Layered Financial, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
10
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
10
LowAverage account size
$0
About
Layered Financial provides financial planning and consulting to individual clients. The firm operates as a single-advisor practice with a small client roster and does not manage client assets or serve as a custodian.
Financial plans are developed using cash-flow analysis, tax and estate planning, risk-management review, and an investment strategy derived from client questionnaires, objectives, and risk tolerance; services include full comprehensive plans, annual review/check-ups, and project-specific engagements, with plans typically delivered within a defined period after receipt of required documentation. The firm charges fixed, negotiable planning fees rather than percentage-of-assets-under-management and does not offer discretionary portfolio management.
Noteworthy features include the firm principal’s significant outside-business activities (federal law enforcement work and rental property ownership), which the brochure discloses as consuming the majority of the principal’s time and as a source of additional compensation; the firm may offer services to co-workers but states no related conflicts. The firm also recently expanded its regulatory registrations and holds a conditional registration that limits the number of clients in one state, and it does not recommend other investment advisers, accept external sales compensation, or vote client securities.
Client services
Financial planning
Expertise
General retirement planning
Cash flow / budgeting
Debt management
General tax planning
General estate planning guidance
Fee options
Fee-only: Negotiable fixed fees up to $10,000 for full comprehensive financial planning, annual review/check-up/follow-up services, and project specific plans
Main office location
Layered Financial, LLC
Arlington VA, United States
Number of offices
1
Most active in
Layered Financial, LLC has reported serving >5 clients in these states in the last 12 months.
Connecticut · Texas · 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
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")