Equal-WT
WhaleScore 2.0
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Williams Financial is based out of North Bennington. Williams Financial is a large advisory firm with 260 clients and discretionary assets under management (AUM) of $168,529,731 (Form ADV from 2024-09-30). Their last reported 13F filing for Q4 2024 included $160,618,643 in managed 13F securities
and a top 10 holdings concentration of 98.8%. Williams Financial's largest holding is SPDR Portfolio S&P 500 Value ETF with shares held of 709,350. Whalewisdom has at least 18 13F filings
Business Description
Williams Financial, LLC (WF) is a fee-only advisory firm that provides financial planning, investment management, and investment advisory services. They operate under a fiduciary standard, meaning they act in the best interest of their clients. WF believes the fee-only method is the most transparent and objective way to provide financial advice.
WF offers a comprehensive four-step wealth management process that begins with an introductory meeting and progresses through data gathering, analysis, and implementation of a financial plan. They offer a range of services for individuals and families, including philanthropic and charitable planning, intragenerational wealth planning, estate planning, education funding, retirement planning, investment advice and review, tax planning, risk management, cash flow, and debt management.
Investment Strategy
WF utilizes both long-term and short-term trading strategies. Their tactical asset allocation strategy focuses on staying aligned with market trends and countertrends, investing in assets during uptrends and exiting during downtrends. This active management approach employs various methodologies like relative strength/momentum, countertrend analysis, inter-market analysis, and different time frames.
The firm employs five distinct asset allocation strategies: Aggressive Growth, Moderate Growth, Balanced, Moderately Conservative, and Conservative. These strategies are subject to change as determined by the Chief Investment Officer. The firm primarily utilizes low-cost mutual funds, exchange-traded funds, and index funds to provide clients with broad investment class exposure. They generally favor a long-term investment approach and may not engage in frequent trading to minimize transaction costs.
Known Email Addresses
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Other Contact Information
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2024-12-31
Top Buys (13F)
Name | % Change |
---|---|
SLQD iShares 0-5 Year Inv | 0.15% |
SCHO Schwab Short-Term U. | 0.14% |
DFAS Dimensional U.S. Sma | 0.02% |
SCHA Schwab U.S. Small-Ca | 0% |
SCHM Schwab U.S. Mid-Cap | 0% |

2024-12-31
Top Sells (13F)
Name | % Change |
---|---|
SYY Sysco Corp | 0.02% |

2024-12-31
13F Holdings Summary
Name | $ Change |
---|---|
SPYV SPDR Portfolio S&P 5 | 22.59% |
IWY iShares Russell Top | 16.59% |
BIV Vanguard Intermediat | 14.36% |
SLQD iShares 0-5 Year Inv | 12.25% |
SCHO Schwab Short-Term U. | 12.17% |

2024-12-31
13F Activity
Market Value | $161m, Prior: $160m |
Inflows (Outflows) as % of Total MV | +1.5563% |
New Purchases | 0 stocks |
Added To | 12 stocks |
Sold out of | 0 stocks |
Reduced holdings in | 4 stocks |
Top 10 Holdings % | 98.8% |
Turnover %[1] | 0% |
Turnover Alt %[2] | 0.15% |
Time Held Top 20 | 2.8333 quarters |
Time Held Top 10 | 2.9 quarters |
Time Held All | 5.94 quarters |
[1]: Turnover is calculated by taking the # of new holdings (initial purchases) + the # of positions sold out of (not just reduced) divided by the total # of holdings for the quarter.
[2]: Alt Turnover is calculated by taking either the total MV of new purchases or the MV of securities sold, whichever is less, divided by the total MV of the fund.

2024-12-31
13F Sector Allocation Over Time
limited to past 4 quarters. Subscribe to see all available data

2024-12-31
Analysis

Top 20 equal-weighted holdings. Performance numbers calculated through 2024-12-31