# William Cummings

> William Cummings is a fee-only financial advisor at J.M. Arbour in Gardiner, Maine. J.M. Arbour reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

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

## Facts

- **Firm:** J.M. Arbour
- **Based in:** Gardiner, Maine
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $183.2M across 1,253 accounts
- **CRD:** 6800327 (https://adviserinfo.sec.gov/individual/summary/6800327)
- **SEC registration:** Investment adviser representative in ME
- **Exams passed:** Series 63 (2017), Series 65 (2022), Series 66 (2020)
- **Firm size:** 12 employees
- **Disclosures:** None reported
- **Website:** https://www.jmarbour.com/

## Frequently asked questions

### Is William Cummings a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: William holds no broker registration, and J.M. Arbour reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does William charge for financial advice?

William's firm, J.M. Arbour, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is William Cummings based?

William Cummings is based in Gardiner, Maine.

### Is William Cummings registered with the SEC?

Yes. William Cummings is registered as an investment adviser representative in ME (CRD 6800327), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does J.M. Arbour manage?

J.M. Arbour reports $183.2M across 1,253 accounts in assets under management.

### How do I contact William Cummings?

Through William's website, www.jmarbour.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6800327): 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.