A Better Way Financial provides financial planning, portfolio management for individuals and small businesses, and selecting other managers. Financial planning was provided to 101–250 clients last fiscal year.
A Better Way Financial reports 354 clients. They include 339 individual clients and 15 high-net-worth individuals. Of its assets, 96.6% ($105M across 954 accounts) are managed with discretion; $3.68M across 26 accounts are not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 96% | 83% |
| High-net-worth individuals | 4% | 17% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 339 | $90.7M | 83.3% | $268K |
| High-net-worth individuals | 15 | $18.2M | 16.7% | $1.21M |
| Total | 354 | $109M | 100% | $308K |
- Clients
- 339
- Regulatory AUM
- $90.7M
- AUM share
- 83.3%
- Avg. per client
- $268K
- Clients
- 15
- Regulatory AUM
- $18.2M
- AUM share
- 16.7%
- Avg. per client
- $1.21M
Total
- Clients
- 354
- Regulatory AUM
- $109M
- AUM share
- 100%
- Avg. per client
- $308K
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 101–250
A Better Way Financial is paid through a percentage of assets under management and fixed fees (other than subscription fees). The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Ongoing financial planning
- Ongoing financial planning is a fixed fee of $500 to $2,399 per year, billed twice a year.
Frank Guida owns 25% to 50% of A Better Way Financial. The leadership team of A Better Way Financial includes President Kimberly Guida. It has 10 employees, 5 of them in advisory roles.
Leadership
- Kimberly GuidaExecutive Vice President
- Frank GuidaPresident/CCO
- Frank GuidaManaging Member
Investment adviser representatives
5 representatives listed in the SEC register as of 9 October 2026.
Staff
- 10 employees
- 5 in advisory functions
- 5 state-registered reps
- 7 insurance agents
- Owns 25% to 50% of A Better Way Financial, LLC
Frank Guida
Control person · since June 2011
- Owns 25% to 50% of A Better Way Financial, LLC
Kimberly Guida
Control person · since June 2011
Besides its headquarters, A Better Way Financial has 0 offices, with 1 listed address in Pennsylvania.
Pennsylvania · 1 listed address
- 6357 Airport Road, AllentownHQ
Contact and registration details
- Legal name
- A Better Way Financial, LLC
- Headquarters
- 6357 Airport Road, Allentown, PA 18109
- Website
- abetterwayfinancial.com
- Phone
- 610-440-1700
- @a-better-way-financial
- SEC file
- 801-136115
- Structure
- Pennsylvania LLC
- Fiscal year end
- December
A Better Way Financial uses Charles Schwab ($109M) as custodian for its separately managed accounts. A Better Way Financial does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · Omaha, NE · $109M100%
At year end, A Better Way Financial’s separately managed accounts were mostly in funds (97%). Its reported 13F holdings for the quarter ended 30 June 2026 total $118M across 9 positions; the largest are SPDR Portfolio S&P 500 ETF (40.6%), Invesco Qqq Trust Series 1 (26.5%) and SPDR Dow Jones Industrial Average ETF Trust (19.8%).
What the accounts hold
- Stocks1%
- Funds97%
- Cash2%
Reported 13F holdings
- $118M
- Reported 13F value
- 9
- Positions
- 100.0%
- In the 10 largest
- —
- Value vs. prior quarter
- SPDR Portfolio S&P 500 ETF · EQ40.6%
- Invesco Qqq Trust Series 1 · EQ26.5%
- SPDR Dow Jones Industrial Average ETF Trust · EQ19.8%
- Financial Select Sector SPDR Fund · EQ4.8%
- SPDR Gold Shares · EQ4.1%
- iShares Bitcoin Trust ETF · EQ3.5%
- Unitedhealth Group Inc. · EQ0.5%
- Luxfer Holdings PLC · EQ0.2%
- Agnc Investment Corp. · EQ0.1%
Together, the ten largest are 100.0% of reported value.
How many clients does A Better Way Financial have?
A Better Way Financial has 354 clients and manages $109 million for them, as of September 2026. They include 339 individual clients and 15 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 21 September 2026
What services does A Better Way Financial offer?
A Better Way Financial provides financial planning, portfolio management for individuals and small businesses, and selecting other managers.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
Which custodians does A Better Way Financial use?
A Better Way Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (Omaha, NE), with $109M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 21 September 2026
How many financial advisors does A Better Way Financial have?
A Better Way Financial has 5 investment adviser representatives registered with state securities authorities, out of 10 employees, and 5 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 7 employees are licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does A Better Way Financial invest in?
At the end of its last fiscal year, A Better Way Financial’s separately managed accounts held 97% registered funds (mutual funds, ETFs, BDCs), 2% cash and equivalents and 1% exchange-traded equities.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns A Better Way Financial?
A Better Way Financial’s direct owners are Frank Guida and Kimberly Guida, each holding 50% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 21 September 2026
How does A Better Way Financial get paid?
A Better Way Financial is paid through a percentage of assets under management and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact A Better Way Financial?
A Better Way Financial’s main office is at 6357 Airport Road, Allentown, PA 18109. Its phone number is 610-440-1700. Its website is abetterwayfinancial.com.