# Ryan Stephen

> Ryan Stephen is a fee-only financial advisor at RBS Wealth Management in Alto, Michigan. Ryan focuses on retirement planning, family wealth transfer and founders (pre-exit). RBS Wealth Management reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

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

## Facts

- **Firm:** RBS Wealth Management
- **Based in:** Alto, Michigan
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $322.3M across 1,315 accounts
- **Specialties:** Retirement planning, Family wealth transfer, Founders (pre-exit)
- **Works with:** Multi-generational families, Founders, Executives
- **CRD:** 5658456 (https://adviserinfo.sec.gov/individual/summary/5658456)
- **SEC registration:** Investment adviser representative in MI
- **Exams passed:** Series 66 (2009)
- **Firm size:** 6 employees
- **Disclosures:** None reported
- **Website:** https://rbswealthmgt.com

## Frequently asked questions

### Is Ryan Stephen a fee-only financial advisor?

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

### How does Ryan charge for financial advice?

Ryan's firm, RBS Wealth Management, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Ryan Stephen based?

Ryan Stephen is based in Alto, Michigan.

### What does Ryan specialize in?

Ryan's specialties include retirement planning, family wealth transfer and founders (pre-exit). Ryan works with multi-generational families, founders and executives.

### Is Ryan Stephen registered with the SEC?

Yes. Ryan Stephen is registered as an investment adviser representative in MI (CRD 5658456), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does RBS Wealth Management manage?

RBS Wealth Management reports $322.3M across 1,315 accounts in assets under management.

### How do I contact Ryan Stephen?

Through Ryan's website, rbswealthmgt.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/5658456): 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://rbswm.com/): 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.