Financial Symmetry provides financial planning, portfolio management for individuals and small businesses, pension consulting, education planning, estate planning, insurance, tax planning, and tax preparation. Financial planning was provided to 500 clients last fiscal year.
Financial Symmetry reports 873 clients. They include 546 high-net-worth individuals, 326 individual clients and 1 charitable organization. Of its assets, 61.6% ($949M across 3,697 accounts) are managed with discretion; $592M across 1,673 accounts are not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 37% | 9% |
| High-net-worth individuals | 63% | 90% |
| Charitable organizations | <1% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 326 | $146M | 9.5% | $447K |
| High-net-worth individuals | 546 | $1.39B | 90.4% | $2.55M |
| Charitable organizations | Fewer than 5 | $1.59M | 0.1% | $1.59M |
| Total | 873 | $1.54B | 100% | — |
- Clients
- 326
- Regulatory AUM
- $146M
- AUM share
- 9.5%
- Avg. per client
- $447K
- Clients
- 546
- Regulatory AUM
- $1.39B
- AUM share
- 90.4%
- Avg. per client
- $2.55M
- Clients
- Fewer than 5
- Regulatory AUM
- $1.59M
- AUM share
- 0.1%
- Avg. per client
- $1.59M
Total
- Clients
- 873
- Regulatory AUM
- $1.54B
- AUM share
- 100%
- Avg. per client
- —
- 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
- 500
Financial Symmetry charges 0.40%–0.85% a year for its Wealth Management. Each asset band is charged at its own rate. The fee is billed in arrears, is negotiable and has a $4,800 annual minimum. The brochure also prices 3 other services, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$1M | 0.85% |
| $1M–$2M | 0.70% |
| $2M–$3M | 0.55% |
| $3M and above | 0.40% |
Fee details and sources
Other fees
- Emerging Wealth
- Emerging Wealth fees start at 0.85% of portfolio assets with no minimum fee, billed quarterly in arrears.
- Financial planning
- Financial planning typically costs $1,000 to $4,000 depending on complexity; hourly rates range from $40 to $300.
- Tax return preparation
- Tax return preparation is an additional cost, estimated for each client's personal situation.
The leadership team of Financial Symmetry includes President William Ramsay. It has 35 employees, 15 of them in advisory roles.
Leadership
- William RamsayPresident- Chief Compliance Officer
- Darian BillingsleyPrincipal
- Grayson BlazekPrincipal
- Niamh DouglasPrincipal
- Heather GudacSecretary, COO
- Meredith KeelPrincipal
- Angela Keeley-WhitePrincipal
- Garrick KingPrincipal
- Grace KvantasPrincipal
- Haley ModlinPrincipal
- Richelle MoratsPrincipal
- Christian PolancoPrincipal
- Colton TicklePrincipal
- Micheal SmithPrincipal
- Allison BergerPrincipal
- William HoltPrincipal
- Michael EklundPrincipal
- Cameron HendricksPrincipal
Investment adviser representatives
16 representatives listed in the SEC register as of 9 October 2026.
- Allison Marie Berger
- Darian Chantel Billingsley
- Grayson Edward Blazek
- Jade Michael Brookreson
- Niamh Douglas
- Michael Barry Eklund
- Cameron Hill Hendricks
- William Douglas Holt
- Garrick Michael King
- Grace Rooth Kvantas
- Haley Jo Modlin
- Christian Aurelio Polanco
- William Alexander Ramsay III
- Ella Rogers
- Micheal C Smith
- Colton Morgan Tickle
Staff
- 35 employees
- 15 in advisory functions
- 15 state-registered reps
- 1 soliciting firm
- Owns 10% to 25% of Financial Symmetry Incorporated
William Ramsay
Control person · since June 2001
- Owns 10% to 25% of Financial Symmetry Incorporated
Micheal Smith
Control person · since April 2006
- Owns 10% to 25% of Financial Symmetry Incorporated
Allison Berger
Control person · since January 2008
- Owns 10% to 25% of Financial Symmetry Incorporated
William Holt
Control person · since November 2009
- Owns 10% to 25% of Financial Symmetry Incorporated
Michael Eklund
Control person · since March 2015
- Owns 5% to 10% of Financial Symmetry Incorporated
Cameron Hendricks
Control person · since April 2016
Financial Symmetry’s regulatory assets grew 2.3× from $665M (April 2021) to $1.54B (May 2026); clients rose from 565 to 873 and employees from 24 to 35.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| May 2026 | $1.54B | 873 | 35 | 1 |
| March 2025 | $1.21B | 816 | 33 | 1 |
| March 2024 | $1B | 760 | 29 | 1 |
| June 2023 | $808M | 705 | 27 | 1 |
| March 2022 | $813M | 646 | 26 | 1 |
| April 2021 | $665M | 565 | 24 | 1 |
Besides its headquarters, Financial Symmetry has 0 offices, with 1 listed address in North Carolina.
