Business Description
We provide financial strategies, alternatives, and advice for clients who want to be certain that they are making informed decisions about their investments and retirement. We work closely together to explore avenues available to help them pursue their lifetime and retirement goals. We will provide a complimentary initial consultation for prospective clients to determine whether their needs and our services are well matched. Who we are: Williams Asset Management is a boutique wealth consulting firm with an emphasis on retirement planning and tax-efficient asset management. As an independent financial practice, we offer fee-based services through Commonwealth Financial Network, and our reasonable compensation structure is designed to have our clients' best interest at heart. What we stand for: Williams Asset Management delivers dedicated financial counsel to you free of conflicts of interest. Our focus is to guide you toward your financial goals in the most objective manner possible and to keep your welfare at the center of our work. How we can help you: We work with you to set up a plan based on your needs and goals. The plan becomes the guideline for outlining priorities and developing action steps that may span several weeks, several years, and/or for more than one generation. Gary Williams and Daniel Root are registered representatives and investment adviser representatives with and offer securities and advisory services through Commonwealth Financial Network, member FINRA/SIPC, a registered investment adviser.
General Information Gender:    Male CRD#:    2470323 Firm CRD#:    8032 Name of Broker/Dealer:    Commonwealth Financial Network States Licensed in:    CA, CO, DE, FL, KS, ME, MD, MA, NJ, NY, NC, OH, PA, VA, WA, WV, WI Years of Experience in Financial Services:    14 Number of Years with Current Firm:    14 I work with the following types of clients:    Businesses, Non-Profit Organizations, Individual Investors
Education Academic Background   Gary Williams: BS, Finance - Towson University (1993) Daniel Root: BS, Economics, magna cum laude, Babson College (1998) MBA, Finance and Marketing - Carnegie Mellon University
Services Investment Types:    Mutual Funds, Bonds, Stocks, Exchange Traded Funds (ETFs), Mortgages & Real Estate, Alternative Investments, Options & Futures, Commodities, Insurance, Annuities, Socially Responsible Investments (SRI)
Qualifications & Memberships Certifications, Accreditations & Designations:    CERTIFIED FINANCIAL PLANNER™ Certificant, Chartered Financial Analyst (CFA), Chartered Retirement Planning Counselor (CRPC®) Securities Licenses:    Series 63, Series 7, Series 65 Insurance and Annuity Licenses:    Variable Annuity, Long Term Care, Variable Life, Disability, Life, Health, Annuity Financial Organization Memberships:    Financial Planning Association (FPA), CFA Institute Non-Financial Organization Memberships:    Board of the YMCA of Howard County Baltimore Area Triathlon Club
Firm Information Number of Advisors in Office:    Up to 10 employees I work with clients as part of a team:    Yes Firm's Number of Clients:    225 Firm's Number of Planning Clients:    200 Firm's Number of Managed Clients:    200 Assets Managed by Firm:    $110,000,000
Compliance Registered Representative:    Yes Investment Advisor Representative:    Yes I am an acknowledged fiduciary:    Yes Compliance Disclosures in Last 5 years:    I have a clean record Criminal Disclosures in Last 5 years:    I have a clean record
Compensation & Fees I am a fee-based financial professional:    Yes Minimum Portfolio Size for New Managed Accounts:    $100,000 Compensation Methods:    Based on Assets, Flat Fee, Hourly Fee % Based on Assets:    .85%-1.50% Hourly Rate:    $250
Prepared By:	Gary Williams CFP®, CRPC®, Daniel Root, CFA®

Frequently Asked Questions

Q.	What are your qualifications? What is your education background?

Q.	What is your approach to financial planning?

Q.	What services do you offer?

Q.	How many clients do you currently manage?

Q.	Will you be the only person working with me?

Q.	How are you compensated? How will I pay for your services?

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?

Q.	How much risk should I be willing to take?

Q.	Have you ever been charged with any breaches?

Q.	Do you provide a free initial consultation?

Q.	Why should I choose you as my financial advisor?

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Q.	What are your qualifications? What is your education background?
Gary Williams: *Bachelor of Science - Business Administration/Finance Towson University *CERTIFIED FINANCIAL PLANNER™ practitioner *Chartered Retirement Planning Counselor™ *Over 15 years experience Daniel Root: *Bachelor of Science - Economics, Magna Cum Laude Babson College *MBA /Finance & Marketing Carnegie Mellon University *Chartered Financial Analyst (CFA)

Q.	What is your approach to financial planning?
First, we gather information about our clients, including, but not limited to assets, liabilities, income, expenses, risk tolerance, and life goals. Then we use state-of-the art, sophisticated software to create a comprehensive analysis. After we review your analysis thoroughly, we help you implement "your plan".

Q.	What services do you offer?
*Comprehensive Financial Planning* *Retirement Planning* *Investment Management* *Education Planning* *Estate Planning* *Income Tax Planning* *Insurance Planning* *Scenario Advising*

Q.	How many clients do you currently manage?
As of 2/08, we provide services to approximately 225 clients.

Q.	Will you be the only person working with me?
No. We cannot provide the high level of services that our clients deserve by ourselves. We have a staff that is dedicated to supporting these efforts.

Q.	How are you compensated? How will I pay for your services?
We are typically paid by a fee for financial planning and/or a fee to manage client's investments.

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?
In a fee-based account, we would have discretionary authority to buy and sell investments.

Q.	How much risk should I be willing to take?
We will carefully examine your past investment experience, goals, current financial assets, and your specific tolerance for risk to determine the amount of risk that fits your goals and specific return and risk objectives.

Q.	Have you ever been charged with any breaches?
No.

Q.	Do you provide a free initial consultation?
Yes

Q.	Why should I choose you as my financial advisor?
We are independent advisers with our clients' interests at heart.