Farrow Financial provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, estate planning, insurance, retirement plan services, and tax planning. Financial planning was provided to 1–10 clients last fiscal year.
Farrow Financial reports 195 clients. They include 99 high-net-worth individuals, 95 individual clients and 1 charitable organization. Of its assets, 100.0% ($280M across 573 accounts) are managed with discretion. Of its clients, 2% are outside the U.S. It advised 1 client without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 49% | 10% |
| High-net-worth individuals | 51% | 90% |
| Charitable organizations | <1% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 95 | $27.4M | 9.8% | $289K |
| High-net-worth individuals | 99 | $253M | 90.2% | $2.55M |
| Charitable organizations | Fewer than 5 | $60.6K | 0.0% | $60.6K |
| Total | 195 | $280M | 100% | — |
- Clients
- 95
- Regulatory AUM
- $27.4M
- AUM share
- 9.8%
- Avg. per client
- $289K
- Clients
- 99
- Regulatory AUM
- $253M
- AUM share
- 90.2%
- Avg. per client
- $2.55M
- Clients
- Fewer than 5
- Regulatory AUM
- $60.6K
- AUM share
- 0.0%
- Avg. per client
- $60.6K
Total
- Clients
- 195
- Regulatory AUM
- $280M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 2%
- Clients advised without assets under management last fiscal year
- 1
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 1–10
Farrow Financial charges 0.50%–1.00% a year for its Investment Management Services. Each asset band is charged at its own rate. The fee is billed in advance, is negotiable and requires an account of at least $1,000,000. The brochure also prices 2 other services, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$500K | 1.00% |
| $500K–$1M | 0.75% |
| $1M and above | 0.50% |
Fee details and sources
Other fees
- Consulting Services
- Consulting fees are negotiated case by case, billed at $100-$300 per hour or as a flat annual fee payable quarterly in advance.
- Financial Planning
- Most plans cost $2,000-$5,000 for the initial preparation and $500-$1,000 for reviews and updates; waived for investment management clients.
Jody White owns 75% or more of Farrow Financial. Jody White is CEO; the leadership team includes President Jody White and Chief Compliance Officer Deborah Ackerman. It has 4 employees, 1 of them in advisory roles.
Leadership
- Jody WhiteChief Executive Officer
- Jody WhitePresident/Owner
- Jody WhiteChief Financial Officer
- Deborah AckermanChief Compliance Officer
- Jody WhiteChief Operations Officer
- Jody WhiteChief Legal Officer
Investment adviser representatives
1 representatives listed in the SEC register as of 9 October 2026.
- Jody Lee White
Staff
- 4 employees
- 1 in advisory functions
- 1 state-registered rep
- Owns 75% or more of Farrow Financial Inc
Jody White
Control person · since July 2005
Farrow Financial’s regulatory assets grew from $203M (March 2021) to $280M (May 2026); clients rose from 172 to 195 and employees fell from 5 to 4.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| May 2026 | $280M | 195 | 4 | 4 |
| July 2025 | $242M | 188 | 4 | 4 |
| February 2024 | $228M | 179 | 4 | 1 |
| March 2023 | $195M | 174 | 5 | 1 |
| March 2022 | $207M | 173 | 5 | 1 |
| March 2021 | $203M | 172 | 5 | 1 |
Besides its headquarters, Farrow Financial has 3 offices (3 private residences, listed without an address), with 1 listed address in Vermont.
Vermont · 1 listed address
- 1 Kennedy Drive Suite U8, South BurlingtonHQ
Contact and registration details
- Legal name
- Farrow Financial Inc
- Headquarters
- 1 Kennedy Drive Suite U8, South Burlington, VT 05403
- Website
- farrowfinancial.com
- Phone
- 802-728-4287
- SEC file
- 801-15865
- Founded
- 1981
- Structure
- Vermont corporation
- Fiscal year end
- December
Farrow Financial uses Charles Schwab ($265M, 95%) and Pershing ($15.1M, 5%) as custodians for its separately managed accounts. Farrow Financial has custody of $88.1M in client assets for 83 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Omaha, NE · $265M95%
- PershingPershing Advisor Solutions LLC · Jersey City, NJ · $15.1M5%
At year end, Farrow Financial’s separately managed accounts were largely in funds (38%) and stocks (26%). Its reported 13F holdings for the quarter ended 30 June 2026 total $187M across 55 positions; the largest are iShares TR (7.6%), iShares TR (7.1%) and iShares TR (6.3%).
What the accounts hold
- Stocks26%
- Funds38%
- Pooled vehicles35%
- Registered funds3%
- Bonds19%
- U.S. government and agency bonds17%
- State and local bonds1%
- Investment grade corporate bonds1%
- Cash7%
- Other10%
- Certificates of deposit10%
Reported 13F holdings
- $187M
- Reported 13F value
- 55
- Positions
- 47.9%
- In the 10 largest
- +6.4%
- Value vs. prior quarter
- iShares TR · Esg Optimized7.6%
- iShares TR · Core S&P Ttl Stk7.1%
- iShares TR · MSCI Intl Vlu FT6.3%
- Vaneck ETF Trust · Mrngstr Wde Moat5.3%
- iShares TR · Ultra Short Dur4.5%
- Apple Inc.4.1%
- Schwab Strategic TR · Sht TM US Tres3.9%
- iShares TR · 0-3 Mth Treasury3.4%
- iShares TR · Core High DV ETF2.9%
- Amplify ETF TR · Cwp Enhanced Div2.9%
Together, the ten largest are 47.9% of reported value.
How many clients does Farrow Financial have?
Farrow Financial has 195 clients and manages $280 million for them, as of May 2026. They include 99 high-net-worth individuals, 95 individual clients and 1 charitable organization.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 28 May 2026
What services does Farrow Financial offer?
Farrow Financial provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, estate planning, insurance, retirement plan services, and tax planning.
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 Farrow Financial charge?
Farrow Financial charges 0.50%–1.00% a year for its Investment Management Services. Each asset band is charged at its own rate. The fee is billed in advance, is negotiable and requires an account of at least $1,000,000.
Source: FARROW FINANCIAL, INC. BROCHURE MAY 2026, filed 28 May 2026
Which custodians does Farrow Financial use?
Farrow Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (Omaha, NE), with $265M and Pershing Advisor Solutions LLC (Jersey City, NJ), with $15.1M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 28 May 2026
How many financial advisors does Farrow Financial have?
Farrow Financial has 1 investment adviser representative registered with state securities authorities, out of 4 employees, and 1 perform investment advisory functions. None are registered representatives of a broker-dealer or 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 Farrow Financial invest in?
At the end of its last fiscal year, Farrow Financial’s separately managed accounts held 35% pooled vehicles (private funds and similar), 26% exchange-traded equities, 17% U.S. government and agency bonds, 10% other, 7% cash and equivalents, 3% registered funds (mutual funds, ETFs, BDCs), 1% state and local bonds and 1% investment grade corporate bonds. The 10% other category is described as: Certificates of Deposit.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Does Farrow Financial have a minimum investment?
Yes, Farrow Financial’s minimum account size for its Investment Management Services is $1M.
Source: FARROW FINANCIAL, INC. BROCHURE MAY 2026, filed 28 May 2026
Who owns Farrow Financial?
Farrow Financial’s direct owner is Jody White (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 28 May 2026
How does Farrow Financial get paid?
Farrow Financial is paid through a percentage of assets under management, hourly charges 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 Farrow Financial?
Farrow Financial’s main office is at 1 Kennedy Drive Suite U8, South Burlington, VT 05403. Its phone number is 802-728-4287. Its website is farrowfinancial.com.