Acadia Financial Services, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$6,463,984
Clients
20
0% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
20
LowAverage account size
$323,199
About
Acadia Financial Services, LLC is a state‑registered independent advisory firm that serves individual and family clients through a tiered service structure offering ongoing financial planning, virtual-delivery planning, and discretionary investment management via a sub‑advisor. The firm reports roughly $4.8 million in discretionary assets under management and operates as a solo adviser.
The firm’s investment approach emphasizes passive portfolio construction and Modern Portfolio Theory, with a third‑party sub‑advisor implementing model portfolios primarily using index mutual funds and ETFs and offering automated rebalancing and tax‑loss harvesting. Financial planning and client communication are delivered largely virtually, with tools such as a planning software portal, virtual vault, and recurring meetings covering retirement planning, qualified plan/TSP advice, student loan planning, tax‑return review, and estate considerations.
Distinctive elements include a regularly published educational newsletter called “Lagniappe,” and a billing model that emphasizes fixed or subscription planning fees rather than relying primarily on percentage‑of‑AUM advisory charges (external AUM fees may apply when the sub‑advisor is used). The firm also combines fiduciary obligations with tax and financial planning expertise—holding CFP and Enrolled Agent credentials among its principals—and uses Charles Schwab’s institutional platform for custody and trade execution.
Client services
Financial planning
Portfolio management
Selection of other advisers
Newsletters or periodicals
Expertise
Debt management
Student loan debt
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Fee options
Tier I - Advising: $600 to $900 annually plus $300 upfront engagement fee; Tier II - Planning: $4,800 to $6,600 annually; Tier III - Wealth Management: $7,200 to $12,000 annually; all fees paid monthly in advance.
$0 - $5,000,000: 0.35% annually (charged by XY Investment Solutions as Sub-Advisor) $5,000,001 - $25,000,000: 0.30% annually (charged by XY Investment Solutions as Sub-Advisor) $25,000,001+: 0.25% annually (charged by XY Investment Solutions as Sub-Advisor)
Project-Based Financial Planning at $400 per hour, negotiable.
Account minimum: No minimum asset requirement to engage Acadia for all tiers of service; however, minimum annual fees apply per service tier. Minimum fee: Tier I - Advising: minimum annual fee $600; Tier II - Planning: minimum annual fee $4,800; Tier III - Wealth Management: minimum annual fee $7,200 Fee-only: Financial planning fees billed directly; no commissions accepted.
Main office location
Acadia Financial Services, LLC
Fairfax Station VA, United States
Number of offices
2
Most active in
Acadia Financial Services, LLC has reported serving >5 clients in these states in the last 12 months.
Maryland · Virginia
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not 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.
-
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.
Forms ADV
Quick links
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
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. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")