# Todd Koyama

> Todd Koyama is a fee-only financial advisor at Stewardship Concepts Financial Services in Spokane, Washington, who holds the CFP credential. Stewardship Concepts Financial Services reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

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

## Facts

- **Firm:** Stewardship Concepts Financial Services
- **Based in:** Spokane, Washington
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $174.6M across 892 accounts
- **Credentials:** CFP
- **CRD:** 3240300 (https://adviserinfo.sec.gov/individual/summary/3240300)
- **SEC registration:** Investment adviser representative in WA
- **Exams passed:** Series 66 (2012)
- **Firm size:** 4 employees
- **Disclosures:** None reported
- **Website:** https://scfinancials.com/

## Frequently asked questions

### Is Todd Koyama a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Todd holds no broker registration, and Stewardship Concepts Financial Services reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Todd charge for financial advice?

Todd's firm, Stewardship Concepts Financial Services, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Todd Koyama based?

Todd Koyama is based in Spokane, Washington.

### What credentials does Todd Koyama hold?

Todd Koyama holds the CFP credential.

### Is Todd Koyama registered with the SEC?

Yes. Todd Koyama is registered as an investment adviser representative in WA (CRD 3240300), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Stewardship Concepts Financial Services manage?

Stewardship Concepts Financial Services reports $174.6M across 892 accounts in assets under management.

### How do I contact Todd Koyama?

Through Todd's website, scfinancials.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/3240300): 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.