# William Gaines

> William Gaines is a fee-only financial advisor at Widmann Financial Services in Bowie, Maryland, who holds the CFP credential. Widmann Financial Services reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

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

## Facts

- **Firm:** Widmann Financial Services
- **Based in:** Bowie, Maryland
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $466.8M across 1,128 accounts
- **Credentials:** CFP
- **CRD:** 6883077 (https://adviserinfo.sec.gov/individual/summary/6883077)
- **SEC registration:** Investment adviser representative in MD
- **Exams passed:** Series 63 (2018), Series 66 (2020)
- **Firm size:** 14 employees
- **Disclosures:** None reported
- **Website:** http://www.widmannfinancial.com

## Frequently asked questions

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

Yes, according to SEC records as of October 29, 2026: William holds no broker registration, and Widmann Financial Services 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, Widmann Financial Services, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is William Gaines based?

William Gaines is based in Bowie, Maryland.

### What credentials does William Gaines hold?

William Gaines holds the CFP credential.

### Is William Gaines registered with the SEC?

Yes. William Gaines is registered as an investment adviser representative in MD (CRD 6883077), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Widmann Financial Services manage?

Widmann Financial Services reports $466.8M across 1,128 accounts in assets under management.

### How do I contact William Gaines?

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

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6883077): 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.