# Villafranco Wealth Management

> Villafranco Wealth Management is an SEC-registered investment advisory firm in Cresskill, NJ, registered since 2000, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 18, 2026.

- CRD: 110371
- Filed as: VILLAFRANCO WEALTH MANAGEMENT
- Legal name: Southwind Associates of NJ Inc.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Cresskill, NJ
- Filing period: October 2026
- Form ADV filing dated: March 18, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/110371
- AdvisorCensus page: https://advisorcensus.com/firm/villafranco-wealth-management-cresskill-nj-110371

## Quick answers

**How is Villafranco Wealth Management compensated?**
On its Form ADV (Item 5.E, October 2026), Villafranco Wealth Management reports these compensation arrangements: a percentage of assets under its management.

**How much does Villafranco Wealth Management charge?**
Its Form ADV Part 2A brochure dated March 18, 2026 states: Asset-based fee: 0.28% to 1.5% a year (a range, as the brochure states it). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Villafranco Wealth Management located?**
Villafranco Wealth Management's principal office is in Cresskill, NJ, according to its Form ADV.

**Is Villafranco Wealth Management registered with the SEC or a state?**
Villafranco Wealth Management is an SEC-registered investment advisory firm, registered since 2000. Status as filed: Approved. CRD 110371.

**How much does Villafranco Wealth Management manage?**
Villafranco Wealth Management reports $299,124,982 in regulatory assets under management in its Form ADV filing dated March 18, 2026 (33% discretionary).

**How have Villafranco Wealth Management's assets and staff changed since 2021?**
In the Form ADV data for Villafranco Wealth Management: Regulatory assets under management: $273,671,210 in the October 2021 data and $299,124,982 in the October 2026 data, up 9%. Total employees: 5 in October 2021 and 4 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Villafranco Wealth Management serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (46); high net worth individuals (26); pooled investment vehicles (other than investment companies and business development companies) (2).

**Which custodians does Villafranco Wealth Management use?**
Villafranco Wealth Management's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.

**Does Villafranco Wealth Management report any disciplinary disclosures?**
Reports 3 disclosure items on Form ADV Item 11: yes answers to 11.C(2) (SEC or CFTC finding of a violation), 11.C(4) (SEC or CFTC order), and 11.C(5) (SEC or CFTC civil money penalty or cease-and-desist order). Each question covers the firm and its advisory affiliates, and one event can produce several yes answers. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/110371

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management

### Fees and minimums (Form ADV Part 2A brochure dated March 18, 2026)

- Asset-based fee: 0.28% to 1.5% a year (a range, as the brochure states it)

> The annual advisory fee is negotiable and ranges from 0.28% to 1.50% of a client's assets under management, which include any investments in cash management vehicles such as money market funds.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $299,124,982
- Discretionary: $98,771,734
- Non-discretionary: $200,353,248

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 46 | $7,360,790 |
| High net worth individuals | 26 | $124,761,263 |
| Pooled investment vehicles (other than investment companies and business development companies) | 2 | $22,011,752 |
| Charitable organizations | 2 | $144,991,177 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Portfolio management for pooled investment vehicles (other than investment companies)
- Selection of other advisers (including private fund managers)

### Firm details
- Registered since: 2000 (26 years)
- Employees: 4 total, 1 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, CT, FL, NJ, NY, TX
- Disclosures (Item 11): Reports 3 disclosure items on Form ADV Item 11.

### Item 11 questions answered yes
- 11.C(2): Has the SEC or the CFTC ever found that the firm or an advisory affiliate was involved in a violation of SEC or CFTC regulations or statutes?
- 11.C(4): Has the SEC or the CFTC ever entered an order against the firm or an advisory affiliate in connection with investment-related activity?
- 11.C(5): Has the SEC or the CFTC ever imposed a civil money penalty on the firm or an advisory affiliate, or ordered the firm or an advisory affiliate to cease and desist from an activity?

Each question covers the firm and its advisory affiliates: its current employees other than clerical staff, its officers, partners, and directors, and anyone who controls the firm or is controlled by it. One event can produce yes answers to several questions. SEC-registered advisers and exempt reporting advisers may leave out events more than ten years old, and may answer 11.A(2) and 11.B(2) for pending charges only. The detail of each yes answer is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/110371

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $273,671,210 | 5 | April 1, 2021 |
| October 2022 | $285,264,641 | 6 | March 30, 2022 |
| October 2023 | $231,255,246 | 5 | March 31, 2023 |
| October 2024 | $257,038,546 | 5 | March 26, 2024 |
| October 2025 | $283,516,984 | 5 | March 28, 2025 |
| October 2026 | $299,124,982 | 4 | March 18, 2026 |

Regulatory assets under management: $273,671,210 in the October 2021 data and $299,124,982 in the October 2026 data, up 9%.
Total employees: 5 in October 2021 and 4 in October 2026.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Villafranco Wealth Management (CRD 110371): Form ADV filing data as of October 2026.