# Stephen Andrusko

> Stephen Andrusko is a fee-only financial advisor at Integrated Capital Planning in Bend, Oregon, who holds the CFP credential. Stephen focuses on retirement planning, estate & legacy planning and equity compensation. Integrated Capital Planning reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

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

## Facts

- **Firm:** Integrated Capital Planning
- **Based in:** Bend, Oregon
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $29.9M across 75 accounts
- **Credentials:** CFP
- **Specialties:** Retirement planning, Estate & legacy planning, Equity compensation, Real estate investors
- **Works with:** Founders, Executives, Physicians, Real estate investors
- **CRD:** 7285885 (https://adviserinfo.sec.gov/individual/summary/7285885)
- **SEC registration:** Investment adviser representative in OR
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://www.icapplan.com

## Frequently asked questions

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

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

### How does Stephen charge for financial advice?

Stephen's firm, Integrated Capital Planning, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Stephen Andrusko based?

Stephen Andrusko is based in Bend, Oregon.

### What does Stephen specialize in?

Stephen's specialties include retirement planning, estate & legacy planning, equity compensation and real estate investors. Stephen works with founders, executives, physicians and real estate investors.

### What credentials does Stephen Andrusko hold?

Stephen Andrusko holds the CFP credential.

### Is Stephen Andrusko registered with the SEC?

Yes. Stephen Andrusko is registered as an investment adviser representative in OR (CRD 7285885), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Integrated Capital Planning manage?

Integrated Capital Planning reports $29.9M across 75 accounts in assets under management.

### How do I contact Stephen Andrusko?

Through Stephen's website, www.icapplan.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/7285885): 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://www.icapplan.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.