Joel Adams and Associates provides financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other managers, education planning, and insurance. Financial planning was provided to 101–250 clients last fiscal year.
Joel Adams and Associates reports 284 clients. They include 233 individual clients, 44 high-net-worth individuals and 7 charitable organizations. Of its assets, 100.0% ($306M across 1,452 accounts) are managed with discretion. A wrap fee program the firm both sponsors and manages holds $306M.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 82% | 31% |
| High-net-worth individuals | 15% | 59% |
| Pension and profit-sharing plans | Fewer than 5 | <1% |
| Charitable organizations | 2% | 10% |
| Corporations and other businesses | Fewer than 5 | <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) | 233 | $93.8M | 30.7% | $402K |
| High-net-worth individuals | 44 | $179M | 58.6% | $4.07M |
| Pension and profit-sharing plans | Fewer than 5 | $2.44M | 0.8% | — |
| Charitable organizations | 7 | $29.2M | 9.5% | $4.17M |
| Corporations and other businesses | Fewer than 5 | $997K | 0.3% | — |
| Total | 284 | $306M | 100% | — |
- Clients
- 233
- Regulatory AUM
- $93.8M
- AUM share
- 30.7%
- Avg. per client
- $402K
- Clients
- 44
- Regulatory AUM
- $179M
- AUM share
- 58.6%
- Avg. per client
- $4.07M
- Clients
- Fewer than 5
- Regulatory AUM
- $2.44M
- AUM share
- 0.8%
- Avg. per client
- —
- Clients
- 7
- Regulatory AUM
- $29.2M
- AUM share
- 9.5%
- Avg. per client
- $4.17M
- Clients
- Fewer than 5
- Regulatory AUM
- $997K
- AUM share
- 0.3%
- Avg. per client
- —
Total
- Clients
- 284
- Regulatory AUM
- $306M
- 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
- 101–250
Joel Adams and Associates charges 0.75%–1.25% 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
- Hourly fees of $200 to $500 an hour, or a fixed fee negotiated from the expected hours; up to 50% of the expected fee may be invoiced on signing.
Bray Creech owns 50% to 75% of Joel Adams and Associates. The leadership team of Joel Adams and Associates includes Chief Compliance Officer Bray Creech. It has 3 employees, 2 of them in advisory roles.
Leadership
- Bray CreechPrincipal and Chief Compliance Officer
- Chad StorckPrincipal
Investment adviser representatives
3 representatives listed in the SEC register as of 9 October 2026.
- Bray Creech
- Jessie Marie Goodwin
- Chad Thomas Storck
Staff
- 3 employees
- 2 in advisory functions
- 2 state-registered reps
- 1 insurance agent
- Owns 50% to 75% of Joel Adams and Associates Inc.
Bray Creech
Control person · since March 2022
- Owns 50% to 75% of Joel Adams and Associates Inc.
Chad Storck
Control person · since December 2022
Joel Adams and Associates’ regulatory assets grew Infinity× from $0 (May 2022) to $306M (February 2026); employees fell from 4 to 3.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| February 2026 | $306M | 284 | 3 | 2 |
| January 2025 | $282M | 274 | 3 | 2 |
| April 2024 | $244M | 258 | 3 | 2 |
| January 2023 | $207M | 274 | 3 | 1 |
| May 2022 | $0 | 0 | 4 | 1 |
Besides its headquarters, Joel Adams and Associates has 1 office, with 2 listed addresses in New York and North Carolina.
New York · 1 listed address
- 33 W. 60th St., New York
North Carolina · 1 listed address
- 545 Merrimon Avenue, AshevilleHQ
Contact and registration details
- Legal name
- Joel Adams and Associates Inc.
- Headquarters
- 545 Merrimon Avenue, Asheville, NC 28804
- Website
- joeladamsasheville.com
- Phone
- 828-251-9700
- SEC file
- 801-123660
- Founded
- 1994
- Structure
- North Carolina corporation
- Fiscal year end
- December
Joel Adams and Associates uses Raymond James ($306M) as custodian for its separately managed accounts. Joel Adams and Associates has custody of $2.76M in client assets for 10 clients.
- Raymond JamesRaymond James & Associates, Inc. · St. Petersburg, FL · $306M100%
At year end, Joel Adams and Associates’ separately managed accounts were largely in stocks (44%) and funds (37%).
What the accounts hold
- Stocks44%
- Funds37%
- Bonds1%
- Cash18%
How many clients does Joel Adams and Associates have?
Joel Adams and Associates has 284 clients and manages $306 million for them, as of February 2026. They include 233 individual clients, 44 high-net-worth individuals and 7 charitable organizations.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 26 February 2026
What services does Joel Adams and Associates offer?
Joel Adams and Associates provides financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other managers, education planning, and insurance.
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 Joel Adams and Associates charge?
Joel Adams and Associates charges 0.75%–1.25% a year for its Wealth Management Services. The fee is billed in advance and is negotiable.
Source: ADAMS AND ASSOCIATES DISCLOSURE BROCHURE AND BROCHURE SUPPLEMENTS, filed 26 February 2026
Which custodians does Joel Adams and Associates use?
Joel Adams and Associates’ separately managed account assets are held at Raymond James & Associates, Inc. (St. Petersburg, FL), with $306M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 26 February 2026
How many financial advisors does Joel Adams and Associates have?
Joel Adams and Associates has 2 investment adviser representatives registered with state securities authorities, out of 3 employees, and 2 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 Joel Adams and Associates invest in?
At the end of its last fiscal year, Joel Adams and Associates’ separately managed accounts held 44% exchange-traded equities, 37% registered funds (mutual funds, ETFs, BDCs), 18% 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 Joel Adams and Associates?
Joel Adams and Associates’ direct owners are Bray Creech (50% to 75%) and Chad Storck (50% to 75%).
Source: Form ADV Part 1A, Schedules A and B, filed 26 February 2026
How does Joel Adams and Associates get paid?
Joel Adams and Associates 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 Joel Adams and Associates?
Joel Adams and Associates’ main office is at 545 Merrimon Avenue, Asheville, NC 28804. Its phone number is 828-251-9700. Its website is joeladamsasheville.com.