# Stephen Cutting-Miller

> Stephen Cutting-Miller is a fee-only financial advisor at Shade Tree Advisors in Saratoga Springs, New York. Shade Tree Advisors reports charging a percentage of assets, fixed fees and performance-based fees on its Form ADV.

Page: https://find.wellspent.co/advisors/stephen-cutting-miller/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Shade Tree Advisors
- **Based in:** Saratoga Springs, New York
- **Fee model (firm's Form ADV):** Percentage of assets; Fixed fees; Performance-based fees
- **Assets under management (firm):** $1.45B across 152 accounts
- **CRD:** 3259043 (https://adviserinfo.sec.gov/individual/summary/3259043)
- **SEC registration:** Investment adviser representative in NY
- **Exams passed:** Series 63 (2000), Series 65 (2015), Series 66 (2015)
- **Firm size:** 66 employees
- **Disclosures:** None reported
- **Website:** http://www.shadetreeadvisors.com

## Frequently asked questions

### Is Stephen Cutting-Miller a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Stephen holds no broker registration, and Shade Tree Advisors 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, Shade Tree Advisors, reports charging a percentage of assets, fixed fees and performance-based fees on its SEC Form ADV.

### Where is Stephen Cutting-Miller based?

Stephen Cutting-Miller is based in Saratoga Springs, New York.

### Is Stephen Cutting-Miller registered with the SEC?

Yes. Stephen Cutting-Miller is registered as an investment adviser representative in NY (CRD 3259043), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Shade Tree Advisors manage?

Shade Tree Advisors reports $1.45B across 152 accounts in assets under management.

### How do I contact Stephen Cutting-Miller?

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

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/3259043): 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

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