Woodward Financial Advisors provides financial planning, portfolio management for individuals and small businesses, educational seminars, education planning, insurance, and philanthropic planning. Financial planning was provided to 101–250 clients last fiscal year.
Woodward Financial Advisors reports 203 clients. They include 197 high-net-worth individuals and 6 individual clients. Of its assets, 100.0% ($641M across 1,084 accounts) are managed with discretion. Of its clients, 2% are outside the U.S.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 3% | <1% |
| High-net-worth individuals | 97% | 100% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 6 | $2.5M | 0.4% | $417K |
| High-net-worth individuals | 197 | $639M | 99.6% | $3.24M |
| Total | 203 | $641M | 100% | $3.16M |
- Clients
- 6
- Regulatory AUM
- $2.5M
- AUM share
- 0.4%
- Avg. per client
- $417K
- Clients
- 197
- Regulatory AUM
- $639M
- AUM share
- 99.6%
- Avg. per client
- $3.24M
Total
- Clients
- 203
- Regulatory AUM
- $641M
- AUM share
- 100%
- Avg. per client
- $3.16M
- Clients outside the U.S.
- 2%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 101–250
Woodward Financial Advisors charges 0.25%–1.00% a year for its Wealth Management Services. The fee is billed in advance and has a $10,000 annual minimum. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Educational Seminars
- Educational seminars are billed hourly at $250 to $300 per hour under an engagement letter.
James Miller owns 75% or more of Woodward Financial Advisors. The leadership team of Woodward Financial Advisors includes President James Miller. It has 10 employees, 7 of them in advisory roles.
Leadership
James MillerPresident/Chief Compliance Officer
Investment adviser representatives
6 representatives listed in the SEC register as of 9 October 2026.
Staff
- 10 employees
- 7 in advisory functions
- 6 state-registered reps
- Owns 75% or more of Woodward Financial Advisors, Inc.
James Miller
Control person · since May 2009
Woodward Financial Advisors’ regulatory assets grew from $471M (April 2021) to $641M (April 2026); clients rose from 180 to 203 and employees from 8 to 10.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| April 2026 | $641M | 203 | 10 | 1 |
| May 2025 | $574M | 196 | 11 | 1 |
| March 2024 | $511M | 185 | 6 | 1 |
| March 2023 | $455M | 179 | 6 | 1 |
| April 2022 | $511M | 180 | 11 | 1 |
| April 2021 | $471M | 180 | 8 | 1 |
Besides its headquarters, Woodward Financial Advisors has 0 offices, with 1 listed address in North Carolina.
North Carolina · 1 listed address
- 101 Glen Lennox Drive, Suite 110, Chapel HillHQ
Contact and registration details
- Legal name
- Woodward Financial Advisors, Inc.
- Headquarters
- 101 Glen Lennox Drive, Suite 110, Chapel Hill, NC 27517
- Website
- woodwardadvisors.com
- Phone
- 919-929-2495
- @3268598
- SEC file
- 801-70279
- Founded
- 1995
- Structure
- North Carolina other (specify)
- Fiscal year end
- December
Woodward Financial Advisors uses Charles Schwab ($612M) as custodian for its separately managed accounts. Woodward Financial Advisors does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $612M100%
At year end, Woodward Financial Advisors’ separately managed accounts were mostly in funds (96%). Its reported 13F holdings for the quarter ended 30 June 2026 total $299M across 66 positions; the largest are iShares TR (14.8%), Dimensional ETF Trust (13.7%) and Dimensional ETF Trust (12.0%).
What the accounts hold
- Funds96%
- Registered funds95%
- Pooled vehicles1%
- Bonds3%
- U.S. government and agency bonds2%
- Investment grade corporate bonds1%
- Cash1%
Reported 13F holdings
- $299M
- Reported 13F value
- 66
- Positions
- 78.7%
- In the 10 largest
- —
- Value vs. prior quarter
- iShares TR · Core S&P500 ETF14.8%
- Dimensional ETF Trust · Shor Dur Fix ETF13.7%
- Dimensional ETF Trust · US High Prof ETF12.0%
- Dimensional ETF Trust · Intl Core Equity9.6%
- Dimensional ETF Trust · Emerging Mkts CO7.7%
- Vanguard Malvern Fds · Strm Infproidx7.3%
- Dimensional ETF Trust · US Small Cap ETF4.5%
- Vanguard Index Fds · Value ETF4.2%
- Dimensional ETF Trust · US Mktwide Value2.8%
- iShares TR · Rus 1000 ETF2.2%
Together, the ten largest are 78.7% of reported value.
How many clients does Woodward Financial Advisors have?
Woodward Financial Advisors has 203 clients and manages $641 million for them, as of April 2026. They include 197 high-net-worth individuals and 6 individual clients.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 30 April 2026
What services does Woodward Financial Advisors offer?
Woodward Financial Advisors provides financial planning, portfolio management for individuals and small businesses, educational seminars, education planning, insurance, and philanthropic planning.
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 Woodward Financial Advisors charge?
Woodward Financial Advisors charges 0.25%–1.00% a year for its Wealth Management Services. The fee is billed in advance and has a $10,000 annual minimum.
Source: ADV PART 2, filed 30 April 2026
Which custodians does Woodward Financial Advisors use?
Woodward Financial Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $612M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 30 April 2026
How many financial advisors does Woodward Financial Advisors have?
Woodward Financial Advisors has 6 investment adviser representatives registered with state securities authorities, out of 10 employees, and 7 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 Woodward Financial Advisors invest in?
At the end of its last fiscal year, Woodward Financial Advisors’ separately managed accounts held 95% registered funds (mutual funds, ETFs, BDCs), 2% U.S. government and agency bonds, 1% investment grade corporate bonds, 1% pooled vehicles (private funds and similar) and 1% 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 Woodward Financial Advisors?
Woodward Financial Advisors’ direct owner is James Miller (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 30 April 2026
How does Woodward Financial Advisors get paid?
Woodward Financial Advisors 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
Is Woodward Financial Advisors registered with the SEC?
Yes, Woodward Financial Advisors has been registered with the SEC as an investment adviser since 8 June 2009. Its CRD number is 150641 and its SEC file number is 801-70279.
Source: Form ADV Part 1A, Item 1, filed 30 April 2026; IAPD firm record
How do I contact Woodward Financial Advisors?
Woodward Financial Advisors’ main office is at 101 Glen Lennox Drive, Suite 110, Chapel Hill, NC 27517. Its phone number is 919-929-2495. Its website is woodwardadvisors.com.