DFX Intelligence

RIA Intelligence

Registered investment advisers, the advisors registered through them, the capital they report, the private vehicles they run and the people who own them, as a graph with a filing date behind every number. RAUM is what the adviser filed, a move is two registration dates, and a class is a rule you can read.

Former SEC-registered adviser

Fai Wealth Management

Former SEC-registered adviserColumbia, MarylandCRD 104610SEC 801-31624IAPD
Legal name Financial Advantage Inc
Latest filing Mar 22, 2023
First filing on the tape Feb 17, 2012 · 48 filings
RAUM
$283M
reported, Item 5.F
Discretionary
100%
of RAUM
Private clients
100%
$283M individuals and HNW
Advisors
0
registered through the firm on IAPD
RAUM per advisor
n/a
derived; firm RAUM over IAPD count
Employees
8
3 advisory (5.B.1)
Offices
0
beyond the principal office
Private funds
0
reported on Schedule D
History
48 filings and snapshots on the tape
RAUM$283M as of Mar 22, 2023
Feb 17, 2012$268M then
HNW client RAUM$234M as of Mar 22, 2023
Mar 30, 2018$285M then
State-registered IARs (5.B.3)2 as of Mar 22, 2023
Feb 17, 20120 then
Employees (5.A)8 as of Mar 22, 2023
Mar 6, 201311 then
Private funds: no history
RAUM -11% over the last fiscal year-10% a year over threeIARs 2 to 2
Practice profile
derived from the filing of Mar 22, 2023; every figure names its basis
RAUM per advisor
$141MderivedRAUM over IAPD advisors; not a book size
Clients per advisor
95derivedindividual and HNW clients (5.D) over advisors
Average HNW client
$2.1MderivedHNW RAUM over HNW clients
Average account
$420,426derivedRAUM over accounts (5.F.2.f)
Discretionary
100%derivedof RAUM
Institutional
0.0%derivedpensions, charities, corporations, government, insurance, banks, other advisers
Employees per advisor
4.0derivedItem 5.A over advisors
Advisors per office
2.0derived1 offices incl. principal (1.F.5)
RAUM growth, one year
-11%derivedbetween the last two annual amendments
Advisor growth, one year
+0.0%derivedItem 5.B.3 between annual amendments
Client growth, one year
-0.5%derived
Compensation
percentage of assets, hourly, fixed feesreportedItem 5.E
Advisory activities
financial planning, portfolio management for individuals, pension consultingreportedItem 5.G
Custody
$283M, 189 clientsreportedItem 9.A
Ownership
no PE, bank or public-company owner found on Schedule Aderived
Advisor book size
not public; not estimatedreported
Also answered yes on Form ADV
  • buys or sells securities as principal to or from clients (8.A.2)
  • has discretionary authority over which securities are bought or sold (8.C.1)
  • receives research or other products from a broker-dealer, soft dollars (8.E)
  • compensates persons for client referrals (8.G.1)
  • compensates non-employees for client referrals (8.G.2)
  • has custody of client cash or bank accounts (9.A.1.a)
  • has custody of client securities (9.A.1.b)
Where the RAUM sits
Form ADV Item 5.D, latest filing
  • High-net-worth individuals$234M83%
  • Individuals$48.4M17%
Individual clients
79reported
HNW clients
110reported
Pension plan clients
n/areported
Charitable clients
n/areported
Accounts
672reported
Financial planning clients
101-250reported
Wrap fee programs
noreported
Custody of client assets
$283M for 189 clientsreported
Compensation
% of AUM, fixed, hourlyreported
Class basis
absent from the latest SEC rosterderived
Advisors registered through the firm
0 on IAPD today, longest tenure first
No representative is registered through this CRD on IAPD.
Advisor movement
Left, latest
Joined, latest
Teams: two or more advisors moving together within fourteen days, from one state
    Private funds
    No private fund reported.
    Owners and control persons
    Schedule A and B, latest filing
    • Richard Curtis Gross · Chief Investment Officer/Chairmancontrol
      since 01/2013 · owns 50% to 75%
    • Lee Andrew Smith · Vice President, Chief Operating Officer, Chief Compliance Officercontrol
      since 01/2014 · owns 25% to 50%
    • O'Neal Mark Stinson · Presidentcontrol
      since 03/2016 · owns 10% to 25%
    Related persons
    Schedule D 7.A
    No related person reported.
    Office movement
