# Chad Holmes

> Chad Holmes is a fee-only financial advisor at Formula Wealth in Fairhope, Alabama, who holds the CFP and CPA credentials. Chad charges a flat fee or retainer and a one-time planning fee (1% a year on the first tier of assets managed) and focuses on family wealth transfer, retirement planning and estate & legacy planning.

Page: https://find.wellspent.co/advisors/chad-holmes/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Formula Wealth
- **Based in:** Fairhope, Alabama
- **Fee model:** Flat fee or retainer; One-time planning fee
- **Fees (firm's website):** 1% a year on the first tier of assets managed
- **Works virtually:** Yes (firm's website)
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $25M - $100M
- **Credentials:** CFP, CPA
- **Specialties:** Family wealth transfer, Retirement planning, Estate & legacy planning, Tax planning
- **Works with:** High earners, Ultra high net worth, HENRY (High Earners, Not Rich Yet), Multi-generational families, Early-career professionals, Pre-retirees
- **CRD:** 6637156 (https://adviserinfo.sec.gov/individual/summary/6637156)
- **SEC registration:** Investment adviser representative in AL, TN, TX
- **Exams passed:** Series 65 (2016)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** http://formulawealth.com

## About

The Life Audit is a one month engagement, including 3 deep dive meetings, all for a flat fee. No long term contracts, no sales pitch. For longer engagements, Chad runs a boutique financial planning firm out of Fairhope, AL, serving families nationwide as a flat fee financial advisor (no commissions or sales products), focusing on minimizing taxes and maximizing legacies from a multigenerational perspective. He is both a CPA and CFP® fiduciary. His latest accomplishment is becoming a bestselling author with his book, "The Inheritance Playbook – Helping Your Parents Pass the Torch, Not the Tax." As an expert in his field, his advice has been published in various outlets, including The Wall Street Journal, MarketWatch, and Yahoo Finance.

## Frequently asked questions

### Is Chad Holmes a fee-only financial advisor?

Yes. Chad Holmes is listed in the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Chad's firm.

### How does Chad charge for financial advice?

Chad charges a flat fee or retainer and a one-time planning fee.

### How much does Chad charge?

According to Formula Wealth's website, checked October 28, 2026: 1% a year on the first tier of assets managed.

### Does Chad work with clients virtually?

Yes. Formula Wealth says on its website that it works with clients remotely.

### Where is Chad Holmes based?

Chad Holmes is based in Fairhope, Alabama.

### What does Chad specialize in?

Chad's specialties include family wealth transfer, retirement planning, estate & legacy planning and tax planning. Chad works with high earners, ultra high net worth, HENRY (High Earners, Not Rich Yet), multi-generational families and early-career professionals.

### What credentials does Chad Holmes hold?

Chad Holmes holds the CFP and CPA credentials.

### Is Chad Holmes registered with the SEC?

Yes. Chad Holmes is registered as an investment adviser representative in AL, TN and TX (CRD 6637156), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Formula Wealth manage?

Formula Wealth reports $25M - $100M in assets under management.

### How do I contact Chad Holmes?

Through Chad's website, formulawealth.com.

## Sources

- XY Planning Network directory listing (https://www.xyplanningnetwork.com/find-an-advisor/chad-holmes-11017): XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://www.formulawealth.com/): specialties, clients served, and fees, checked October 28, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.