{"url":"https://nivawealth.com/firms/solitude-financial-services-150348","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/150348","regulatoryAum":363512536,"crd":"150348","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"3113353","suffix":null,"lastName":"Bilderback","firstName":"Ty","middleName":"W"},{"crd":"6470155","suffix":null,"lastName":"Fleming","firstName":"Jacob","middleName":"Levi"},{"crd":"5665299","suffix":null,"lastName":"KOWALSKI","firstName":"GENE","middleName":"MICHAEL"},{"crd":"6666984","suffix":null,"lastName":"St.Jean","firstName":"Andrew","middleName":"J"},{"crd":"5024371","suffix":null,"lastName":"VICE","firstName":"ASHLEY","middleName":"JONATHON"},{"crd":"7251258","suffix":null,"lastName":"Whitney","firstName":"Michael","middleName":null}],"total":6,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2021-01-19","regulatoryAum":153645219,"clients":98,"employees":4,"offices":1},{"filedOn":"2022-03-28","regulatoryAum":190863604,"clients":114,"employees":6,"offices":3},{"filedOn":"2023-03-23","regulatoryAum":187741038,"clients":130,"employees":7,"offices":2},{"filedOn":"2024-05-08","regulatoryAum":233068174,"clients":132,"employees":6,"offices":1},{"filedOn":"2025-02-12","regulatoryAum":283963291,"clients":146,"employees":7,"offices":1},{"filedOn":"2026-09-10","regulatoryAum":363512536,"clients":164,"employees":8,"offices":2}],"secFileNumber":"801-117235","legalName":"Solitude 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custody of $364M in client assets for 164 clients.","leadership":[{"name":"Ty Bilderback","title":"Wealth Advisor & Chief Compliance Officer","crd":"3113353"},{"name":"Jennifer Kidd Finneran","title":"Chief of Staff","crd":"7500511"},{"name":"Gene Kowalski","title":"Principal, Wealth Advisor","crd":"5665299"},{"name":"Lindlee Miles","title":"Chief Technology Officer","crd":"6461739"},{"name":"Andrew St. Jean","title":"Wealth Advisor","crd":"6666984"},{"name":"Ashley Vice","title":"Wealth Advisor","crd":"5024371"}],"ownership":[{"label":"Gene Kowalski","detail":"Principal, wealth advisor in the 75% or more ownership band and a control person, since June 2009."},{"label":"Lindlee Miles","detail":"Chief technology officer in the 5% to 10% ownership band, since November 2014."},{"label":"Ashley Vice","detail":"Wealth advisor in the 5% to 10% ownership band and a control person, since October 2021."},{"label":"Ty Bilderback","detail":"Wealth advisor & chief compliance officer in the 5% to 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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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Solitude Financial Services offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Solitude Financial Services charge?","answer":"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.","source":"FORM ADV PART 2A, filed 9 May 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Solitude Financial Services use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Solitude Financial Services have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Solitude Financial Services invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Solitude Financial Services?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Solitude Financial Services get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Is Solitude Financial Services registered with the SEC?","answer":"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","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Solitude Financial Services?","answer":"Solitude Financial Services’ main office is at 236 East High Street, Charlottesville, VA 22902. Its phone number is 434-218-2201. 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Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}