Fee-only adviser · Houston, TX
Next Step Financial Transitions
Next Step Financial Transitions is a fee-only investment adviser registered with the securities regulator of Texas, with a mailing address in Houston, Texas (its office is a private residence, so the street address is not published). On its latest Form ADV, filed January 22, 2026, it reports $10M in regulatory assets under management, 57 individual clients and 2 employees who give investment advice. It reports no commission compensation, is not registered as a broker-dealer and does not act as an insurance agent.
Key facts from Form ADV
| Registration | State-registered: Texas |
|---|---|
| Firm CRD number | 311472 |
| Office | Houston, TX (mailing address; office not published) |
| Phone | (832) 856-2825 |
| Website | nsfinancialtransitions.com |
| Regulatory assets under management | $10M |
| Individual clients | 50 non-high-net-worth, 7 high-net-worth |
| Financial planning clients | 51-100 |
| How it charges | Percentage of assets, Fixed fee |
| Services | Financial planning, Portfolio management |
| Employees | 2 |
| Disciplinary disclosures | None reported |
| Latest Form ADV filing | January 22, 2026 |
Source: the firm’s Form ADV Part 1A as published by the SEC’s Investment Adviser Public Disclosure database, data as of November 6, 2026. Figures are self-reported by the firm.
What this means for you
- It offers hourly or fixed-fee arrangements, so you may be able to pay for a plan without handing over your investments.
- It also charges a percentage of assets managed for ongoing investment management.
- Most of its individual clients are not high-net-worth, so it is likely to work with people who are still building assets.
- It provides financial planning services, not only portfolio management.
- It reports no disciplinary history on Form ADV.
Before you hire any adviser
Read the firm’s Form ADV Part 2 brochure on its SEC record: it sets out fees, minimums, conflicts of interest and who will manage your money. Ask whether the firm acts as a fiduciary for all of your accounts, how it is paid in total, and who holds your assets. Our guide to choosing a financial adviser lists the questions to ask.
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- Stafford 1 firm
- Richmond 1 firm
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