daily backup 2026-09-19

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+---
+Date: 2026-09-19
+Author: Hermes
+Tags: #finances #financial-advisor #taxes #research #gary-steer
+Status: Research captured; independent review signal limited
+---
+
+# Gary Steer / OxenFree Financial — Public Research
+
+## Contact-card details
+
+- **Name:** Gary Steer
+- **Title on card:** Financial Advisor & CFP
+- **Company:** OxenFree Financial
+- **Direct phone on card:** (321) 441-8367
+- **Email on card:** Gary@OxenFreeFinancial.com
+- **Office:** 1900 S Harbor City Blvd, Suite 111, Melbourne, FL 32901
+- **Services listed:** Investments, Retirement, Estate Planning, Insurance
+- **Website:** https://oxenfreefinancial.com/
+
+## Findings
+
+- OxenFree Financial's own website identifies Gary as a Certified Financial Planner® and Enrolled Agent, and describes services including financial planning, investment management, tax-aware planning, and estate-planning facilitation.[1]
+- A matching SEC Investment Adviser Public Disclosure record exists for Gary Lee Steer, CRD #2562255, associated with OxenFree Financial.[2][4]
+- FINRA has a matching BrokerCheck record. The public summary indicates prior broker registration and directs users to the SEC/IAPD record for investment-adviser information.[3][5]
+- A third-party tax directory lists Gary Steer, EA as an IRS-registered tax preparer associated with Steer, Mercer & Company. That listing uses a Satellite Beach address and different phone number, so it should be treated as historical or requiring confirmation rather than current contact information.[6]
+- Third-party advisor profiles describe approximately 20–24 years in the financial industry, but those figures are directory claims and may not be current.[8][9]
+
+## Ratings and public comments
+
+- Public profile/listing pages were found on Yelp, Warmer, U.S. News, Indyfin, and similar advisor directories.[7][8][9]
+- The research pass did **not** find a clearly verifiable star rating or a substantial body of independent client comments that should be relied on as a recommendation.
+- No conclusion about service quality, complaints, or disciplinary history is made here beyond the existence of the official SEC/FINRA records. Verify current records directly before engagement.
+
+## Verification notes / next steps
+
+- The card and Gary's direct website contact use (321) 441-8367. Public company listings also show an office number, (321) 722-7882; confirm which number is current.[1]
+- Before using him for tax or investment work, request his current Form CRS, fee schedule, exact scope of tax preparation/representation, and confirmation of current Enrolled Agent status.
+
+## Sources
+
+[1] https://oxenfreefinancial.com
+[2] https://adviserinfo.sec.gov/individual/summary/2562255
+[3] https://brokercheck.finra.org/Individual/Summary/2562255
+[4] https://reports.adviserinfo.sec.gov/reports/individual/individual_2562255.pdf
+[5] https://files.brokercheck.finra.org/individual/individual_2562255.pdf
+[6] https://taxrpo.com/preparer/gary-steer-satellite-beach-fl
+[7] https://www.yelp.com/biz/oxenfree-financial-melbourne
+[8] https://www.getwarmer.com/advisors/gary-steer
+[9] https://money.usnews.com/financial-advisors/firm/oxenfree-financial-327105
@@ -44,6 +44,7 @@ Overview of the Reyna family financial structure, property management, and inves
 - **Join URL**: https://meetings.ringcentral.com/join
 - **Meeting ID**: 321722788
 - **Invitees**: gillespie.alicia@gmail.com, aeroreyna@gmail.com
+- **Gary Steer / OxenFree Financial research**: [[gary_steer_oxenfree_financial_research_2026-09-19]]

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