Adirondack Financial Services Corp
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$353,885,967
Clients
596
Advisors
3
of 16 employees
About
Adirondack Financial Services provides portfolio management, financial planning, pension consulting, 401(k) investment advice and trust management to individuals, businesses, non‑profits and institutional clients, offering both discretionary and non‑discretionary accounts. The firm manages roughly $462 million in client assets and serves several hundred client accounts.
Advisory work is guided by a client‑specific investment policy statement that is reviewed at least semiannually and more frequently for client, market or security‑specific triggers. Investment selection uses a documented quantitative and qualitative research process—screening a mutual fund universe of about 27,336 funds across more than 1,600 data points—and emphasizes diversified asset allocation while avoiding frequent trading and illiquid private placements.
The firm’s business model includes activities that are less common among peers: several employees are registered representatives supervised by Hazard & Siegel LLC, and AFS operates a licensed insurance agency that offers fixed life, annuities, long‑term care, health, dental, vision and disability products, with associated persons separately registered as insurance agents. Adirondack Financial Services also leverages custodial relationships with Pershing (and a limited number of Schwab accounts) and a third‑party platform for held‑away defined‑contribution accounts, and completed an ownership change in early 2026.
Client services
Expertise
Occupation focus
Fee options
$0 - $1,000,000: 1% $1,000,001 - $3,000,000: 0.85% $3,000,001+: 0.65%
Fee-only: Fee for service; no commissions earned by Investment Advisor Representatives.
Main office
185 Genesee Street, Suite 210
Utica NY 13501
Advisors at this office
3
Most active in
California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Illinois · Kansas · Maine · Maryland · Massachusetts · Michigan · Mississippi · New Jersey · New Mexico · New York · North Carolina · Ohio · Oregon · Pennsylvania · South Carolina · Tennessee · Texas · Utah · Vermont · Virginia · Wisconsin
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Bank
They're affiliated with a bank that may offer its own financial products and services.
Is not active or affiliated with:
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Advisors at this firm
Frances P
CFP®, Series 63
Utica, NY
Adirondack Financial Services Corp
Frances Parent is a CFP® with 34 years of industry experience, currently with Adirondack Financial Services Corp. She has held roles at Hazard & Siegel Inc. and has longstanding involvement with Greenleaf Contracting, Inc. and the Sagamore Institute. Outside of finance, she owns Blue Line Coffee House in Inlet and Old Forge, NY. Adirondack Financial Services provides investment advisory and portfolio management services to individual and institutional clients, employing a client-specific investment process that integrates quantitative screening with qualitative manager and security review. The firm manages approximately $412 million in assets across nearly 600 clients.
William L
CFA®
Utica, NY
Adirondack Financial Services Corp
William Locke is a CFA® charterholder with Adirondack Financial Services Corp in Utica, NY, where he has worked since 2007. He has three years of industry experience. Adirondack Financial Services provides investment advisory and portfolio management services to individual and institutional clients, including companies, trusts, non-profit entities, and defined benefit plans. The firm employs a client-specific investment process that combines quantitative screening and qualitative review, managing approximately $412 million in assets.
John C
CFA®
Utica, NY
Adirondack Financial Services Corp
John Clark is a CFA® charterholder with three years of industry experience. He has been with Adirondack Financial Services Corp since 2011. Adirondack Financial Services provides investment advisory and portfolio management services to individual and institutional clients, including companies, trusts, non-profit entities, and defined benefit plans. The firm employs a client-specific investment process that combines quantitative screening with qualitative manager and security review, managing approximately $412 million in assets.
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor's Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and referrals are provided by FinanceHQ LLC ("FHQ"), a wholly-owned subsidiary of Warmer and an SEC-registered investment adviser. We may be compensated by participating advisors. You pay no fee to use our matching service, and advisor fees are not increased because of a referral. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to the Warmer Terms of Service and FHQ Advisory Agreement, and acknowledge Warmer's Privacy Policy. Please review FHQ's ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")