# Frank Demaio

> Frank Demaio is a fee-only financial advisor at JTD Financial Services in Bedford, New Hampshire, who holds the CFP credential. JTD Financial Services reports charging a percentage of assets and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/frank-demaio/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** JTD Financial Services
- **Based in:** Bedford, New Hampshire
- **Fee model (firm's Form ADV):** Percentage of assets; Fixed fees
- **Assets under management (firm):** $21.2M across 117 accounts
- **Credentials:** CFP
- **CRD:** 2268523 (https://adviserinfo.sec.gov/individual/summary/2268523)
- **SEC registration:** Investment adviser representative in NH
- **Exams passed:** Series 63 (1993), Series 65 (1998)
- **Firm size:** 2 employees
- **Disclosures:** None reported
- **Website:** http://www.jtdfinancial.com

## Frequently asked questions

### Is Frank Demaio a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Frank holds no broker registration, and JTD Financial Services reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Frank charge for financial advice?

Frank's firm, JTD Financial Services, reports charging a percentage of assets and fixed fees on its SEC Form ADV.

### Where is Frank Demaio based?

Frank Demaio is based in Bedford, New Hampshire.

### What credentials does Frank Demaio hold?

Frank Demaio holds the CFP credential.

### Is Frank Demaio registered with the SEC?

Yes. Frank Demaio is registered as an investment adviser representative in NH (CRD 2268523), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does JTD Financial Services manage?

JTD Financial Services reports $21.2M across 117 accounts in assets under management.

### How do I contact Frank Demaio?

Through Frank's website, www.jtdfinancial.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/2268523): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

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