Frederick Financial Consultants provides financial planning and portfolio management for individuals and small businesses. Financial planning was provided to 101–250 clients last fiscal year.
Frederick Financial Consultants reports 822 clients. They include 498 individual clients, 318 high-net-worth individuals, and 6 corporations and other businesses. Of its assets, 100.0% ($551M across 822 accounts) are managed with discretion. A wrap fee program the firm both sponsors and manages holds $551M. It advised 16 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 61% | 20% |
| High-net-worth individuals | 39% | 80% |
| Charitable organizations | Fewer than 5 | <1% |
| Corporations and other businesses | <1% | <1% |
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) | 498 | $110M | 20.0% | $221K |
| High-net-worth individuals | 318 | $439M | 79.7% | $1.38M |
| Charitable organizations | Fewer than 5 | $118K | 0.0% | — |
| Corporations and other businesses | 6 | $1.81M | 0.3% | $302K |
| Total | 822 | $551M | 100% | — |
- Clients
- 498
- Regulatory AUM
- $110M
- AUM share
- 20.0%
- Avg. per client
- $221K
- Clients
- 318
- Regulatory AUM
- $439M
- AUM share
- 79.7%
- Avg. per client
- $1.38M
- Clients
- Fewer than 5
- Regulatory AUM
- $118K
- AUM share
- 0.0%
- Avg. per client
- —
- Clients
- 6
- Regulatory AUM
- $1.81M
- AUM share
- 0.3%
- Avg. per client
- $302K
Total
- Clients
- 822
- Regulatory AUM
- $551M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 16
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 101–250
Frederick Financial Consultants is paid through a percentage of assets under management, hourly charges 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 2 other services, listed under fee details.
Fee details and sources
Other fees
- Financial Planning and Consulting
- Billed hourly up to $400, as a flat fee of $500 to $10,000, or as an asset-based fee up to 0.50%; recurring fees are capped at $10,000.
- Retirement Plan Consulting
- Fee is a percentage of plan assets under management, not to exceed 1.00%, set case by case in the signed consulting agreement.
Diversified Business Associates LLC owns 25% to 50% of Frederick Financial Consultants and is in turn owned by Chandru Ramachandran (75% or more). The leadership team of Frederick Financial Consultants includes Chief Compliance Officer Brian Runkles. It has 7 employees, 6 of them in advisory roles.
Leadership
- Brian RunklesChief Compliance Officer and Managing Member
- Chandru RamachandranManaging Member
- Brian WilliamsonManaging Member
Investment adviser representatives
8 representatives listed in the SEC register as of 9 October 2026.
- Sarah Catherine Hofman
- Ethan Holobinko
- Katelyn Elizabeth Kantruss
- Angel Luis Martinez
- Chandru Surendran Ramachandran
- Stephanie Lynn Ramachandran
- Brian Leigh Runkles
- Brian A Williamson
Staff
- 7 employees
- 6 in advisory functions
- 7 state-registered reps
- 4 broker-dealer reps
- 4 insurance agents
- Owns 25% to 50% of Frederick Financial Consultants, LLC
Diversified Business Associates LLC
Control person · since December 2021
- Owns 75% or more of Diversified Business Associates LLC
Chandru Ramachandran
Control person · since December 2021
- Owns 25% to 50% of Frederick Financial Consultants, LLC
Diversified Business Associates
Control person · since December 2021
- Owns 25% to 50% of Frederick Financial Consultants, LLC
Brian L Runkles, Inc
Control person · since December 2021
- Owns 75% or more of Brian L Runkles, Inc
Brian Runkles
Control person · since December 2021
- Owns 10% to 25% of Frederick Financial Consultants, LLC
Williamson Wealth Advisors LLC
Control person · since December 2021
- Owns 75% or more of Williamson Wealth Advisors LLC
Brian Williamson
Control person · since December 2021
Frederick Financial Consultants’ regulatory assets grew Infinity× from $0 (May 2021) to $551M (March 2026); employees rose from 5 to 7.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $551M | 822 | 7 | 1 |
| March 2025 | $471M | 762 | 7 | 1 |
| July 2024 | $390M | 726 | 7 | 1 |
| March 2023 | $335M | 808 | 7 | 1 |
| March 2022 | $348M | 728 | 5 | 1 |
| May 2021 | $0 | 0 | 5 | 1 |
Besides its headquarters, Frederick Financial Consultants has 0 offices, with 1 listed address in Maryland.
