What Paul Williams Financial does

Paul Williams Financial is a fee-only, fiduciary financial advisory firm operating as Paul M Williams LLC, a registered investment advisor headquartered in Katonah, NY. Founded by Dr. Paul Williams, a former dental surgeon who transitioned into financial planning after observing retirement unpreparedness among his patients, the firm serves individual US consumers across the financial lifecycle, including young professionals, aspiring homeowners, pre-retirees, and retirees. Service offerings include budgeting, investment planning, portfolio monitoring, retirement planning, debt management, Social Security maximization, Medicare supplement guidance, and home-purchase readiness, all delivered without third-party commissions.

The firm operates on a fixed-cost pricing model that is unusual within the advisory industry. Instead of the typical percentage-of-AUM fee, clients pay a monthly subscription on an income-based sliding scale: $10/month (under $50K income), $25/month ($50K-$100K), $40/month ($100K-$170K), and $60/month (over $170K). Hourly as-needed consulting and, separately, real estate brokerage commissions through Paul Williams' affiliation with Houlihan Lawrence and the Tricarico team supplement the subscription stream. There is no proprietary technology platform disclosed; client-facing infrastructure is limited to a Wix-hosted website, Cal.com self-serve scheduling, LinkedIn and Facebook organic social, an educational blog, and a formal client referral program.

Commercially, the firm pursues a sales-led, direct-consultation GTM motion: prospective clients book a free initial consultation, after which they convert into subscription or hourly engagements. The competitive positioning emphasizes the fee-only fiduciary model, sliding scale accessibility, founder-led compassion, and the unique dual expertise combining financial planning with real estate guidance. The practice is privately held, owner-operated by Dr. Williams, and does not raise external capital; growth is entirely organic and bounded by the personal capacity of a single advisor.

Name

Paul Williams Financial

Legal name

Paul M Williams LLC

Website

https://paulwilliamsfinancial.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Paul Williams Financial is a fee-only, fiduciary financial advisory firm operating as Paul M Williams LLC, serving individual US consumers. It delivers fixed-cost financial planning on an income-based sliding scale, hourly consulting, and integrated real estate guidance through Houlihan Lawrence.

Ownership category

akta.pro rank

Product category

Personal Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Fee-Only Advisory (FSAEAAAL)

akta.pro secondary industries

Comprehensive Financial Planning (FSAEAAAA), Discretionary Portfolio Management (Retail) (FSAAAAAH)

Keywords

• Fee-only financial planning
• Fiduciary investment advisory
• Retirement planning services
• Personal financial coaching
• Wealth management consulting

Headquarters

HQ city

Katonah

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Monthly Subscription - Financial Planning Services: Fixed-cost monthly retainer model based on income-level sliding scale. Clients pay ongoing monthly fees for continuous financial planning advice, investment monitoring, and periodic consultations.
2. Hourly Consulting: As-needed hourly consulting for clients seeking advice on specific matters. Time is tracked and billed per hour with upfront time estimates provided to avoid surprises.
3. Real Estate Sales Commission: Paul Williams is independently licensed as a real estate salesperson with Houlihan Lawrence. He operates separately as a member of the Tricarico real estate team, earning commissions on real estate transactions.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Paul Williams Financial is a fee-only, fiduciary financial advisory firm that provides fixed-cost financial planning services to individual consumers on either a sliding-scale monthly subscription or an as-needed hourly basis. The firm combines financial planning with investment monitoring, retirement transition planning, budgeting, debt management, and home purchase readiness advice, and operates a complementary real estate salesperson practice through Houlihan Lawrence.

Product overview

Paul Williams Financial operates as a fee-only, fiduciary financial advisory firm offering fixed-cost financial planning services through a subscription-based pricing model. The core offering is a unified financial planning service supplemented by specific sub-products including Investment Monitoring, Retirement Transition Planning, Personalized Financial Advice, Financial Literacy Education, Debt Management Strategy, Budgeting, Investment Planning, Home Purchase Readiness, and Retirement Planning. The company differentiates through its sliding scale pricing structure based on client income levels, offering monthly subscriptions ranging from $10 to $60 per month depending on income tier, as well as hourly consulting options. All services are provided without commissions or third-party financial incentives to eliminate conflicts of interest.

Differentiator

Problem solved

Functional benefit

Products and services

• Fixed-Cost Financial Planning Services

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

Three partnerships are on record, tiered core and minor.

• Paul M Williams LLCcoreOthersPaul M Williams LLC is the registered investment advisor firm under which Paul Williams operates as an Investment Advisor Representative (IAR). The firm is registered with the SEC and maintains compliance with state registration requirements. Paul Williams Financial operates as a brand under this entity.
• Houlihan LawrenceminorOthersPaul Williams holds an independent real estate salesperson license with Houlihan Lawrence, a real estate brokerage firm. He operates separately as a member of the Tricarico team within this capacity. This provides complementary real estate services to financial planning clients.
• Tricarico TeamminorOthersPaul Williams is a member of the Tricarico real estate team at Houlihan Lawrence, providing real estate services including home purchases and sales. This team affiliation enables integrated financial and real estate advisory services.

Recent moves5 records

Expansion highlights4 records

Direct peers

• Facet Wealth: Facet Wealth is a fee-only subscription financial planning firm serving individuals across income tiers with flat monthly pricing, directly comparable to Paul Williams Financial's sliding-scale monthly model and individual-consumer focus.
• Ellevest: Ellevest provides subscription-based financial planning and investment management primarily to women, competing in the same accessible, recurring-fee individual-planning category as Paul Williams Financial.
• Harness Wealth: Harness Wealth matches individual clients with vetted financial advisors and operates on subscription-style pricing for financial planning access, comparable to Paul Williams Financial's direct advisory subscription approach.
• XY Planning Network (XYPN): XYPN is a network of fee-only financial planners targeting Gen X and millennials on subscription or flat-fee models, directly comparable to Paul Williams Financial's fee-only, monthly-pricing, individual-consumer positioning.

Broad incumbents

• Empower (formerly Personal Capital): Empower offers digital wealth management, financial planning tools, and advised portfolios to mass-affluent consumers, overlapping with Paul Williams Financial's planning and investment-monitoring offerings at a larger, more established scale.
• Wealthfront: Wealthfront provides automated investment management and financial planning tools to a mass-affluent retail audience, representing the scaled, technology-led alternative to fee-only advisory practices.
• Betterment Premium: Betterment's Premium tier pairs automated portfolio management with access to CFP® professionals for financial planning, targeting the same subscription-oriented individual consumer that Paul Williams Financial serves.
• Vanguard Personal Advisor Services: Vanguard offers hybrid robo-advisor plus human advisor services to individual investors, representing the incumbent, low-fee scale competitor to fee-only subscription planners.

Regional players

• Houlihan Lawrence: Houlihan Lawrence is the Westchester, NY-based real estate brokerage with which Paul Williams holds his salesperson license, serving as both a referral partner and a comparable regional services firm targeting the same geography.

Emerging players

• Boldin (formerly NewRetirement): Boldin provides DIY and advisor-supported retirement planning software and services to individuals, overlapping with Paul Williams Financial's retirement transition and Social Security maximization offerings.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/paulwilliamsfinancial
• LinkedInlinkedin.com/company/paulwilliamsfinancial

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Paul Williams Financial