# Ydream Financial Services, Inc.

> Ydream Financial Services, Inc. is an SEC-registered investment advisory firm, registered since 2025, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 31, 2026.

- CRD: 128995
- Filed as: YDREAM FINANCIAL SERVICES, INC.
- Legal name: Ydfs, Inc.
- Also doing business as: Y.D. FINANCIAL SERVICES
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Filing period: October 2026
- Form ADV filing dated: March 31, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/128995
- AdvisorCensus page: https://advisorcensus.com/firm/ydream-financial-services-inc-128995

## Quick answers

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

**How much does Ydream Financial Services, Inc. charge?**
Its Form ADV Part 2A brochure dated March 31, 2026 states: Hourly rate: $275 to $475 an hour (Personal Financial Planning Advisory Services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Is Ydream Financial Services, Inc. registered with the SEC or a state?**
Ydream Financial Services, Inc. is an SEC-registered investment advisory firm, registered since 2025. Status as filed: Approved. CRD 128995.

**How much does Ydream Financial Services, Inc. manage?**
Ydream Financial Services, Inc. reports $128,096,359 in regulatory assets under management in its Form ADV filing dated March 31, 2026 (100% discretionary).

**What types of clients does Ydream Financial Services, Inc. serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (79); high net worth individuals (46).

**Which custodians does Ydream Financial Services, Inc. use?**
Ydream Financial Services, Inc.'s most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Fidelity Brokerage Services LLC as a custodian holding 10% or more of its separately managed account assets.

**Does Ydream Financial Services, Inc. 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/128995

**What changed in Ydream Financial Services, Inc.'s recent Form ADV filings?**
In the April 2026 filing data: Registered or notice-filed in FL.

## From the Form ADV filing

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

### Fees and minimums (Form ADV Part 2A brochure dated March 31, 2026)

- Hourly rate: $275 to $475 an hour (Personal Financial Planning Advisory Services)

> Fees for Personal Financial Planning Advisory Services are charged at an agreed upon hourly, quarterly or flat rate... Hourly rates range from $275 to $475 depending upon the complexity of the work

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

### Custodians (Schedule D, Section 5.K(3))
- Fidelity Brokerage Services LLC

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: $128,096,359
- Discretionary: $128,096,359
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 79 | $105,725,794 |
| High net worth individuals | 46 | $22,370,565 |
| Banking or thrift institutions | Fewer than 5 | Not reported |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | Fewer than 5 | Not reported |
| Charitable organizations | Fewer than 5 | Not reported |
| State or municipal government entities (including government pension plans) | Fewer than 5 | Not reported |
| Other investment advisers | Fewer than 5 | Not reported |
| Insurance companies | Fewer than 5 | Not reported |
| Sovereign wealth funds and foreign official institutions | Fewer than 5 | Not reported |
| Corporations or other businesses not listed above | Fewer than 5 | Not reported |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses

### Firm details
- Registered since: 2025 (1 year)
- Employees: 1 total, 1 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: FL, MI, TN, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- themoneygeek.com
- themoneygeek.substack.com
- ydfs.com
- Facebook @YDREAMFS
- LinkedIn @THEMONEYGEEK
- X @THEMONEYGEEK

## Changes in the filing (last 12 months)

### April 2026
- Registered or notice-filed in FL.

### December 2025
- Newly registered with the SEC.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Ydream Financial Services, Inc. (CRD 128995): Form ADV filing data as of October 2026.