F
Financial Advisory Services
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
21
0% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
21
TypicalAverage account size
$0
About
The firm provides comprehensive financial planning for middle‑income individuals, with a primary focus on retirement and education funding. It recommends portfolios of no‑load mutual funds and provides advice without selling financial products.
The advisor uses the Harold R. Evensky Investment Attitudes Survey and Morningstar research to frame risk tolerance and select mutual funds and 529 plans, emphasizing conservative, long‑term planning, emergency savings and RMD preparedness. Clients receive a mutually agreed Investment Policy Statement and regular written reporting, and the advisor reviews accounts two to four times per year while maintaining no trading authorization or custody of client assets.
Compared with peers, the firm does not provide portfolio management for individual accounts and does not charge fees based on a percentage of assets under management. The practice serves a small, predominantly long‑term client roster, conducts business remotely with out‑of‑state clients, accepts new clients primarily by referral, and expects clients to implement and maintain their own investment accounts and records.
Client services
Financial planning
Expertise
General retirement planning
College savings (529s, UTMA, etc.)
Cash flow / budgeting
Demographic focus
Mid-Career Professionals
Fee options
$75/hour
Minimum fee: Minimum project fee of $300 Fee-only: Fee-only planner, charges $75/hour
Main office location
Financial Advisory Services
Gaysville VT, United States
Number of offices
1
Most active in
Financial Advisory Services has reported serving >5 clients in these states in the last 12 months.
Massachusetts
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
Not sure where to start?
We'll help you think it through — whether you ultimately need an advisor or not.
Warmer helps you compare advisors clearly — so you can choose with confidence.
Discover
Compare top advisor firms by metric, firm size, and location.
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")