Sandpoint, ID Office

Williams and Schiller Wealth Management, LLC provides fee-only investment advisory and financial planning services to individuals (including high-net-worth and younger clients through an “Ascend” program), business owners, retirement plans, and nonprofit entities. Its service menu includes wealth advisory, investment management, financial consulting, employee benefit plan advisory, and specialized offerings such as commission-free annuities and real estate trust/partnership investments.

The firm’s investment approach is asset-allocation driven and grounded in Modern Portfolio Theory, typically using diversified, passively managed mutual funds and ETFs (including Dimensional Fund Advisors products) alongside conservative fixed-income or annuity solutions. The brochure also discloses that WSWM may employ derivatives—specifically options and options-based ETFs—in separately managed accounts to limit downside risk in certain market environments, a practice that is uncommon among peer firms.

Distinctive features noted in the brochure include an affiliation with an accounting firm that provides tax, accounting, and valuation services under separate engagements, allowing coordinated tax and planning work across the two practices. The firm also recently exceeded $100 million in regulatory assets and applied to transition to SEC registration, a regulatory milestone highlighted in its disclosures.