# Stephen Kriha

> Stephen Kriha is a fee-only financial advisor at Tenere Financial in Sammamish, Washington. Stephen charges a percentage of assets (0.25%–1% a year of assets managed) and focuses on tax planning, estate & legacy planning and retirement planning.

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

## Facts

- **Firm:** Tenere Financial
- **Based in:** Sammamish, Washington
- **Fee model:** Percentage of assets
- **Fees (firm's website):** 0.25%–1% a year of assets managed
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $81.7M across 195 accounts
- **Specialties:** Tax planning, Estate & legacy planning, Retirement planning
- **CRD:** 4541816 (https://adviserinfo.sec.gov/individual/summary/4541816)
- **SEC registration:** Investment adviser representative in TX, WA
- **Exams passed:** Series 63 (2002), Series 65 (2005)
- **Firm size:** 2 employees
- **Disclosures:** None reported
- **Website:** https://www.tenerefinancial.com

## Frequently asked questions

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

Yes, according to SEC records as of October 29, 2026: Stephen holds no broker registration, and Tenere Financial 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 charges a percentage of assets.

### How much does Stephen charge?

According to Tenere Financial's website, checked October 30, 2026: 0.25%–1% a year of assets managed.

### Where is Stephen Kriha based?

Stephen Kriha is based in Sammamish, Washington.

### What does Stephen specialize in?

Stephen's specialties include tax planning, estate & legacy planning and retirement planning.

### Is Stephen Kriha registered with the SEC?

Yes. Stephen Kriha is registered as an investment adviser representative in TX and WA (CRD 4541816), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Tenere Financial manage?

Tenere Financial reports $81.7M across 195 accounts in assets under management.

### How do I contact Stephen Kriha?

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

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/4541816): 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://tenerefinancial.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.