Acadia Financial Services, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Acadia Financial Services is a small, independent advisory firm serving individuals, families, and high-net-worth clients with financial planning and investment management. Its offerings span tiered ongoing planning, project-based planning, and wealth-management services, with virtual meetings, a client portal and vault, and planning areas that include cash flow, debt and student loan strategies, retirement planning and qualified-plan (TSP) advice.
The firm describes a primarily passive, Modern Portfolio Theory–based approach while also employing fundamental, technical, cyclical and charting analysis as appropriate, and it offers discretionary portfolio implementation through a third‑party sub‑advisor (XY Investment Solutions) with custody at Charles Schwab. Clients receive periodic account reviews and reporting, and the firm may direct the sub‑advisor to perform rebalancing and tax‑loss harvesting on a recurring basis.
Compared with many peers, Acadia publishes a brief educational newsletter, Lagniappe, and operates on a subscription/fixed‑fee, tiered billing model billed via AdvicePay rather than relying solely on a percentage‑of‑assets advisory fee; when the firm uses the XYIS sub‑advisor, XYIS’s AUM‑based fees are billed separately. The firm’s small scale (solo advisor with roughly 20 clients and about $6.46 million in discretionary AUM) combined with tax and planning credentials and explicit services for TSP and GI Bill planning make its mix of virtual, planning‑centric service and outsourced portfolio execution noteworthy.
Client services
Expertise
Fee options
Tier I - Advising: Upfront engagement fee $300; Tier I annual fee ranges from $600 to $900 maximum; Tier II - Planning: Annual fees from $4,800 to $6,600; Tier III - Wealth Management: Annual fees from $7,200 to $12,000; Project-Based Financial Planning requires half of estimated fee or $500 upfront
$0 - $5,000,000: 0.35% $5,000,001 - $25,000,000: 0.30% $25,000,001+: 0.25%
Project-Based Financial Planning at $400 per hour (negotiable)
Financial Planning service paid as fixed monthly fee (details in brochure); Tier I, II, III fees are paid monthly in advance
Minimum fee: Tier I - Advising: $600 annually minimum; Tier II - Planning: $4,800 annually minimum; Tier III - Wealth Management: $7,200 annually minimum Fee-only: Project-Based Financial Planning at $400 per hour (negotiable)
Main office
Fairfax Station VA, United States
Most active in
Maryland · Virginia
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
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