Williams 360 Financial Advisory, LLC
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About
Williams 360 Financial Advisory serves individuals, couples and families with fee-only financial planning and discretionary investment management, covering retirement, tax, estate, cash‑flow and risk‑management needs. The firm provides written financial plans, implementation support when requested, and ongoing portfolio monitoring and rebalancing for a concentrated client base managing roughly $40 million in regulatory assets under management.
The firm’s investment approach is grounded in Modern Portfolio Theory and emphasizes diversified, low‑cost passive investments (ETFs and index funds) and periodic rebalancing, with employer retirement plan holdings integrated into overall asset allocations. For certain separately managed accounts the firm may employ borrowing as part of implementation, a technique it discusses alongside its formal risk analyses and portfolio monitoring procedures.
Distinctive features relative to many peers include a flat‑fee pricing model for investment management rather than a percentage‑of‑AUM fee and explicit procedures to manage tax consequences when transitioning existing holdings (including multi‑year trade‑outs to mitigate capital gains). The firm also emphasizes individualized cash‑flow planning and account‑level coordination across held‑away retirement accounts and other non‑custodied assets for a small number of clients.
Client services
Expertise
Fee options
Financial planning and investment management fees quoted as flat fees based on hourly rate (up to $250/hour) and complexity
Up to $250 per hour for financial planning and investment management services
Fee-only: Flat fees based on hourly rate up to $250 per hour; financial planning typically 10 to 40+ hours; ongoing investment management also charged as flat fee based on hourly rate up to $250 per hour
Main office
See officeBellevue WA
Advisors at this office
1
Most active in
Washington
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
Advisors at this firm
Jason W
CFP®, Series 65
Redmond, WA
Williams 360 Financial Advisory, LLC
Jason Williams is a CFP® with 11 years of industry experience. He is the principal advisor at Williams 360 Financial Advisory, LLC, an independent firm he has led since 2015. His prior work includes a position at CGN Advisors, LLC. Williams 360 Financial Advisory serves individuals, couples, and families with fee-only financial planning and discretionary investment management, focusing on retirement, tax, estate, cash-flow, and risk-management needs. The firm employs a Modern Portfolio Theory-based approach using diversified, low-cost passive investments, and incorporates employer retirement plan holdings into overall asset allocations.
Lydja W
Series 65
Bellevue, WA
Williams 360 Financial Advisory, LLC
Lydja Williams is the principal advisor at Williams 360 Financial Advisory, LLC in Bellevue, WA. She holds a Series 65 designation and has one year of experience in the financial advisory industry. Prior to founding her firm, she worked at Microsoft for six years and at Rendition Software for fourteen years. Williams 360 Financial Advisory, LLC is a fee-only independent firm serving individuals, couples, and families with broad-based financial planning and discretionary investment management. The firm follows Modern Portfolio Theory, emphasizing diversified, low-cost, passively managed index funds and ETFs, and uses a flat-fee pricing model rather than fees based on assets under management.
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