Stephen Kyle


River Capital Advisors, L.C.

Senior Wealth Manager

Stephen Kyle


River Capital Advisors, L.C.

Senior Wealth Manager

My passion as your personal CFO is to use an objective, transparent financial planning process to help you and your family achieve your goals. - Stephen Kyle, CFP®

(904) 398-2075

Fee-Only financial planner located in Jacksonville, FL, serving clients locally and across the country

Stephen Kyle is a Jacksonville, FL fee-only financial planner. River Capital Advisors, L.C. provides comprehensive investment planning, cash flow planning and retirement planning to help clients organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Stephen Kyle is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

Do you know if your current investment strategy is effective to meet your needs and goals? Are you on track to retire? Who will inherit your assets when you pass away? As your personal CFO, we can provide you full financial planning and wealth management.

Stephen Kyle is a fee-only financial advisor at River Capital Advisors, L.C., located in Jacksonville, FL.

Stephen has worked in the financial services industry since 2010. Stephen is a CERTIFIED FINANCIAL PLANNER™ practitioner (CFP®) and received his Bachelor of Arts degree from Florida State University. Prior to coming to River Capital Advisors (“RCA”), he worked in an insurance agency and gained extensive knowledge in property and casualty, life, and health insurance.  While working at the agency, he would see many clients struggling to pay their bills and failing to plan ahead in various financial areas. This experience left him with a desire to earn his CFP® certification so he could provide advice to clients in all areas of their financial life. He came to RCA in 2015 because he wanted to advise clients without the pressure that comes with selling products. Outside of work Stephen enjoys spending time with his family, listening to music, and reading.

Stephen Kyle is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning.

Since 1998, River Capital Advisors, L.C. has been a financial fiduciary, which means that we are legally bound to act in your best interest. We have no proprietary products and are not affiliated, in any way, with the investment managers or custodians that we may recommend to you.

River Capital Advisors, L.C. was founded in 1998 and is a subsidiary of Smoak, Davis & Nixon, LLP, one of the Southeast’s oldest and most respected CPA firms, since 1924. We are located in Jacksonville, FL. We are registered with the SEC as an independent, registered investment advisory firm. We were born out of a desire to help individuals in all aspects of their financial lives.

Our team of CERTIFIED FINANCIAL PLANNER™ and Certified Public Accountant professionals are dedicated to helping you achieve financial success. As a team we have over 50 years of experience in this industry. What does this mean to you? We know how to assist with complex planning situations and can advise on areas that other firms may not have dealt with previously. Our team of professionals have all passed rigorous exams that are specific to helping you reach your goals. We work as a team so as a client you will work with multiple professionals within the firm and gain from our collective experience. 

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.


  • Comprehensive Financial Planning
  • Retirement Income Planning
  • Investment Management
  • Cash Flow Management
  • Insurance Planning
  • College Education Planning
  • Tax Planning

Ideal Clients

  • Retirees and Near Retirees
  • Growing Families
  • Sudden Money Situations
  • Novice Investors

Working Together

  • In-Office Meetings
  • Virtual Meetings
  • Clearly Defined Fees
  • No Product Sales
  • Complimentary Initial Consultation

Professional Designations & Affiliations

Contact Stephen Kyle

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Office Locations:

  • 5011 Gate Parkway Building 100
    Suite 300
    Jacksonville, FL 32256

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