Solitude Financial Services provides financial planning and portfolio management for individuals and small businesses. Financial planning was provided to 101–250 clients last fiscal year.
Solitude Financial Services reports 164 clients. They include 133 high-net-worth individuals and 31 individual clients. Of its assets, 99.8% ($363M across 751 accounts) are managed with discretion; $860K across 36 accounts are not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 19% | 2% |
| High-net-worth individuals | 81% | 98% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 31 | $7.8M | 2.1% | $252K |
| High-net-worth individuals | 133 | $356M | 97.9% | $2.67M |
| Total | 164 | $364M | 100% | $2.22M |
- Clients
- 31
- Regulatory AUM
- $7.8M
- AUM share
- 2.1%
- Avg. per client
- $252K
- Clients
- 133
- Regulatory AUM
- $356M
- AUM share
- 97.9%
- Avg. per client
- $2.67M
Total
- Clients
- 164
- Regulatory AUM
- $364M
- AUM share
- 100%
- Avg. per client
- $2.22M
- 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
Solitude Financial Services charges 0.70%–1.00% a year for its Financial Life Management. Each asset band is charged at its own rate. The fee is billed in arrears and is negotiable. The brochure also prices one other service, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$1M | 1.00% |
| $1M–$2M | 0.80% |
| $2M and above | 0.70% |
Fee details and sources
Other fees
- Hourly Consulting
- Hourly consulting is billed at $250 an hour, in each hour or 30-minute portion thereof.
Gene Kowalski owns 75% or more of Solitude Financial Services. The leadership team of Solitude Financial Services includes Chief Compliance Officer Ty Bilderback. It has 8 employees, 6 of them in advisory roles.
Leadership
- Ty BilderbackWealth Advisor & Chief Compliance Officer
- Jennifer Kidd FinneranChief of Staff
- Gene KowalskiPrincipal, Wealth Advisor
- Lindlee MilesChief Technology Officer
- Andrew St. JeanWealth Advisor
- Ashley ViceWealth Advisor
Investment adviser representatives
6 representatives listed in the SEC register as of 9 October 2026.
- Ty W Bilderback
- Jacob Levi Fleming
- Gene Michael Kowalski
- Andrew J St.Jean
- Ashley Jonathon Vice
- Michael Whitney
Staff
- 8 employees
- 6 in advisory functions
- 6 state-registered reps
- Owns 75% or more of Solitude Financial Services, Inc.
Gene Kowalski
Control person · since June 2009
- Owns 5% to 10% of Solitude Financial Services, Inc.
Lindlee Miles
since November 2014
- Owns 5% to 10% of Solitude Financial Services, Inc.
Ashley Vice
Control person · since October 2021
- Owns 5% to 10% of Solitude Financial Services, Inc.
Ty Bilderback
since August 2024
Solitude Financial Services’ regulatory assets grew 2.4× from $154M (January 2021) to $364M (September 2026); clients rose from 98 to 164 and employees from 4 to 8.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| September 2026 | $364M | 164 | 8 | 2 |
| February 2025 | $284M | 146 | 7 | 1 |
| May 2024 | $233M | 132 | 6 | 1 |
| March 2023 | $188M | 130 | 7 | 2 |
| March 2022 | $191M | 114 | 6 | 3 |
| January 2021 | $154M | 98 | 4 | 1 |
Besides its headquarters, Solitude Financial Services has 1 office, with 2 listed addresses in Colorado and Virginia.
Colorado · 1 listed address
- 3401 Quebec Street, Denver
Virginia · 1 listed address
- 236 East High Street, CharlottesvilleHQ
Contact and registration details
- Legal name
- Solitude Financial Services, Inc.
- Headquarters
- 236 East High Street, Charlottesville, VA 22902
- Website
- solitudefinancial.com
- Phone
- 434-218-2201
- @solitude-financial-llc
- SEC file
- 801-117235
- Founded
- 2006
- Structure
- Virginia corporation
- Fiscal year end
- December
Solitude Financial Services uses Charles Schwab ($364M) as custodian for its separately managed accounts. Solitude Financial Services has custody of $364M in client assets for 164 clients.
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $364M100%
At year end, Solitude Financial Services’ separately managed accounts were mostly in funds (54%) and stocks (32%). Its reported 13F holdings for the quarter ended 30 June 2026 total $361M across 42 positions; the largest are SPDR Series Trust (22.4%), Berkshire Hathaway Inc. Del (18.4%) and Schwab Strategic TR (11.0%).
What the accounts hold
- Stocks32%
- Funds54%
- Cash14%
Reported 13F holdings
- $361M
- Reported 13F value
- 42
- Positions
- 84.6%
- In the 10 largest
- +6.8%
- Value vs. prior quarter
- SPDR Series Trust · ST Str P500etf22.4%
- Berkshire Hathaway Inc. Del · CL B New18.4%
- Schwab Strategic TR · Fundamental US S11.0%
- Schwab Strategic TR · Fundamental Intl8.4%
- Schwab Strategic TR · Fundamental US L8.1%
- First TR Exchange-traded FD · FT Vest S&P 5004.0%
- Select Sector SPDR TR · ST Str Energ ETF3.5%
- Invesco Exch Traded FD TR II · Nasdaq 100 ETF3.3%
- First TR Exchng Traded FD VI · FT Ladd Buff ETF2.9%
- First TR Exchange Trad FD VI · Fst TR Glb FD2.5%
Together, the ten largest are 84.6% of reported value.
How many clients does Solitude Financial Services have?
Solitude Financial Services has 164 clients and manages $364 million for them, as of September 2026. They include 133 high-net-worth individuals and 31 individual clients.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 10 September 2026
What services does Solitude Financial Services offer?
Solitude Financial Services 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
How much does Solitude Financial Services charge?
Solitude Financial Services charges 0.70%–1.00% a year for its Financial Life Management. Each asset band is charged at its own rate. The fee is billed in arrears and is negotiable.
Which custodians does Solitude Financial Services use?
Solitude Financial Services’ separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $364M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 10 September 2026
How many financial advisors does Solitude Financial Services have?
Solitude Financial Services has 6 investment adviser representatives registered with state securities authorities, out of 8 employees, and 6 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 Solitude Financial Services invest in?
At the end of its last fiscal year, Solitude Financial Services’ separately managed accounts held 54% registered funds (mutual funds, ETFs, BDCs), 32% exchange-traded equities and 14% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Solitude Financial Services?
Solitude Financial Services’ direct owners are Gene Kowalski (75% or more), Lindlee Miles (5% to 10%), Ashley Vice (5% to 10%) and Ty Bilderback (5% to 10%).
Source: Form ADV Part 1A, Schedules A and B, filed 10 September 2026
How does Solitude Financial Services get paid?
Solitude Financial Services is paid through a percentage of assets under management and hourly charges. 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 Solitude Financial Services registered with the SEC?
Yes, Solitude Financial Services has been registered with the SEC as an investment adviser since 23 August 2019. Its CRD number is 150348 and its SEC file number is 801-117235.
Source: Form ADV Part 1A, Item 1, filed 10 September 2026; IAPD firm record
How do I contact Solitude Financial Services?
Solitude Financial Services’ main office is at 236 East High Street, Charlottesville, VA 22902. Its phone number is 434-218-2201. Its website is solitudefinancial.com.