# Stephen Horstmann

> Stephen Horstmann is a fee-only financial advisor at RTD Financial Advisors in Philadelphia, Pennsylvania, who holds the CFP credential. RTD Financial Advisors reports charging a percentage of assets and fixed fees on its Form ADV.

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

## Facts

- **Firm:** RTD Financial Advisors
- **Based in:** Philadelphia, Pennsylvania
- **Fee model (firm's Form ADV):** Percentage of assets; Fixed fees
- **Assets under management (firm):** $2.72B across 3,093 accounts
- **Credentials:** CFP
- **CRD:** 7004090 (https://adviserinfo.sec.gov/individual/summary/7004090)
- **SEC registration:** Investment adviser representative in PA
- **Exams passed:** Series 65 (2020)
- **Firm size:** 39 employees
- **Disclosures:** None reported
- **Website:** http://www.rtdfinancial.com

## Frequently asked questions

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

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

### Where is Stephen Horstmann based?

Stephen Horstmann is based in Philadelphia, Pennsylvania.

### What credentials does Stephen Horstmann hold?

Stephen Horstmann holds the CFP credential.

### Is Stephen Horstmann registered with the SEC?

Yes. Stephen Horstmann is registered as an investment adviser representative in PA (CRD 7004090), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does RTD Financial Advisors manage?

RTD Financial Advisors reports $2.72B across 3,093 accounts in assets under management.

### How do I contact Stephen Horstmann?

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

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/7004090): 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.