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Michael Willard

Esi Financial Advisors
12 Years of Experience
Charlotte, NC
1 DisclosureMay Earn CommissionSells Insurance
View SEC Summary
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Michael Willard is a registered investment advisor at Esi Financial Advisors, based in Charlotte, NC, with 12 years of industry experience. Their practice areas include Annuities, Charitable Giving, Education Planning, Estate Planning, and 6 more. Their firm serves 12,379 clients with $2.8B in assets under management.

Esi Financial Advisors
Compensation
Commission-BasedFee-Only (% of Portfolio)Fixed/Hourly
Firm Size
536 advisors
Number of Clients
12,379 clients
Average Client Portfolio
$224K average
Assets Under Management
$2.8B

Fee Structure

Minimum Investment:$10K
Planning is included in investment management (also available separately)
Portfolio-Based Fees (Tiered)
Portfolio ValueAnnual Fee
Up to $1.0M1.00%
$1.0M - $2.5M0.75%
$2.5M - $5.0M0.60%
$5.0M - $10.0M0.50%
$10M+0.35%

Rates reflect the primary schedule used in programs like American Funds and Schwab Retirement Advisor Services. Other programs have different maximum fees (AssetMark up to 1.50%, Saratoga up to 2.00%, SEI up to 1.75% plus 0.05% administrative fee). Actual fees are negotiable.

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

Location

1515 Mockingbird Lane, Suite 800, Charlotte, NC, 28209

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History

Regulatory History (1)
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Customer Dispute
August 2020
Denied
View Full SEC ReportHow to Read Disclosures
Other Business ActivitiesSells Insurance

Michael is an insurance agent with Stone Press Financial Group, dedicating about a quarter of his time to this role. He is also the owner/president of Forged Financial LLC, though this takes minimal time.

Employment History
Current Registrations
Esi Financial Advisors
May 2025 - Present · 1 yr 5 mos
Previous Registrations
Foundations Investment Advisors LLC
September 2020 - May 2025 · 4 yrs 8 mos
Formula Folio Investments
August 2020 - December 2021 · 1 yr 4 mos
Alloy Investment Management
July 2020 - May 2025 · 4 yrs 10 mos
Edward Jones
December 2017 - July 2020 · 2 yrs 7 mos
Edward JonesBroker
November 2017 - July 2020 · 2 yrs 8 mos
UBS Financial Services INC.Broker
November 2010 - January 2011 · 2 mos
TradekingBroker
May 2008 - November 2010 · 2 yrs 6 mos
AXA Advisors, LLC
July 2007 - April 2008 · 9 mos
AXA Advisors, LLCBroker
July 2007 - April 2008 · 9 mos
State Registrations1 state
NC
Advisor

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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