Continuum Wealth Advisors provides financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other managers, education planning, insurance, and tax preparation. Financial planning was provided to 11–25 clients last fiscal year.
Continuum Wealth Advisors reports 328 clients. They include 224 individual clients and 104 high-net-worth individuals. Of its assets, 97.7% ($338M across 870 accounts) are managed with discretion; $8.02M across 2 accounts are not. Of its clients, 1% are outside the U.S.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 68% | 24% |
| High-net-worth individuals | 32% | 74% |
| Pension and profit-sharing plans | Fewer than 5 | 2% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 224 | $83.5M | 24.2% | $373K |
| High-net-worth individuals | 104 | $254M | 73.5% | $2.44M |
| Pension and profit-sharing plans | Fewer than 5 | $8.02M | 2.3% | — |
| Total | 328 | $346M | 100% | — |
- Clients
- 224
- Regulatory AUM
- $83.5M
- AUM share
- 24.2%
- Avg. per client
- $373K
- Clients
- 104
- Regulatory AUM
- $254M
- AUM share
- 73.5%
- Avg. per client
- $2.44M
- Clients
- Fewer than 5
- Regulatory AUM
- $8.02M
- AUM share
- 2.3%
- Avg. per client
- —
Total
- Clients
- 328
- Regulatory AUM
- $346M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 1%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 11–25
Continuum Wealth Advisors charges 0.60%–1.00% a year for its Wealth Management Services. The fee is billed in advance and is negotiable. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Financial planning (separate engagement)
- Financial planning engaged separately is a fixed fee ranging up to $4,500, negotiable depending on the client's circumstances.
Timothy Smith owns 50% to 75% of Continuum Wealth Advisors. Timothy Smith is CEO; the leadership team includes President Jennifer Henry and Chief Investment Officer David Rath. It has 7 employees, 5 of them in advisory roles.
Leadership
- Timothy SmithManaging Partner and Chief Executive Officer
- Jennifer HenryVice President, Advisory Services and Chief Compliance Officer
- David RathPartner and Chief Investment Officer
Investment adviser representatives
6 representatives listed in the SEC register as of 9 October 2026.
- Benjamin Michael Guerin
- Jennifer Lindsay Henry
- Andrew Heuss
- Patrick William Kalish
- David Jonathan Rath
- Timothy Michael Smith
Staff
- 7 employees
- 5 in advisory functions
- 5 state-registered reps
- 1 insurance agent
- Owns 50% to 75% of Continuum Wealth Advisors, LLC
Timothy Smith
Control person · since February 2010
- Owns 25% to 50% of Continuum Wealth Advisors, LLC
David Rath
Control person · since April 2023
Continuum Wealth Advisors’ regulatory assets grew 2.4× from $145M (March 2021) to $346M (July 2026); clients rose from 287 to 328 and employees from 4 to 7.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| July 2026 | $346M | 328 | 7 | 2 |
| February 2025 | $254M | 315 | 5 | 2 |
| July 2024 | $207M | 305 | 5 | 1 |
| March 2023 | $169M | 278 | 5 | 1 |
| May 2022 | $183M | 282 | 5 | 1 |
| March 2021 | $145M | 287 | 4 | 1 |
Besides its headquarters, Continuum Wealth Advisors has 1 office (1 private residence, listed without an address), with 1 listed address in New York.
New York · 1 listed address
- 18 Division St., Suite 207b, Saratoga SpringsHQ
Contact and registration details
- Legal name
- Continuum Wealth Advisors, LLC
- Headquarters
- 18 Division St., Suite 207b, Saratoga Springs, NY 12866
- Website
- continuumwealthadvisors.com
- Phone
- 518-583-4050
- @continuum-wealth-advisors-llc
- SEC file
- 801-71245
- Founded
- 2010
- Structure
- New York LLC
- Fiscal year end
- December
Continuum Wealth Advisors uses Charles Schwab ($2.69M) as custodian for its separately managed accounts. Continuum Wealth Advisors does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $2.69M100%
At year end, Continuum Wealth Advisors’ separately managed accounts were mostly in funds (90%). Its reported 13F holdings for the quarter ended 30 June 2026 total $296M across 82 positions; the largest are American Centy ETF TR (14.7%), EA Series Trust (14.0%) and Vanguard Tax-managed Fds (12.9%).
What the accounts hold
- Stocks7%
- Funds90%
- Registered funds88%
- Pooled vehicles2%
- Cash3%
Reported 13F holdings
- $296M
- Reported 13F value
- 82
- Positions
- 79.9%
- In the 10 largest
- +23.0%
- Value vs. prior quarter
- American Centy ETF TR · US EQT ETF14.7%
- EA Series Trust · Alpha Architect14.0%
- Vanguard Tax-managed Fds · Van FTSE Dev Mkt12.9%
- World Gold TR · SPDR Gld Minis7.4%
- iShares TR · Core S&P500 ETF6.7%
- Tidal Trust II · Return Stckd US6.0%
- American Centy ETF TR · Avantis Core FI5.8%
- SPDR Series Trust · State Stret SPDR4.6%
- iShares TR · 0-5 YR Tips ETF4.4%
- Select Sector SPDR TR · ST Str Techn ETF3.5%
Together, the ten largest are 79.9% of reported value.
How many clients does Continuum Wealth Advisors have?
Continuum Wealth Advisors has 328 clients and manages $346 million for them, as of July 2026. They include 224 individual clients and 104 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 15 July 2026
What services does Continuum Wealth Advisors offer?
Continuum Wealth Advisors provides financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other managers, education planning, insurance, and tax preparation.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Continuum Wealth Advisors charge?
Continuum Wealth Advisors charges 0.60%–1.00% a year for its Wealth Management Services. The fee is billed in advance and is negotiable.
Which custodians does Continuum Wealth Advisors use?
Continuum Wealth Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $2.69M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 15 July 2026
How many financial advisors does Continuum Wealth Advisors have?
Continuum Wealth Advisors has 5 investment adviser representatives registered with state securities authorities, out of 7 employees, and 5 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 1 employee is a licensed insurance agent.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Continuum Wealth Advisors invest in?
At the end of its last fiscal year, Continuum Wealth Advisors’ separately managed accounts held 88% registered funds (mutual funds, ETFs, BDCs), 7% exchange-traded equities, 3% cash and equivalents and 2% pooled vehicles (private funds and similar).
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Continuum Wealth Advisors?
Continuum Wealth Advisors’ direct owners are Timothy Smith (50% to 75%) and David Rath (25% to 50%).
Source: Form ADV Part 1A, Schedules A and B, filed 15 July 2026
How does Continuum Wealth Advisors get paid?
Continuum Wealth Advisors 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 Continuum Wealth Advisors?
Continuum Wealth Advisors’ main office is at 18 Division St., Suite 207b, Saratoga Springs, NY 12866. Its phone number is 518-583-4050. Its website is continuumwealthadvisors.com.