Stephanie K. Schultz

SENSIBLE MONEY

SCOTTSDALE, AZ 85251

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CRD#: 7492255

Professional summary

Stephanie Kay Schultz, who also goes by Stephanie Kay Napoleone, is a registered financial advisor currently at SENSIBLE MONEY, LLC located in Scottsdale, Arizona.

Stephanie is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2022. Stephanie has worked at 3 firms and has passed the Series 65, Series 63, Series 6TO and SIE exams.

At a Glance

Always Fiduciary

Aliases

Stephanie Kay Napoleone

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

The advisor shows no other business activity.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Stephanie Kay Schultz's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

None

Experience

Current

June 12, 2026 - Present

SENSIBLE MONEY, LLC

Office #1: 4200 N Marshall Way Suite 2, Scottsdale, AZ 85251

RIA

CRD#: 158641

SCOTTSDALE, AZ

Past

April 3, 2023 - May 11, 2026

LPL FINANCIAL LLC

RIA

CRD#: 6413

SCOTTSDALE, AZ

Past

April 3, 2023 - May 11, 2026

LPL FINANCIAL LLC

CRD#: 6413

SCOTTSDALE, AZ

Past

March 16, 2023 - May 3, 2023

PLANMEMBER SECURITIES CORPORATION

RIA

CRD#: 11869

Scottsdale, AZ

Past

March 28, 2022 - May 3, 2023

PLANMEMBER SECURITIES CORPORATION

CRD#: 11869

Scottsdale, AZ

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

SENSIBLE MONEY, LLC

CRD#: 158641 / SEC#: 801-110039

RIA

Registered Investment Advisory firm - (3/22/2017 Approved)

Arizona

Registered Investment Advisory firm - (4/4/2017 Terminated)

Louisiana

Registered Investment Advisory firm - (4/18/2017 Terminated)

Massachusetts

Registered Investment Advisory firm - (4/4/2017 Terminated)

Texas

Registered Investment Advisory firm - (4/4/2017 Terminated)

Why is a state registration marked "Terminated"? When a firm registers with the SEC (usually after managing $100M+ AUM), it often withdraws separate state firm registrations unless required by that state. The firm can still serve clients there through its individually registered Investment Advisor Representatives (IARs).

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

Highlighted states indicate IAR registrations

IAR

Arizona
(6/12/2026)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.

Exams

State Security Law Exam

IAR

Series 65

Date: 3/15/2023

Uniform Investment Adviser Law Examination

State Security Law Exam

Series 63

Date: 4/18/2022

Uniform Securities Agent State Law Examination

General Industry/Product Exam

Series 6TO

Date: 3/28/2022

Investment Company Products/Variable Contracts Representative Examination

General Industry/Product Exam

SIE

Date: 2/28/2022

Securities Industry Essentials Examination

Current Firm

SENSIBLE MONEY, LLC

CRD#: 158641 / SEC#: 801-110039

RIA

Registered Investment Advisory firm - (3/22/2017 Approved)

Arizona

Registered Investment Advisory firm - (4/4/2017 Terminated)

Louisiana

Registered Investment Advisory firm - (4/18/2017 Terminated)

Massachusetts

Registered Investment Advisory firm - (4/4/2017 Terminated)

Texas

Registered Investment Advisory firm - (4/4/2017 Terminated)

PREMIUM

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Contact information

Main Address

4200 N Marshall Way Suite 2, Scottsdale, AZ 85251

Mailing Address

Phone number

(480) 719-7290

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (18 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

SM FORM ADV PART 2A - 2024-6-11 (3/28/2025)

Regulatory assets under management

Total Number of Accounts	1,329
AUM (Assets Under Management)	$ 603,666,166

Accountant surprise examination report

Filing Date	Form ADV-E Cover	Form ADV-E Report
12/21/2023	Cover Page	Report

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

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Advisor Monitoring

Firm Stability Insights

Stephanie K. Schultz

Professional summary

At a Glance

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Stephanie Kay Schultz's CRS (Customer Relationship Summary).

Certified licenses

Experience

LPL FINANCIAL LLC

LPL FINANCIAL LLC

PLANMEMBER SECURITIES CORPORATION

PLANMEMBER SECURITIES CORPORATION

Primary Firm SEC Registration

SENSIBLE MONEY, LLC

State Registrations and Notice Filings

Exams

Series 65

Date: 3/15/2023

Series 63

Date: 4/18/2022

Series 6TO

Date: 3/28/2022

SIE

Date: 2/28/2022

Current Firm

SENSIBLE MONEY, LLC

Contact information

SEC notice filing (18 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Accountant surprise examination report

Red Flags

Company Information

SENSIBLE MONEY, LLC

TRUST BUT VERIFY

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