Unify Financial provides financial planning and portfolio management for individuals and small businesses. Financial planning was provided to 1–10 clients last fiscal year.
Unify Financial reports 196 clients. They include 158 individual clients, 35 high-net-worth individuals, and 3 corporations and other businesses. Of its assets, 99.9% ($156M across 566 accounts) are managed with discretion; $198K across 1 account is not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 81% | 32% |
| High-net-worth individuals | 18% | 68% |
| Corporations and other businesses | 2% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 158 | $49.3M | 31.7% | $312K |
| High-net-worth individuals | 35 | $105M | 67.6% | $3.01M |
| Corporations and other businesses | 3 | $1.11M | 0.7% | $371K |
| Total | 196 | $156M | 100% | $795K |
- Clients
- 158
- Regulatory AUM
- $49.3M
- AUM share
- 31.7%
- Avg. per client
- $312K
- Clients
- 35
- Regulatory AUM
- $105M
- AUM share
- 67.6%
- Avg. per client
- $3.01M
- Clients
- 3
- Regulatory AUM
- $1.11M
- AUM share
- 0.7%
- Avg. per client
- $371K
Total
- Clients
- 196
- Regulatory AUM
- $156M
- AUM share
- 100%
- Avg. per client
- $795K
- 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
- 1–10
Unify Financial charges up to 1.25% a year for its Portfolio Management Fee. The fee is billed in arrears and is negotiable. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Financial planning
- Negotiable hourly rate not to exceed $200 per hour for the initial engagement; fees may be reduced or waived when Unify also provides portfolio management.
David Bennett owns 75% or more of Unify Financial. The leadership team of Unify Financial includes Chief Compliance Officer David Bennett. It has 3 employees, 2 of them in advisory roles.
Leadership
- David BennettManaging Member & Chief Compliance Officer
Investment adviser representatives
2 representatives listed in the SEC register as of 9 October 2026.
Staff
- 3 employees
- 2 in advisory functions
- 2 state-registered reps
- Owns 75% or more of Unify Financial LLC
David Bennett
Control person · since May 2023
Unify Financial’s regulatory assets grew from $124M (March 2025) to $156M (April 2026); clients fell from 247 to 196 and employees were 3 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| April 2026 | $156M | 196 | 3 | 1 |
| March 2025 | $124M | 247 | 3 | 1 |
Besides its headquarters, Unify Financial has 0 offices, with 1 listed address in Florida.
Florida · 1 listed address
- 1465 South Fort Harrison Avenue, Suite 201, ClearwaterHQ
Contact and registration details
- Legal name
- Unify Financial LLC
- Headquarters
- 1465 South Fort Harrison Avenue, Suite 201, Clearwater, FL 33756
- Website
- unifyfa.com
- Phone
- 727-306-0299
- @unify-financial-advisors
- SEC file
- 801-130951
- Structure
- Florida LLC
- Fiscal year end
- December
Unify Financial uses Charles Schwab ($153M) as custodian for its separately managed accounts. Unify Financial has custody of $11.4M in client assets for 5 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $153M100%
At year end, Unify Financial’s separately managed accounts were mostly in funds (50%) and stocks (25%). Its reported 13F holdings for the quarter ended 30 June 2026 total $108M across 90 positions; the largest are iShares TR (9.9%), Schwab Strategic TR (8.2%) and Vanguard Index Fds (6.4%).
What the accounts hold
- Stocks25%
- Funds50%
- Bonds20%
- U.S. government and agency bonds19%
- Investment grade corporate bonds1%
- Cash2%
- Other3%
- Cds and variable annuities3%
Reported 13F holdings
- $108M
- Reported 13F value
- 90
- Positions
- 46.5%
- In the 10 largest
- +12.4%
- Value vs. prior quarter
- iShares TR · Core S&P500 ETF9.9%
- Schwab Strategic TR · US Aggregate B8.2%
- Vanguard Index Fds · Total Stk Mkt6.4%
- Schwab Strategic TR · US Brd Mkt ETF5.2%
- Vanguard Scottsdale Fds · Mtg-bkd Secs ETF4.2%
- Schwab Strategic TR · Intl Eqty ETF3.2%
- iShares TR · S&P 500 Grwt ETF3.0%
- Vanguard Star Fds · VG TL Intl Stk F2.4%
- iShares Inc. · Core MSCI Emkt2.1%
- iShares TR · Eafe Grwth ETF1.9%
Together, the ten largest are 46.5% of reported value.
How many clients does Unify Financial have?
Unify Financial has 196 clients and manages $156 million for them, as of April 2026. They include 158 individual clients, 35 high-net-worth individuals, and 3 corporations and other businesses.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 16 April 2026
What services does Unify Financial offer?
Unify Financial 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 Unify Financial charge?
Unify Financial charges up to 1.25% a year for its Portfolio Management Fee. The fee is billed in arrears and is negotiable.
Source: DISCLOSURE BROCHURE & SUPPLEMENTS, filed 16 April 2026
Which custodians does Unify Financial use?
Unify Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $153M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 16 April 2026
How many financial advisors does Unify Financial have?
Unify Financial has 2 investment adviser representatives registered with state securities authorities, out of 3 employees, and 2 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 Unify Financial invest in?
At the end of its last fiscal year, Unify Financial’s separately managed accounts held 50% registered funds (mutual funds, ETFs, BDCs), 25% exchange-traded equities, 19% U.S. government and agency bonds, 3% other, 2% cash and equivalents and 1% investment grade corporate bonds. The 3% other category is described as: CDS and Variable Annuities.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Unify Financial?
Unify Financial’s direct owner is David Bennett (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 16 April 2026
How does Unify Financial get paid?
Unify Financial 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
How do I contact Unify Financial?
Unify Financial’s main office is at 1465 South Fort Harrison Avenue, Suite 201, Clearwater, FL 33756. Its phone number is 727-306-0299. Its website is unifyfa.com.