# Sam Fawaz

> Sam Fawaz is a fee-only financial advisor at Y.D. Financial Services, Inc. in Southfield, Michigan, who holds the BBA, CFP and CPA credentials. Sam charges hourly fees, an ongoing planning fee, a flat fee or retainer and a percentage of assets.

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

## Facts

- **Firm:** Y.D. Financial Services, Inc.
- **Based in:** Southfield, Michigan
- **Fee model:** Hourly; Ongoing planning fee; Flat fee or retainer; Percentage of assets
- **Works virtually:** Yes (firm's website)
- **Assets under management (firm):** $128.1M across 583 accounts
- **Credentials:** BBA, CFP, CPA, MST
- **CRD:** 4708300 (https://adviserinfo.sec.gov/individual/summary/4708300)
- **SEC registration:** Investment adviser representative in MI, TN, TX
- **Exams passed:** Series 63 (2004)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** http://ydfs.com

## Frequently asked questions

### Is Sam Fawaz a fee-only financial advisor?

Yes. Sam Fawaz is listed in the NAPFA directory (NAPFA admits only fee-only advisors). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Sam's firm.

### How does Sam charge for financial advice?

Sam charges hourly fees, an ongoing planning fee, a flat fee or retainer and a percentage of assets.

### Does Sam work with clients virtually?

Yes. Y.D. Financial Services, Inc. says on its website that it works with clients remotely.

### Where is Sam Fawaz based?

Sam Fawaz is based in Southfield, Michigan.

### What credentials does Sam Fawaz hold?

Sam Fawaz holds the BBA, CFP, CPA and MST credentials.

### Is Sam Fawaz registered with the SEC?

Yes. Sam Fawaz is registered as an investment adviser representative in MI, TN and TX (CRD 4708300), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Y.D. Financial Services, Inc. manage?

Y.D. Financial Services, Inc. reports $128.1M across 583 accounts in assets under management.

### How do I contact Sam Fawaz?

Through Sam's website, ydfs.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/6215): NAPFA admits only fee-only advisors
- 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.ydfs.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.