    IAPD branch city; joins and departures in 12 months
    OfficeAdvisorsJoinedLeftTeams outForming
    Columbia, Md · principal000
    Offices
    Schedule D 1.F, the 25 largest
    No branch office listed.
    What changed
    consecutive filings, newest first
    • Accounts · 655 to 672
      Mar 17, 2022 to Mar 22, 2023
    • HNW clients · 124 to 110
      Mar 17, 2022 to Mar 22, 2023
    • Individual clients · 66 to 79
      Mar 17, 2022 to Mar 22, 2023
    • Assets in custody · $318M to $283M
      Mar 17, 2022 to Mar 22, 2023
    • Employees · 9 to 8
      Mar 17, 2022 to Mar 22, 2023
    • Discretionary RAUM · $318M to $283M
      Mar 17, 2022 to Mar 22, 2023
    • HNW RAUM · $276M to $234M
      Mar 17, 2022 to Mar 22, 2023
    • Individual RAUM · $41.6M to $48.4M
      Mar 17, 2022 to Mar 22, 2023
    • RAUM · $318M to $283M
      Mar 17, 2022 to Mar 22, 2023
    • Accounts · 633 to 655
      Oct 7, 2021 to Mar 17, 2022
    • Advisory employees · 4 to 3
      Oct 7, 2021 to Mar 17, 2022
    • HNW clients · 116 to 124
      Oct 7, 2021 to Mar 17, 2022
    • Individual clients · 70 to 66
      Oct 7, 2021 to Mar 17, 2022
    • Assets in custody · $182M to $318M
      Oct 7, 2021 to Mar 17, 2022
    • State-registered IARs · 3 to 2
      Oct 7, 2021 to Mar 17, 2022
    • Discretionary RAUM · $298M to $318M
      Oct 7, 2021 to Mar 17, 2022
    • HNW RAUM · $253M to $276M
      Oct 7, 2021 to Mar 17, 2022
    • Individual RAUM · $44.2M to $41.6M
      Oct 7, 2021 to Mar 17, 2022
    • RAUM · $298M to $318M
      Oct 7, 2021 to Mar 17, 2022
    • Accounts · 834 to 633
      Aug 27, 2020 to Mar 22, 2021
    • Advisory employees · 5 to 4
      Aug 27, 2020 to Mar 22, 2021
    • Charity clients · 1.0 to unset
      Aug 27, 2020 to Mar 22, 2021
    • HNW clients · 137 to 116
      Aug 27, 2020 to Mar 22, 2021
    • Individual clients · 90 to 70
      Aug 27, 2020 to Mar 22, 2021
    • Pension plan clients · 3.0 to unset
      Aug 27, 2020 to Mar 22, 2021
    • Assets in custody · $172M to $182M
      Aug 27, 2020 to Mar 22, 2021
    • Employees · 12 to 9
      Aug 27, 2020 to Mar 22, 2021
    • State-registered IARs · 4 to 3
      Aug 27, 2020 to Mar 22, 2021
    • Discretionary RAUM · $389M to $298M
      Aug 27, 2020 to Mar 22, 2021
    • HNW RAUM · $324M to $253M
      Aug 27, 2020 to Mar 22, 2021
    • Individual RAUM · $59.2M to $44.2M
      Aug 27, 2020 to Mar 22, 2021
    • Pension RAUM · 3868294.0 to unset
      Aug 27, 2020 to Mar 22, 2021
    • RAUM · $389M to $298M
      Aug 27, 2020 to Mar 22, 2021
    • Accounts · 804 to 834
      Mar 28, 2019 to Mar 30, 2020
    • HNW clients · 113 to 137
      Mar 28, 2019 to Mar 30, 2020
    • Individual clients · 107 to 90
      Mar 28, 2019 to Mar 30, 2020
    • Assets in custody · $119M to $172M
      Mar 28, 2019 to Mar 30, 2020
    • Employees · 11 to 12
      Mar 28, 2019 to Mar 30, 2020
    • Discretionary RAUM · $329M to $389M
      Mar 28, 2019 to Mar 30, 2020
    • HNW RAUM · $255M to $324M
      Mar 28, 2019 to Mar 30, 2020
    Signals
    4 dated events
    • Skyler D Hutcheson left Fai Wealth Management for Cwm, Llc (registered 2023-08-21)
      Dec 4, 2023 · Advisor changed firm · fact
    • Hope Elliott Campbell left Fai Wealth Management for Cwm, Llc (registered 2023-08-21)
      Dec 4, 2023 · Advisor changed firm · fact
    • 2 advisors left Fai Wealth Management (Columbia, MD) for Cwm, LLC on the same day
      Dec 4, 2023 · Team lift-out · derived
    • Daniel M Kelly left Fai Wealth Management for Raymond James & Associates, Inc. (registered 2024-11-07)
      Feb 4, 2022 · Advisor changed firm · fact
    Across DFX
    shared identifiers only, never a name match
    No identifier-backed link to the venture, private equity, family office or sponsor graphs.
    Provenance
    Form ADV
    SEC filing data 2011 to 2024 and the monthly roster 2025 onreportedadviserinfo.sec.gov
    Advisors
    IAPD individual compilation feed, dailyreportedadviserinfo.sec.gov
    Class
    Former SEC-registered adviserderiveda rule over Items 5.D and 7.A
    RAUM per advisor
    n/aderivedfirm RAUM over the IAPD count; not a book size
    Loaded
    Sep 14, 2026