North Carolina · 1 listed address
- 5438 Wade Park BLVD, Suite 310, RaleighHQ
Contact and registration details
- Legal name
- Financial Symmetry Incorporated
- Headquarters
- 5438 Wade Park BLVD, Suite 310, Raleigh, NC 27607
- Website
- financialsymmetry.com
- Phone
- 919-851-8200
- @financial-symmetry-inc-
- SEC file
- 801-62698
- Founded
- 2001
- Structure
- North Carolina corporation
- Fiscal year end
- December
Financial Symmetry uses Pershing ($470M) as custodian for its separately managed accounts. Financial Symmetry has custody of $6.72M in client assets for 193 clients.
- PershingPershing Advisor Solutions · Jersey City, NJ · $470M100%
At year end, Financial Symmetry’s separately managed accounts were mostly in funds (93%). Its reported 13F holdings for the quarter ended 30 June 2026 total $300M across 68 positions; the largest are Dfa ETF Tr US Core Equity 2 ETF (26.3%), Dfa World Ex U S Core Equity 2 ETF (19.7%) and Dfa Emerging Markets Core 2 ETF (5.7%).
What the accounts hold
- Stocks3%
- Funds93%
- Bonds1%
- Cash3%
Reported 13F holdings
- $300M
- Reported 13F value
- 68
- Positions
- 79.9%
- In the 10 largest
- +6.5%
- Value vs. prior quarter
- Dfa ETF Tr US Core Equity 2 ETF26.3%
- Dfa World Ex U S Core Equity 2 ETF19.7%
- Dfa Emerging Markets Core 2 ETF5.7%
- Dfa International Core Equity 2 ETF5.7%
- Dfa Core Fixed Income ETF4.9%
- Avantis International Equity ETF4.3%
- Avantis US Equity ETF3.5%
- Vanguard Total World Stock ETF3.4%
- Dfa Ultrashort Fixed Income ETF3.3%
- Dfa International Small Cap Value ETF3.1%
Together, the ten largest are 79.9% of reported value.
How many clients does Financial Symmetry have?
Financial Symmetry has 873 clients and manages $1.54 billion for them, as of May 2026. They include 546 high-net-worth individuals, 326 individual clients and 1 charitable organization.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 27 May 2026
What services does Financial Symmetry offer?
Financial Symmetry provides financial planning, portfolio management for individuals and small businesses, pension consulting, education planning, estate planning, insurance, tax planning, 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 Financial Symmetry charge?
Financial Symmetry charges 0.40%–0.85% a year for its Wealth Management. Each asset band is charged at its own rate. The fee is billed in arrears, is negotiable and has a $4,800 annual minimum.
Which custodians does Financial Symmetry use?
Financial Symmetry’s separately managed account assets are held at Pershing Advisor Solutions (Jersey City, NJ), with $470M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 27 May 2026
How many financial advisors does Financial Symmetry have?
Financial Symmetry has 15 investment adviser representatives registered with state securities authorities, out of 35 employees, and 15 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 Financial Symmetry invest in?
At the end of its last fiscal year, Financial Symmetry’s separately managed accounts held 93% registered funds (mutual funds, ETFs, BDCs), 3% exchange-traded equities, 3% cash and equivalents and 1% U.S. government and agency bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Financial Symmetry?
Financial Symmetry’s direct owners are William Ramsay, Micheal Smith, Allison Berger, William Holt, Michael Eklund and Cameron Hendricks, each holding 25% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 27 May 2026
How does Financial Symmetry get paid?
Financial Symmetry 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
Is Financial Symmetry registered with the SEC?
Yes, Financial Symmetry has been registered with the SEC as an investment adviser since 28 January 2004. Its CRD number is 118443 and its SEC file number is 801-62698.
Source: Form ADV Part 1A, Item 1, filed 27 May 2026; IAPD firm record
How do I contact Financial Symmetry?
Financial Symmetry’s main office is at 5438 Wade Park BLVD, Suite 310, Raleigh, NC 27607. Its phone number is 919-851-8200. Its website is financialsymmetry.com.