{"url":"https://nivawealth.com/firms/ydfs-128995","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/128995","regulatoryAum":128096359,"crd":"128995","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"4708300","suffix":null,"lastName":"FAWAZ","firstName":"HUSSIEN","middleName":"SAMUEL"}],"total":1,"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"},"secFileNumber":"801-134115","legalName":"Ydfs, Inc.","displayName":"Ydfs","slug":"ydfs-128995","website":"https://ydfs.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/128995/f2aecd4c490c0f28-r1.webp","tone":"light","width":245,"height":200,"sourceUrl":"https://www.ydfs.com/","sourceLabel":"Ydream Financial Services, Inc., website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Michigan corporation","fiscalYearEnd":"December","headquarters":{"street":"","city":"","state":"","stateName":"","country":"","postalCode":null},"tradeNames":["Y.d. 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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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Ydfs offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Ydfs use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Ydfs have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Ydfs invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Ydfs?","answer":"Ydfs’ direct owner is Hussien Fawaz (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 31 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Ydfs get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Ydfs?","answer":"Its phone number is 734-447-5305. Its website is ydfs.com.","source":"Form ADV Part 1A, Item 1.F, filed 31 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. 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."}