# Robert Cardenas

> Robert Cardenas is a fee-only financial advisor at LifeSteps Financial in Claremont, California. Robert focuses on tax planning, estate & legacy planning and small business owners. LifeSteps Financial reports charging a percentage of assets and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/robert-cardenas/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** LifeSteps Financial
- **Based in:** Claremont, California
- **Fee model (firm's Form ADV):** Percentage of assets; Fixed fees
- **Assets under management (firm):** $442.7M across 1,191 accounts
- **Specialties:** Tax planning, Estate & legacy planning, Small business owners, Real estate investors, Family wealth transfer
- **Works with:** Real estate investors, Multi-generational families
- **CRD:** 8017932 (https://adviserinfo.sec.gov/individual/summary/8017932)
- **SEC registration:** Investment adviser representative in CA
- **Exams passed:** Series 65 (2026)
- **Firm size:** 9 employees
- **Disclosures:** None reported
- **Website:** http://www.lifestepsfinancial.com

## Frequently asked questions

### Is Robert Cardenas a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Robert holds no broker registration, and LifeSteps Financial reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Robert charge for financial advice?

Robert's firm, LifeSteps Financial, reports charging a percentage of assets and fixed fees on its SEC Form ADV.

### Where is Robert Cardenas based?

Robert Cardenas is based in Claremont, California.

### What does Robert specialize in?

Robert's specialties include tax planning, estate & legacy planning, small business owners, real estate investors and family wealth transfer. Robert works with real estate investors and multi-generational families.

### Is Robert Cardenas registered with the SEC?

Yes. Robert Cardenas is registered as an investment adviser representative in CA (CRD 8017932), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does LifeSteps Financial manage?

LifeSteps Financial reports $442.7M across 1,191 accounts in assets under management.

### How do I contact Robert Cardenas?

Through Robert's website, www.lifestepsfinancial.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/8017932): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://lifesteps.io/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.