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Roy Williams

Kcd Financial, INC.
42 Years of Experience
Stratford, CT
10 DisclosuresBrokerSells Insurance
View SEC Summary
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Roy Williams is a registered investment advisor at Kcd Financial, INC., based in Stratford, CT, with 42 years of industry experience. Roy is also registered as a broker, so some compensation may come from commissions on products sold. Their practice areas include Education Planning, Estate Planning, High Net Worth, Insurance Planning, and 3 more. Their firm serves 1,257 clients with $200M in assets under management.

Kcd Financial, INC.
Compensation
Fee-Only (% of Portfolio)Fixed/Hourly
Firm Size
38 advisors
Number of Clients
1,257 clients
Average Client Portfolio
$161K average
Assets Under Management
$202.1M

Fee Structure

Minimum Investment:$25K
Investment management only (planning not offered)
Portfolio-Based Fees (Tiered)
Portfolio ValueAnnual Fee
Up to $100K3.00%
$100K - $500K2.00%
$500K - $1.0M1.00%
$1M+0.50%

Fees range from 0.5% up to 3% annually as agreed upon by the adviser and client. Fees are negotiable within stated limitations.

Fee Estimator
Your Portfolio Value
$500K
$0$500K$1M$5M$20M
Estimated Annual Fee
—
View Full SEC Brochure

Location

3200 Main Street, Stratford, CT, 06614

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History

Regulatory History (10)
What are disclosures? Advisors must report customer complaints, regulatory actions, and certain legal or financial events to the SEC. Not all disclosures are serious—many are settled disputes or minor violations. Learn how to evaluate them.
Customer Dispute
July 2025
Pending
Customer Dispute
June 2022
Settled
Customer Dispute
May 2020
Settled
Customer Dispute
November 2017
Settled
Customer Dispute
March 2017
Denied
Regulatory
March 2016
Final
Customer Dispute
December 2011
Withdrawn
Customer Dispute
May 2011
Settled
Customer Dispute
May 2010
Settled
Customer Dispute
December 2006
Closed-No Action
View Full SEC ReportHow to Read Disclosures
Other Business ActivitiesSells Insurance

Roy sells life insurance, long-term care insurance, and fixed annuities under the name Williams Financial Group since 2001. This activity takes nearly full-time.

Employment History
Current Registrations
Kcd Financial, INC.
August 2023 - Present · 3 yrs 2 mos
Kcd Financial, INC.
July 2023 - Present · 3 yrs 3 mos
Kcd Financial, INC.Broker
July 2023 - Present · 3 yrs 3 mos
Previous Registrations
Center Street Advisors, INC.
March 2017 - August 2023 · 6 yrs 5 mos
Center Street Securities, INC.Broker
October 2016 - August 2023 · 6 yrs 10 mos
Edi Investment Advisor Corporation
January 2014 - October 2016 · 2 yrs 9 mos
Edi Investment Advisor Corporation
July 2008 - December 2013 · 5 yrs 5 mos
Edi Financial, INC.Broker
February 2006 - October 2016 · 10 yrs 8 mos
Harvest Capital Advisors, LLC
September 2003 - February 2006 · 2 yrs 5 mos
Harvest Capital LLCBroker
October 2002 - February 2006 · 3 yrs 4 mos
Usallianz Securities, INC.Broker
November 2001 - September 2002 · 10 mos
Washington Square Securities, INC.Broker
March 2000 - November 2001 · 1 yr 8 mos
Mony Securities CorporationBroker
February 1996 - April 2000 · 4 yrs 2 mos
1717 Capital Management CompanyBroker
February 1993 - December 1998 · 5 yrs 10 mos
Metlife Securities INC.Broker
November 1982 - January 1992 · 9 yrs 2 mos
Metropolitan Life Insurance CompanyBroker
November 1982 - January 1992 · 9 yrs 2 mos
State Registrations3 states
CTNVPA
AdvisorBrokerBoth

You can work with an advisor not registered in your state. Most advisors can legally serve a small number of clients across state lines without registering.

Exams
No exam information available for this advisor.
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