Maryland · 1 listed address
- 7101 Guilford Drive,, Suite 104, FrederickHQ
Other business names
Frederick Financial Consultants has reported 1 other business name to the SEC.
- Veridian Capital Partners
Contact and registration details
- Legal name
- Frederick Financial Consultants, LLC
- Headquarters
- 7101 Guilford Drive,, Suite 104, Frederick, MD 21704
- Website
- vcpwealth.com
- Phone
- 301-228-9300
- SEC file
- 801-121334
- Structure
- Delaware LLC
- Fiscal year end
- December
Frederick Financial Consultants uses Fidelity ($447M, 81%) and Charles Schwab ($104M, 19%) as custodians for its separately managed accounts. Frederick Financial Consultants has custody of $290M in client assets for 753 clients.
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $104M19%
- FidelityFidelity Brokerage Services LLC · Smithfield, RI · $447M81%
At year end, Frederick Financial Consultants’ separately managed accounts were mostly in funds (53%) and stocks (33%). Its reported 13F holdings for the quarter ended 30 June 2026 total $236M across 121 positions; the largest are First TR Exchange Traded FD (7.2%), First TR Exchange Traded FD (7.0%) and SPDR Series Trust (6.8%).
What the accounts hold
- Stocks33%
- Funds53%
- Bonds4%
- Cash9%
- Other2%
- Derivatives1%
- Structured products1%
Reported 13F holdings
- $236M
- Reported 13F value
- 121
- Positions
- 54.3%
- In the 10 largest
- +17.3%
- Value vs. prior quarter
- First TR Exchange Traded FD · Rba Indl ETF7.2%
- First TR Exchange Traded FD · Dorsey Wrt 5 ETF7.0%
- SPDR Series Trust · SP Kensho Futr6.8%
- Federated Hermes ETF Trust · Mdt Small Cap6.2%
- Federated Hermes ETF Trust · Mdt Mar Neu ETF5.8%
- SPDR Series Trust · ST Str Dow REIT5.3%
- First TR Exchng Traded FD VI · FT Ladd Buff ETF4.9%
- iShares TR · Rus 1000 Grw ETF4.3%
- First TR Exchange Traded FD · Risng Divd Achiv4.2%
- Vanguard Specialized Funds · Div App ETF2.7%
Together, the ten largest are 54.3% of reported value.
How many clients does Frederick Financial Consultants have?
Frederick Financial Consultants has 822 clients and manages $551 million for them, as of March 2026. They include 498 individual clients, 318 high-net-worth individuals, and 6 corporations and other businesses.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 19 March 2026
What services does Frederick Financial Consultants offer?
Frederick Financial Consultants provides financial planning and portfolio management for individuals and small businesses.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
Which custodians does Frederick Financial Consultants use?
Frederick Financial Consultants’ separately managed account assets are held at Fidelity Brokerage Services LLC (Smithfield, RI), with $447M and Charles Schwab & Co., Inc. (San Francisco, CA), with $104M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 19 March 2026
How many financial advisors does Frederick Financial Consultants have?
Frederick Financial Consultants has 7 investment adviser representatives registered with state securities authorities, out of 7 employees, and 6 perform investment advisory functions. 4 employees are registered representatives of a broker-dealer and 4 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 Frederick Financial Consultants invest in?
At the end of its last fiscal year, Frederick Financial Consultants’ separately managed accounts held 53% registered funds (mutual funds, ETFs, BDCs), 33% exchange-traded equities, 9% cash and equivalents, 4% investment grade corporate bonds, 1% derivatives and 1% other. The 1% other category is described as: Structured Products.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Frederick Financial Consultants?
Frederick Financial Consultants is owned through holding companies by Brian Runkles, Brian Williamson and Chandru Ramachandran. Its direct owners are Diversified Business Associates LLC, Diversified Business Associates, Brian L Runkles, Inc and Williamson Wealth Advisors LLC, each holding 50% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 19 March 2026
How does Frederick Financial Consultants get paid?
Frederick Financial Consultants 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 Frederick Financial Consultants?
Frederick Financial Consultants’ main office is at 7101 Guilford Drive,, Suite 104, Frederick, MD 21704. Its phone number is 301-228-9300. Its website is vcpwealth.com.