Financial Solutions
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$61,598,200
This total excludes 4 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Clients
84
30% 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
84
Very HighAverage account size
$733,312
About
Financial Solutions is a fee-only independent advisory firm that provides personalized financial planning and investment management to individuals as well as pension and profit-sharing plans, trusts, estates, charitable organizations, small businesses and municipal clients. As of March 2024 the firm managed about $49.4 million in discretionary assets for roughly 120 individual clients and offers a mix of AUM retainer, flat-fee annual retainer, and hourly engagements, with occasional tax-preparation services.
The firm’s investment approach emphasizes long-term strategic asset allocation implemented with a combination of passive and active investments—primarily no‑load/low‑load mutual funds and ETFs, with selective use of individual stocks and bonds—and periodic rebalancing driven by one of seven model allocations derived from a client risk survey. Investment selection leans on fundamental and cyclical analysis supported by third‑party research (Morningstar, Schwab research, S&P/Thomson Reuters), and client relationships include written meeting notes, periodic reports, and annual or as‑needed reviews.
What distinguishes the firm from many solo independent advisers is its service mix beyond typical individual portfolio management: it accepts pension/profit‑sharing and charitable organization clients, advises state and municipal entities, provides pension consulting and offers educational seminars/workshops, and regularly issues newsletters and special reports. Financial Solutions also maintains business‑continuity arrangements with two other fee‑only firms for succession support and handles a limited volume of individual tax returns—features that are relatively uncommon for firms of this size.
Client services
Financial planning
Portfolio management
Pension consulting
Newsletters or periodicals
Educational seminars or workshops
Expertise
Cash flow / budgeting
General tax planning
College savings (529s, UTMA, etc.)
Fee options
Flat fee annual retainer agreement starting at $3,000 minimum, negotiable
$0 - $1,000,000: 1% $1,000,001 - $2,000,000: 0.8% $2,000,001 - $3,000,000: 0.7% $3,000,001 - $5,000,000: 0.5% $5,000,001 - $10,000,000: 0.35% $10,000,001+: 0.25%
Planner: $295 per hour (negotiable); Assistant: $85 per hour (negotiable); Tax Preparation: $175 per hour with $210 minimum fee
Account minimum: $3,000 minimum annual fee for Annual Retainer agreements Minimum fee: Minimum Annual Fee of $3,000 with tiered AUM fees Fee-only: Flat fee annual retainer with minimum fee of $3,000 (negotiable)
Main office location
Financial Solutions
34 Market St.
Onancock VA 23417, United States
Number of offices
2
Most active in
Financial Solutions has reported serving >5 clients in these states in the last 12 months.
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.
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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
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