Personalized Financial Planning

With decades of experience in the industry, the Williams Financial team strives to listen and learn about who you are and what you want out of life. We can then begin to carve out personalized solutions aimed at supporting your overall financial well-being. 

About Williams Financial

Williams Financial, LLC is an independent, fee-only registered investment advisory firm with offices in Massachusetts, New York, and Vermont. Since 2005, Williams Financial, LLC has provided services and resources to individuals, families, and small business owners. 

Our integrated wealth management services include:

  • Financial Planning
  • Investment Management
  • Tax Consulting
  • Estate Planning
  • Generational Wealth Planning
  • Philanthropy Planning

Everything starts with you—your thoughts, values, and goals.

Our experienced team listens and learns about you and your aspirations. We can then create custom solutions aimed at supporting your overall financial well-being. By staying true to our core values, we seek to guide you through our step-by-step process designed to help you grow and progress towards your goals.

We strive to understand every piece of your financial puzzle to help clear the path to reaching your full potential. Our system of regular communications is meant to support you as needed if your circumstances, objectives, or needs evolve.

We believe in wrapping a whole team around you and your life vision. Our collaboration will place you alongside our team of professionals, who will aim to establish trust, provide guidance and reliable resources, and support your every goal.

The Williams Financial Experience

Creativity &

Our team understands the vital connection between personal and professional innovation and development. As we adjust and refine your financial plan year after year, we also put energy into our personal development to ensure you always receive the highest level of service possible.

Learning &

Your team consistently studies industry developments and shares our thoughts and findings both internally and with you. Learning, reading, and teaching challenges us to go further than previously possible, inspiring us to try new approaches and exceed your expectations.

Accountability &

Providing advanced support to upgrade your life requires regular communication and close monitoring. Our proven process uses a checkpoints system to follow up with you, address your questions and needs, review your progress, and pinpoint exactly what we can improve.

Transparency &

While many others in the industry seek commissions and profits at your expense, we are a fee-only, fiduciary firm that does not offer advice on proprietary securities. Our team seeks to exercise transparency and uphold our core values with ourselves, our clients, and our community.

Our Process

Create more moments of meaning, connection, and contentment. 

Financial planning and life planning are two sides of the same coin. Let us guide you through our multifaceted process to address both these needs. Spark new opportunities to step into a more vibrant life, fully supported by a healthy financial foundation.

Start by connecting with us over the phone for a high-level introduction to our process. We’ll get to know each other and see if we’re a good fit to collaborate. After, we’ll meet in person or virtually to dive a little deeper into your specific circumstances, and you can decide if and when you are ready to proceed.


Discovery Meeting

What is most important to you? Amidst your busy day-to-day, our initial meeting will offer an opportunity to slow down and think through what you’re truly seeking in life, family, and play. We look forward to learning about your values, your current financial picture, and your goals.

How can your finances align with your goals? Reviewing and analyzing your current financial portrait will help you identify what is working and your next steps. This second meeting is your chance to establish your goals and develop clear strategies to help you reach them.


Preliminary Findings Meeting


Developing Solutions

What personalized strategies do you need? Walk with us through the five areas of financial planning to find comprehensive solutions for your unique qualitative and quantifiable goals, whether you want a more robust retirement plan or advanced tax strategies.

How will you achieve new victories? During this meeting, we’ll discuss every aspect of your finances and our proposed plan in detail. Together, we’ll review your current and future needs, our recommendations for your success, and fresh opportunities to anticipate.


Final Recommendations Meeting



What personalized strategies do you need? Walk with us through the five areas of financial planning to find comprehensive solutions for your unique qualitative and quantifiable goals, whether you want a more robust retirement plan or advanced tax strategies.

How do your needs and goals change? As an Integrated Wealth Management client, your continued success is our priority. We will monitor your progress, manage your investments, and update your strategy regularly to match your movements through life.





What else do you need? As your financial partner, we will establish consistent check-ins that work for your schedule to ensure all tasks and steps are accomplished as planned. In our Annual Update Meeting, we’ll go through your year and review each aspect of your financial plan.

Let’s Work Together

If you want to get started or you’re wondering if Williams Financial is right for you, reach out to us by filling out our contact form or giving us a call at (802) 317-8198. Having worked with many individuals and families over the years, we have discovered that we deliver the most benefit to those who:

  • Are diligent savers and have managed to accumulate $500,000 or more, or quickly plan to reach that goal.
  • Value an ongoing professional advisory relationship (we do not offer hourly or one-time financial advice).
  • Understand the important role that financial planning can serve when it comes to accumulating and preserving wealth.
  • Prefer to partner with a firm that serves clients in a fiduciary, fee-only capacity.

We have 3 office locations, but serve clients across the entire United States. You are welcome to work with us virtually or in person at any of our office locations.

Saratoga Springs, NY

28 Clinton Street Suite 2
Saratoga Springs, NY 12866

Bennington, VT

204 Union Street
Bennington, VT 05201

Leominster, MA

14 Monument Sq. Suite 402
Leominster, MA 01453

Get in Touch

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