# Williams Financial, LLC

> Williams Financial, LLC is an SEC-registered investment advisory firm in North Bennington, VT, registered since 2020, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 26, 2026.

- CRD: 137038
- Filed as: WILLIAMS FINANCIAL, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: North Bennington, VT
- Filing period: October 2026
- Form ADV filing dated: March 26, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/137038
- AdvisorCensus page: https://advisorcensus.com/firm/williams-financial-llc-north-bennington-vt-137038

## Quick answers

**How is Williams Financial, LLC compensated?**
On its Form ADV (Item 5.E, October 2026), Williams Financial, LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**Where is Williams Financial, LLC located?**
Williams Financial, LLC's principal office is in North Bennington, VT, according to its Form ADV; the April 2026 filing also lists 2 other offices (Schedule D, Section 1.F).

**Is Williams Financial, LLC registered with the SEC or a state?**
Williams Financial, LLC is an SEC-registered investment advisory firm, registered since 2020. Status as filed: Approved. CRD 137038.

**How much does Williams Financial, LLC manage?**
Williams Financial, LLC reports $209,922,715 in regulatory assets under management in its Form ADV filing dated March 26, 2026 (96% discretionary).

**How have Williams Financial, LLC's assets and staff changed since 2021?**
In the Form ADV data for Williams Financial, LLC: Regulatory assets under management: $130,854,881 in the October 2021 data and $209,922,715 in the October 2026 data, up 60%. Total employees: 6 in October 2021 and 7 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Williams Financial, LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (198); high net worth individuals (63); pension and profit sharing plans (but not the plan participants or government pension plans) (3).

**Which custodians does Williams Financial, LLC use?**
Williams Financial, LLC'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 Williams Financial, LLC report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/137038

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### 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: $209,922,715
- Discretionary: $201,113,871
- Non-discretionary: $8,808,844

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 198 | $82,338,928 |
| High net worth individuals | 63 | $121,722,797 |
| Banking or thrift institutions | 0 | $0 |
| Investment companies | 0 | $0 |
| Business development companies | 0 | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 3 | $4,614,959 |
| Charitable organizations | 3 | $1,246,031 |
| State or municipal government entities (including government pension plans) | 0 | $0 |
| Other investment advisers | 0 | $0 |
| Insurance companies | 0 | $0 |
| Sovereign wealth funds and foreign official institutions | 0 | $0 |
| Corporations or other businesses not listed above | 0 | Not reported |
| Other | 0 | $0 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Portfolio management for businesses (other than small businesses) or institutional clients
- Pension consulting services

### Firm details
- Registered since: 2020 (6 years)
- Employees: 7 total, 4 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: FL, MA, NH, NY, TX, VT
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the April 2026 filing
- Leominster, MA
- Saratoga Springs, NY

### Websites listed on Form ADV (Item 1.I)
- williamsfinancial.net
- Facebook @WILLIAMSFINANCIALMANAGEMENT
- LinkedIn @williams-financial-llc

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $130,854,881 | 6 | May 3, 2021 |
| October 2022 | $154,313,952 | 5 | April 5, 2022 |
| October 2023 | $147,574,395 | 7 | March 3, 2023 |
| October 2024 | $174,473,081 | 7 | September 30, 2024 |
| October 2025 | $191,095,167 | 7 | March 11, 2025 |
| October 2026 | $209,922,715 | 7 | March 26, 2026 |

Regulatory assets under management: $130,854,881 in the October 2021 data and $209,922,715 in the October 2026 data, up 60%.
Total employees: 6 in October 2021 and 7 in October 2026.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Williams Financial, LLC (CRD 137038): Form ADV filing data as of October 2026.