Williams Financial, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$204,061,725
Clients
261
Advisors
4
of 7 employees
About
Williams Financial, LLC provides fee‑only financial planning, professional investment management, pension consulting, and a digital portfolio service to individuals (including high‑net‑worth clients), trusts, estates, and business entities. The firm works with clients who want either an ongoing integrated wealth management relationship or more limited investment‑only or digital options.
The firm typically employs a long‑term investment perspective while also using tactical asset‑allocation tools and a mix of fundamental, technical, cyclical analysis, and modern portfolio theory to construct portfolios using low‑cost mutual funds and ETFs across five broad allocation models. Integrated Wealth Management clients receive a coordinated process that produces a tailored Investment Policy Statement and ongoing monitoring and reviews; both discretionary and non‑discretionary arrangements are available.
Distinctively, Williams Financial offers accounting, tax preparation, and bookkeeping services in addition to advisory services, providing an uncommon degree of in‑house accounting integration for a team of its size. The firm also documents a four‑step integrated wealth management process that explicitly links relationship building, financial planning, an IPS, and professional investment management.
Client services
Expertise
Fee options
Financial planning flat fees generally range from $6,000 to $8,000, complex plans $8,000 to $16,000 or more
$1 - $1,000,000: 1.35% $1,000,001 - $3,000,000: 1.10% $3,000,001 - $5,000,000: 0.95% Above $5,000,001+: 0.70%
Financial planning hourly rate offered (specific amounts not stated in brochure)
Account minimum: $500,000 Minimum fee: $1,500 per quarter for accounts under $500,000 Fee-only: Fee-Only basis; no commissions or sales charges
Main office
12 Main Street
North Bennington VT 05257
Advisors at this office
4
Most active in
Florida · Massachusetts · New Hampshire · New York · Texas · Vermont
Also doing business as
Williams Financial Management, LLC · Williams Financial, LLC
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:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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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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
James W
CFP®, Series 63, Series 66
North Bennington, VT
Williams Financial, LLC
James Williams is a CFP® professional with 19 years of experience, currently serving at Williams Financial, LLC since 2005. He has worked as an adjunct professor at Hudson Valley Community College since 2011, teaching online courses. Williams Financial, LLC provides fee-only financial planning, investment management, pension consulting, and digital portfolio services to individuals, trusts, estates, and business entities. The firm combines a long-term investment approach with tactical asset allocation and various analytical methods, offering clients both integrated wealth management and investment-only options.
Meredith P
Series 65
North Bennington, VT
Williams Financial, LLC
Meredith Phippen is a financial advisor at Williams Financial, LLC with two years of industry experience. She holds the Series 65 designation and has worked at Williams Financial since 2019. Prior to her current role, she had brief engagements at Bennington College and Renee J. Jacobs, CPA, and spent six years at Evan Wilson Studios. Williams Financial, LLC provides fee-only financial planning, investment management, and pension consulting for individuals, families, trusts, estates, and business entities. The firm operates as a fiduciary, combining fundamental, technical, and cyclical analysis with modern portfolio theory to deliver tailored investment strategies and offers additional in-house accounting, tax preparation, and bookkeeping services.
Tyler C
CFP®, Series 65, Series 66
North Bennington, VT
Williams Financial, LLC
Tyler Cinelli is a Certified Financial Planner™ (CFP®) with 15 years of industry experience. He has worked at Williams Financial, LLC since 2017 and previously held positions at LT Trust, America's Best 401k, Goldman Sachs Wealth Services, MSI Financial Services, Inc., and Edward Jones. Williams Financial, LLC provides fee-only financial planning and professional investment management to individuals, trusts, estates, and business entities. The firm uses a long-term investment approach combined with tactical asset allocation and multiple analysis techniques, offering integrated wealth management and digital portfolio services alongside in-house accounting and tax preparation.
Daryl S
CFP®, Series 66
North Bennington, VT
Williams Financial, LLC
Daryl Spirka is a CFP® professional with 20 years of industry experience, currently serving at Williams Financial, LLC since 2015. He has prior experience at Lonergan And Thomas Insurance and has operated his own CPA practice since 2002. Outside of financial services, he owns and operates Passion 4 Sports, a sporting goods business in Wilmington, VT. Williams Financial, LLC provides fee-only financial planning, investment management, and pension consulting services to individuals, trusts, estates, and business entities. The firm uses a long-term investment approach combined with tactical asset allocation and multiple analytical methods, offering both integrated wealth management and digital portfolio options.
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