Ydfs provides financial planning and portfolio management for individuals and small businesses. Financial planning was provided to 51–100 clients last fiscal year.
Ydfs reports 125 clients. They include 79 individual clients and 46 high-net-worth individuals. Of its assets, 100.0% ($128M across 583 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 63% | 83% |
| High-net-worth individuals | 37% | 17% |
| Banking or thrift institutions | Fewer than 5 | 0% |
| Pension and profit-sharing plans | Fewer than 5 | 0% |
| Charitable organizations | Fewer than 5 | 0% |
| Other client typesState or municipal government entities; Other investment advisers; Insurance companies; Sovereign wealth funds and foreign official institutions; Corporations and other businesses | Not reported | 0% |
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) | 79 | $106M | 82.5% | $1.34M |
| High-net-worth individuals | 46 | $22.4M | 17.5% | $486K |
| Banking or thrift institutions | Fewer than 5 | $0 | 0.0% | — |
| Pension and profit-sharing plans | Fewer than 5 | $0 | 0.0% | — |
| Charitable organizations | Fewer than 5 | $0 | 0.0% | — |
| State or municipal government entities | Fewer than 5 | $0 | 0.0% | — |
| Other investment advisers | Fewer than 5 | $0 | 0.0% | — |
| Insurance companies | Fewer than 5 | $0 | 0.0% | — |
| Sovereign wealth funds and foreign official institutions | Fewer than 5 | $0 | 0.0% | — |
| Corporations and other businesses | Fewer than 5 | $0 | 0.0% | — |
| Total | 125 | $128M | 100% | — |
- Clients
- 79
- Regulatory AUM
- $106M
- AUM share
- 82.5%
- Avg. per client
- $1.34M
- Clients
- 46
- Regulatory AUM
- $22.4M
- AUM share
- 17.5%
- Avg. per client
- $486K
- Clients
- Fewer than 5
- Regulatory AUM
- $0
- AUM share
- 0.0%
- Avg. per client
- —
- Clients
- Fewer than 5
- Regulatory AUM
- $0
- AUM share
- 0.0%
- Avg. per client
- —
- Clients
- Fewer than 5
- Regulatory AUM
- $0
- AUM share
- 0.0%
- Avg. per client
- —
- Clients
- Fewer than 5
- Regulatory AUM
- $0
- AUM share
- 0.0%
- Avg. per client
- —
- Clients
- Fewer than 5
- Regulatory AUM
- $0
- AUM share
- 0.0%
- Avg. per client
- —
- Clients
- Fewer than 5
- Regulatory AUM
- $0
- AUM share
- 0.0%
- Avg. per client
- —
- Clients
- Fewer than 5
- Regulatory AUM
- $0
- AUM share
- 0.0%
- Avg. per client
- —
- Clients
- Fewer than 5
- Regulatory AUM
- $0
- AUM share
- 0.0%
- Avg. per client
- —
Total
- Clients
- 125
- Regulatory AUM
- $128M
- 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
- 51–100
Ydfs is paid through a percentage of assets under management, hourly charges and fixed fees (other than subscription fees). The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Personal Financial Planning
- Hourly rates range from $275 to $475, with a minimum engagement of $6,000 and a non-refundable minimum prepayment of $3,000.
Hussien Fawaz owns 75% or more of Ydfs. The leadership team of Ydfs includes President Hussien Fawaz. It has 1 employee.
Leadership
- Hussien FawazPresident, Chief Compliance Officer & Secretary
Investment adviser representatives
1 representatives listed in the SEC register as of 9 October 2026.
Staff
- 1 employee
- 1 in advisory functions
- 1 state-registered rep
- Owns 75% or more of Ydfs, Inc.
Hussien Fawaz
Control person · since January 2003
Besides its headquarters, Ydfs has 0 offices, with 1 listed address with no US state reported.
Other business names
Ydfs has reported 1 other business name to the SEC.
- Y.d. Financial Services
Contact and registration details
- Legal name
- Ydfs, Inc.
- Headquarters
- Not reported
- Website
- ydfs.com
- Phone
- 734-447-5305
- SEC file
- 801-134115
- Structure
- Michigan corporation
- Fiscal year end
- December
Ydfs uses Fidelity ($63.2M) as custodian for its separately managed accounts. Ydfs does not have custody of client assets.
- FidelityFidelity Brokerage Services LLC · Boston, MA · $63.2M100%
At year end, Ydfs’ separately managed accounts were mostly in stocks (80%) and cash (15%).
What the accounts hold
- Stocks80%
- Exchange-traded equities55%
- Non-exchange-traded equities25%
- Bonds5%
- Cash15%
How many clients does Ydfs have?
Ydfs has 125 clients and manages $128 million for them, as of March 2026. They include 79 individual clients and 46 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 31 March 2026
What services does Ydfs offer?
Ydfs 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
Which custodians does Ydfs use?
Ydfs’ separately managed account assets are held at Fidelity Brokerage Services LLC (Boston, MA), with $63.2M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 31 March 2026
How many financial advisors does Ydfs have?
Ydfs has 1 investment adviser representative registered with state securities authorities, out of 1 employees, and 1 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 Ydfs invest in?
At the end of its last fiscal year, Ydfs’ separately managed accounts held 55% exchange-traded equities, 25% non-exchange-traded equities, 15% cash and equivalents and 5% 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 Ydfs?
Ydfs’ direct owner is Hussien Fawaz (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 31 March 2026
How does Ydfs get paid?
Ydfs 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 Ydfs?
Its phone number is 734-447-5305. Its website is ydfs.com.