Solitude Financial Services, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Solitude Financial Services, Inc. provides fee-only fiduciary investment advisory and financial planning services to individual and high‑net‑worth clients through a “financial life management” approach that combines goal setting, lifetime cash‑flow and net‑worth modeling, and ongoing discretionary portfolio management. The firm also manages retirement plan accounts (including aeronautics-related PRAP accounts) and will assist with referrals to specialist advisers when needed.
The firm generally follows a long‑term, buy‑and‑hold framework using model portfolios informed by fundamental and technical analysis and Modern Portfolio Theory, with regular rebalancing and discretionary authority to implement changes. In addition to ETFs, mutual funds, individual stocks and bonds, Solitude explicitly uses simple options strategies—covered calls and puts—to manage portfolio risk.
Operationally the brochure highlights a few practices that are less common among similar team firms: Solitude discloses the use of third‑party solicitation arrangements for client referrals and requires a custodial relationship with Charles Schwab tied to certain PRAP accounts (including annual surprise examinations for PRAP custody). It also documents practical client‑service features such as reimbursing tax‑filing costs when clients use approved accountants; combined with the explicit use of derivatives in separately managed accounts, these operational choices differentiate it from many peers.
Client services
Expertise
Occupation focus
Fee options
$0 - $1,000,000: 1.00% annually $1,000,001 - $2,000,000: 0.80% annually $2,000,001+: 0.70% annually
$250 per hour
Fee-only: Fee-only investment advisory services based on percentage of AUM.
Main office
236 East High Street
Charlottesville VA 22902
Advisors at this office
6
Most active in
Colorado · Florida · Maryland · North Carolina · Pennsylvania · Texas · Virginia · Washington
Also doing business as
Gene Michael Kowalski · Kowalski Consulting · Solitude Financial Services · Solitude Financial Services, Inc.
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.
Quick links
Advisors at this firm
Michael W
CFP®, Series 63
Charlottesville, VA
Solitude Financial Services, Inc.
Michael Whitney is a CFP® professional with four years of industry experience, currently serving at Solitude Financial Services, Inc. He previously worked at Albany Financial Group and LPL Financial, LLC. Solitude Financial Services provides fee-only, fiduciary investment advice and discretionary portfolio management to individual and high-net-worth clients using a financial life management framework. The firm emphasizes long-term, buy-and-hold investment strategies with model portfolios primarily composed of ETFs, mutual funds, stocks, and bonds, and employs options strategies to manage portfolio risk.
Jacob F
CFP®, Series 66
Charlottesville, VA
Solitude Financial Services, Inc.
Jacob Fleming is a financial advisor with Solitude Financial Services, Inc. in Charlottesville, VA, holding a Series 66 designation and nine years of industry experience. His prior roles include positions at Private Advisor Group, LPL Financial, TD Ameritrade, Scottrade, and VALIC Financial Advisors. Outside of his advisory work, he operates a notary service as a sole proprietor. Solitude Financial Services provides fee-only, fiduciary investment advice and discretionary portfolio management to individual and high-net-worth clients using a financial life management approach. The firm emphasizes long-term, buy-and-hold investment strategies with model portfolios primarily composed of ETFs, mutual funds, stocks, and bonds, and also incorporates simple options strategies to manage portfolio risk.
Ty B
CFP®, CFA®, Series 66
Charlottesville, VA
Solitude Financial Services, Inc.
Ty Bilderback is a CFP®, CFA®, and holds a Series 66 license with 26 years of industry experience. He has worked at Merrill for 24 years before joining Solitude Financial Services, Inc., where he has been since 2024 as part of a team of six advisors based in Charlottesville, VA. Solitude Financial Services, Inc. provides fee-only fiduciary investment advisory and financial planning services to individual and high-net-worth clients through a financial life management approach that integrates goal setting, cash-flow and net-worth modeling, and discretionary portfolio management. The firm employs a long-term, buy-and-hold strategy using model portfolios and incorporates options strategies to manage portfolio risk.
Ashley V
CFP®, CFA®, Series 66
Charlottesville, VA
Solitude Financial Services, Inc.
Ashley Vice is a CFP®, CFA®, and holds a Series 66 license with 15 years of industry experience. She has worked at Solitude Financial Services, Inc. since 2021 and previously held roles at SIMA Wealth Partners, SIMA Retirement Solutions, Mercer Global Advisors, Gfs Private Wealth, and Merrill. Solitude Financial Services, Inc. is a fee-only fiduciary firm serving individual and high-net-worth clients with a comprehensive “financial life management” approach that includes goal setting, lifetime cash-flow and net-worth modeling, and discretionary portfolio management. The firm employs a long-term, buy-and-hold investment strategy using model portfolios, fundamental and technical analysis, and incorporates options strategies to manage risk.
Andrew S
CFP®, Series 66
Charlottesville, VA
Solitude Financial Services, Inc.
Andrew St.Jean is a CFP® with nine years of industry experience currently serving as a financial advisor at Solitude Financial Services, Inc. Prior to joining Solitude, he worked at Ameriprise Financial and Barrett-Johnson & Associates for six years. Solitude Financial Services, Inc. provides fee-only fiduciary investment advisory and financial planning services to individual and high-net-worth clients, utilizing a “financial life management” approach that includes goal setting, lifetime cash-flow and net-worth modeling, and discretionary portfolio management. The firm follows a long-term, buy-and-hold investment framework using model portfolios informed by fundamental and technical analysis and Modern Portfolio Theory, incorporating options strategies to manage risk.
Gene K
Series 65
Charlottesville, VA
Solitude Financial Services, Inc.
Gene Kowalski is a financial advisor at Solitude Financial Services, Inc. with 17 years of industry experience. He holds the Series 65 credential and has been with Solitude since 2014. In addition to his advisory role, Gene is a 787 First Officer pilot for United Airlines, a position he has held since 1996. Solitude Financial Services, Inc. provides fee-only fiduciary investment advisory and financial planning services to individuals and high-net-worth clients. The firm employs a long-term, buy-and-hold investment approach using model portfolios that incorporate fundamental and technical analysis, Modern Portfolio Theory, and options strategies to manage portfolio risk.
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