Joel S. Williams

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CRD#: 1128688

Professional summary

Being a previously registered professional could mean that this person is no longer operating under the supervision of the SEC or FINRA.

That means that the Securities and Exchange Commission may not be able to oversee the services that this specific professional is providing.

Joel Sylvan Williams, who also goes by Joel S. Williams, was a registered financial professional .

Joel is a previously registered financial professional and started their career in finance in 1983. Joel had worked at 6 firms and has passed the Series 65, Series 63, SIE, Series 3, Series 7 and Series 24 exams.

Question & Answer

Are you a "fiduciary"?

Aliases

Joel S. Williams

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

The advisor shows no other business activity.

Blog Corner

CRS (Client Relationship Summary)

The CRS(Customer Relationship Summary) document is not provided.

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

None

Experience

Past

October 6, 2017 - August 6, 2020

OLIO FINANCIAL PLANNING

RIA

CRD#: 282355

Blacksburg, VA

Past

February 19, 2015 - September 15, 2017

WEALTHCARE CAPITAL MANAGEMENT LLC

RIA

CRD#: 111119

BLACKSBURG, VA

Past

April 1, 2003 - February 6, 2015

VSR FINANCIAL SERVICES, INC.

RIA

CRD#: 14503

BLACKSBURG, VA

Past

April 1, 2003 - February 2, 2015

VSR FINANCIAL SERVICES, INC.

CRD#: 14503

BLACKSBURG, VA

Past

July 24, 1997 - May 19, 2003

LOCKWOOD FINANCIAL SERVICES, INC.

RIA

CRD#: 40655

BLACKSBURG, VA

Past

April 7, 1997 - May 19, 2003

LOCKWOOD FINANCIAL SERVICES, INC.

CRD#: 40655

MALVERN, PA

Past

September 17, 1991 - April 25, 1997

MORGAN STANLEY DW INC.

CRD#: 7556

PURCHASE, NY

Past

June 24, 1983 - September 19, 1991

FIRST UNION CAPITAL MARKETS CORP.

CRD#: 6124

CHARLOTTE, NC

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

OLIO FINANCIAL PLANNING

JSW FINANCIAL | OLIO FINANCIAL PLANNING, LLC | OLIO FINANCIAL PLANNING | OLIO FINANCIAL | OLIO

CRD#: 282355 / SEC#: 801-111849

RIA

Registered Investment Advisory firm - (10/13/2017 Approved)

Texas

Registered Investment Advisory firm - (11/2/2017 Terminated)

Virginia

Registered Investment Advisory firm - (11/2/2017 Terminated)

Why is a state registration marked "Terminated"? When a firm registers with the SEC (usually after managing $100M+ AUM), it often withdraws separate state firm registrations unless required by that state. The firm can still serve clients there through its individually registered Investment Advisor Representatives (IARs).

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

Visual representation of state registrations

This advisor is not registered in any state.

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.

Exams

State Security Law Exam

IAR

Series 65

Date: 6/15/1990

Uniform Investment Adviser Law Examination

State Security Law Exam

Series 63

Date: 6/24/1983

Uniform Securities Agent State Law Examination

General Industry/Product Exam

SIE

Date: 2/2/2015

Securities Industry Essentials Examination

General Industry/Product Exam

Series 3

Date: 7/7/1992

National Commodity Futures Examination

General Industry/Product Exam

Series 7

Date: 6/18/1983

General Securities Representative Examination

Principal/Supervisory Exam

Series 24

Date: 7/21/1997

General Securities Principal Examination

Current Firm

OLIO FINANCIAL PLANNING

JSW FINANCIAL | OLIO FINANCIAL PLANNING, LLC | OLIO FINANCIAL PLANNING | OLIO FINANCIAL | OLIO

CRD#: 282355 / SEC#: 801-111849

RIA

Registered Investment Advisory firm - (10/13/2017 Approved)

Texas

Registered Investment Advisory firm - (11/2/2017 Terminated)

Virginia

Registered Investment Advisory firm - (11/2/2017 Terminated)

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Contact information

Main Address

1751 Pinnacle Drive Suite 600, Mclean, VA 22102-4007

Mailing Address

301 S. Main Street Suite 203, Blacksburg, VA 24060-4626

Phone number

(703) 459-9299

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (15 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

OLIO_PART2A (3/6/2025)

Regulatory assets under management

Total Number of Accounts	1,586
AUM (Assets Under Management)	$ 491,883,336

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

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Firm Stability Insights

Joel S. Williams

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary)

Certified licenses

Experience

WEALTHCARE CAPITAL MANAGEMENT LLC

VSR FINANCIAL SERVICES, INC.

VSR FINANCIAL SERVICES, INC.

LOCKWOOD FINANCIAL SERVICES, INC.

LOCKWOOD FINANCIAL SERVICES, INC.

MORGAN STANLEY DW INC.

FIRST UNION CAPITAL MARKETS CORP.

Primary Firm SEC Registration

OLIO FINANCIAL PLANNING

State Registrations and Notice Filings

Exams

Series 65

Date: 6/15/1990

Series 63

Date: 6/24/1983

SIE

Date: 2/2/2015

Series 3

Date: 7/7/1992

Series 7

Date: 6/18/1983

Series 24

Date: 7/21/1997

Current Firm

OLIO FINANCIAL PLANNING

Contact information

SEC notice filing (15 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

OLIO FINANCIAL PLANNING

TRUST BUT VERIFY

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