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All the knowledge in the world... Will appear as ignorance... without ACTION.

Our Mission

To create customers for life among clients who value my advice and with whom we have an integral relationship.

Education is key. We sponsor seminars and work with clients to understand the many aspect options used in creating a Financial, Personal Plan.

our Company

Our business was founded with the goal of assisting clients in many aspects of their financial lives. We provide comprehensive and personal services geared to each person’s particular tax and financial situation.


We specialize in providing comprehensive financial services and products that will effectively meet your needs. We work with both individuals and small business clients. We have worked with many people to help them invest using Modern Portfolio Theory which academics have found to create a disciplined and mathematical approach rather than listening to the emotional swings of the market.

Kay Stienessen

CPA Financial Advisor

Matthew Neal

Tax Preparer and Administration


Our Team

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Kay Stienessen

CPA Financial Advisor

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Matthew Neal

Tax Preparer and Administration

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Rachel Merino

Operations Manager

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Kay Stienessen has been in the accounting and tax business, both as a Tax Practitioner and CPA, for over 20 years. In that time, she became more interested in the Financial Business. Many times, she saw many financial issues and errors come across her desk. Her goal is to help people with their financial decisions before it becomes a tax issue – so they can plan effectively.

She has been licensed in Securities since 2000, holding Series 7, Series 63, and Series 65. This allows her to work with clients in an advisory position with fiduciary responsibly to create a plan to reach your goals.

Matthew J Neal is a Tax Preparer and Planning Assistant. He has been with the company since January 2016.

He started his career in the United State Marine Corps. He worked in the Administrative Department making travel arrangements, managing the office, planning events associated with the travel and logistical arrangements, managing the office, planning events associated with travel and logistical arrangements, coordinating schedules, and arranging meetings. He was also deployed to Afghanistan during his time with the Marines.

On his return, he worked in management and was employed as Planning Assistant with Ameriprise Financial before joining us. He continues to push himself forward and is working towards his Life Insurance License and Investment Advisory License.

Matt loves music and dancing, podcasts, and writing. He is currently working on his second book!

Form ADV Part 3 – Client Relationship Summary

Date: 03/29/2024

Item 1: Introduction

MOTIV8 INVESTMENTS LLC is an investment adviser registered with the Securities and Exchange Commission offering advisory accounts and services. Brokerage and investment advisory services and fees differ, and it is important that you understand the differences. This document gives you a summary of the types of services and fees we offer. Please visit www.investor.gov/CRS for free, simple tools to research firms and financial professionals, as well as educational materials about broker-dealers, investment advisers, and investing.

Item 2: Relationships and Services

Questions to ask us: Given my financial situation, should I choose an investment advisory service? Why or why not? How will you choose investments to recommend to me? What is your relevant experience, including your licenses, education and other qualifications? What do these qualifications mean?

What investment services and advice can you provide me? Our firm primarily offers the following investment advisory services to retail clients: portfolio management (we review your portfolio, investment strategy, and investments); financial planning (we assess your financial situation and provide advice to meet your goals); solicitor/selection of other advisers (we select a third party adviser for you to use). As part of our standard services, we typically monitor client accounts on a monthly basis. Our firm has discretionary management without any material limitations. We do not limit the types of investments that we recommend. Our minimum account size is $50,000. Please also see our Form ADV Part 2A (“Brochure”), specifically Items 4 & 7.

Item 3: Fees, Costs, Conflicts, and Standard of Conduct

Questions to ask us: Help me understand how these fees and costs might affect my investments. If I give you $10,000 to invest, how much will go to fees and costs, and how much will be invested for me? How might your conflicts of interest affect me, and how will you address them?

What fees will I pay? Our fees vary depending on the services you receive. Additionally, the amount of assets in your account affects our advisory fee; the more assets you have in your advisory account, the more you will pay us and thus we have an incentive to increase those assets in order to increase our fee. For hourly fee arrangements, each additional hour (or portion therefore) we spend working for you would increase the advisory fee. Our fixed fee arrangements are based on the amount of work we expect to perform for you, so material changes in that amount of work will affect the advisory fee we quote you. All fees are paid monthly in advance. Additionally, we have the following compensation structure: Other: THIRD PARTY ADVISER FEES You pay our fees even if you do not have any transactions and the advisory fee paid to us generally does not vary based on the type of investments selected. Please also see Items 4, 5, 6, 7 & 8 of our Brochure.

Some investments (e.g., mutual funds, variable annuities, etc.) impose additional fees (e.g., transactional fees and product-level fees) that reduce the value of your investment over time. The same goes for any additional fees you pay to a custodian. Additionally, you will pay transaction fees, if applicable, when we buy or sell an investment for your account. You will pay fees and costs

whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying. Please also see our
Brochure for additional details.
What are your legal obligations to me when acting as my investment adviser? How else does your firm make money and what conflicts of interest do you have?: When we act as your investment adviser, we have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests. You should understand and ask us about these conflicts because they can affect the investment advice we provide you. Here are some examples to help you understand what this means (see heading immediately below).

How do your financial professionals make money? Primarily, we and our financial professionals receive cash compensation from the advisory services we provide to you because of the advisory fees we receive from you. This compensation may vary based on different factors, such as those listed above in this Item. Our financial professionals also have the ability to receive commissions from clients and therefore have an incentive to recommend products that provide them or us additional compensation over those that do not. Please also see Item 10 of our Brochure for additional details.

Item 4: Disciplinary History

Questions to ask us: As a financial professional, do you have any disciplinary history? For what type of conduct?

Do you or your financial professionals have legal or disciplinary history? No. Visit https://www.investor.gov/ for a free, simple search tool to research us and our financial professionals.

Item 5: Additional Information

Questions to ask us: Who is my primary contact person? Is he or she a representative of an investment adviser or a broker-dealer? Who can I talk to if I have concerns about how this person is treating me?

For additional information on our advisory services, see our Brochure available at https://adviserinfo.sec.gov/firm/summary/285560 and any individual brochure supplement your representative provides. If you have any questions, need additional information, or want another copy of this Client Relationship Summary, then please contact us at 772-807-4628.