Financial Decisions, Llc
- Regulatory AUM
- $328M
- Discretionary
- $328M
- Clients
- 152
- Avg AUM / client
- $2.2M
- Accounts
- 512
- Employees
- 8
AUM over time
Reported AUM from Form ADV filings, plotted by filing date · as of Jun 18, 2026
Who they serve
| Client type | Clients | AUM | % of AUM |
|---|---|---|---|
| Individuals (non-high net worth) | 16 | $32.8M | 10.0% |
| High net worth individuals | 120 | $284M | 86.7% |
| Pension and profit sharing plans | 10 | $2.5M | 0.77% |
| Charitable organizations | 6 | $1.2M | 0.35% |
| Corporations and other businesses | Fewer than 5 clients | $7.1M | 2.18% |
People (4)
roster as of Jul 20, 2026| Name | Role / title | Credentials | With firm since | Ownership |
|---|---|---|---|---|
| Kenneth Gutwillig | Chief Compliance Officer/Partner/Chief Investment Officer | Mar 2016 (10y) | 50% – 75% | |
| Florence Myriam Dupont | Partner/Chief Financial Planner | CFP | Nov 2018 (8y) | 50% – 75% |
| Kimberly Ellen Ruscigno | Registered representative | Feb 2018 (8y) | ||
| Krystina Marie Brown | Registered representative | CFP | Mar 2021 (5y) |
Roster from the IAPD representatives feed; ownership and acquisition dates from Form ADV Schedule A/B. "Since" is the earliest filed registration or acquisition date.
Documents (1 archived)
| Form | Period | Size | |
|---|---|---|---|
| Form ADV (full filing) | 06/18/2026 | 1010 KB | View · PDF · Source ↗ |
Archived copies of the firm's regulatory filings, versioned by content hash.
Disciplinary disclosures
No disciplinary events reported on the firm's latest Form ADV filing.
How they charge
- • Percentage of assets under management
- • Hourly charges
- • Fixed fees
Services
- • Financial planning services
- • Portfolio management for individuals/small businesses
- • Portfolio management for businesses/institutional clients
- • Selection of other advisers
- • Other services
Custody
Reported custodians
- Charles Schwab & Co. $279M (85% of AUM) Jun 2026
- National Financial Services (Fidelity) $49.1M (15% of AUM) Jun 2026
Amounts as reported in ADV Item 5.K.(3) (custodians holding 10%+ of SMA assets).
Firm reports having custody of client funds or securities (Item 9.A).
Source
All data on this page comes from this firm's Form ADV filings, reproduced without modification. Latest filing: Jun 18, 2026.
View current Form ADV (SEC/IAPD) ↗