# Cole Williams

> Cole Williams is a fee-only financial advisor at Vessel Financial Planning in Plano, Texas, who holds the BFA, CFP and CIMA credentials. Cole charges a percentage of assets, an ongoing planning fee and a one-time planning fee (ongoing planning from $2,500 a year and one-time plans from $1,000) and focuses on equity compensation, retirement planning and tax planning.

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

## Facts

- **Firm:** Vessel Financial Planning
- **Based in:** Plano, Texas
- **Fee model:** Percentage of assets; Ongoing planning fee; One-time planning fee
- **Fees (firm's website):** ongoing planning from $2,500 a year; one-time plans from $1,000; 0.95% a year on the first tier of assets managed
- **Accepting new clients:** Yes (firm's website)
- **Credentials:** BFA, CFP, CIMA
- **Specialties:** Equity compensation, Retirement planning, Tax planning, Estate & legacy planning
- **Works with:** High earners, Tech employees, Early-career professionals
- **CRD:** 6743119 (https://adviserinfo.sec.gov/individual/summary/6743119)
- **SEC registration:** Investment adviser representative in TX
- **Exams passed:** Series 65 (2017), Series 63 (2020)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://vesselplanning.com

## Frequently asked questions

### Is Cole Williams a fee-only financial advisor?

Yes. Cole Williams is listed in the NAPFA directory (NAPFA admits only fee-only advisors) and 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 Cole's firm.

### How does Cole charge for financial advice?

Cole charges a percentage of assets, an ongoing planning fee and a one-time planning fee.

### How much does Cole charge?

According to Vessel Financial Planning's website, checked October 28, 2026: ongoing planning from $2,500 a year; one-time plans from $1,000; 0.95% a year on the first tier of assets managed.

### Where is Cole Williams based?

Cole Williams is based in Plano, Texas.

### What does Cole specialize in?

Cole's specialties include equity compensation, retirement planning, tax planning and estate & legacy planning. Cole works with high earners, tech employees and early-career professionals.

### What credentials does Cole Williams hold?

Cole Williams holds the BFA, CFP and CIMA credentials.

### Is Cole Williams registered with the SEC?

Yes. Cole Williams is registered as an investment adviser representative in TX (CRD 6743119), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How do I contact Cole Williams?

Through Cole's website, vesselplanning.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/54421): NAPFA admits only fee-only advisors
- XY Planning Network directory listing: 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.vesselplanning.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.