William S. Cummings

J.M. ARBOUR

Gardiner, ME 04345

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CRD#: 6800327

Professional summary

William Sinclair Cummings, who also goes by William Cummings, is a registered financial advisor currently at J.M. ARBOUR, LLC located in Gardiner, Maine.

William is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2017. William has worked at 3 firms and has passed the Series 65, Series 66, Series 63, SIE and Series 7 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

William Cummings

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.

1.) INSURANCE SALES; INVESTMENT-RELATED; GARDINER, MAINE; INSURANCE AGENT; 2020; APPROXIMATELY 30 HRS/MO DURING TRADING HOURS; SALES OF VARIOUS INSURANCE PRODUCTS. 2.) W. Sinclair Holdings LLC; Not investment-related; China, ME 04358; Nature: Benefit counseling; Position: President/Founder; Title: Sole member LLC, President/Founder; Start date: 01/24/2025; Approximately 4 hours/month will be devoted to this activity with 0 hours/month during securities trading hours; Duties: various business consulting services.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view William Sinclair Cummings's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

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

Current

June 24, 2022 - Present

J.M. ARBOUR, LLC

Office #1: 1 Brunswick Avenue, Gardiner, ME 04345

RIA

CRD#: 313352

Gardiner, ME

Past

December 23, 2020 - August 4, 2022

FOUNDATIONS INVESTMENT ADVISORS LLC

RIA

CRD#: 175083

HALLOWELL, ME

Past

February 12, 2020 - April 22, 2020

EQUITABLE ADVISORS, LLC

RIA

CRD#: 6627

ROCHESTER, NY

Past

June 8, 2017 - April 22, 2020

EQUITABLE ADVISORS, LLC

CRD#: 6627

ROCHESTER, NY

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".

J.M. ARBOUR, LLC

J.M. ARBOUR LLC | J.M. ARBOUR, LLC | J.M. ARBOUR WEALTH MANAGEMENT | J.M. ARBOUR MULTI-FAMILY OFFICE

CRD#: 313352 / SEC#: 801-124962

RIA

Registered Investment Advisory firm - (5/6/2022 Approved)

State Registrations and Notice Filings

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

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

Highlighted states indicate IAR registrations

IAR

Maine
(6/24/2022)

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: 4/2/2022

Uniform Investment Adviser Law Examination

State Security Law Exam

IAR

Series 66

Date: 2/11/2020

Uniform Combined State Law Examination

State Security Law Exam

Series 63

Date: 8/14/2017

Uniform Securities Agent State Law Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 6/8/2017

General Securities Representative Examination

Current Firm

J.M. ARBOUR, LLC

J.M. ARBOUR LLC | J.M. ARBOUR, LLC | J.M. ARBOUR WEALTH MANAGEMENT | J.M. ARBOUR MULTI-FAMILY OFFICE

CRD#: 313352 / SEC#: 801-124962

RIA

Registered Investment Advisory firm - (5/6/2022 Approved)

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Contact information

Main Address

1 Brunswick Avenue, Gardiner, ME 04345

Mailing Address

Phone number

(207) 248-6767

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (6 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

J.M. ARBOUR, LLC FORM ADV PART 2 BROCHURE (3/17/2025)

Regulatory assets under management

Total Number of Accounts	1,310
AUM (Assets Under Management)	$ 153,988,558

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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Advisor Monitoring

Firm Stability Insights

William S. Cummings

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view William Sinclair Cummings's CRS (Customer Relationship Summary).

Certified licenses

Experience

FOUNDATIONS INVESTMENT ADVISORS LLC

EQUITABLE ADVISORS, LLC

EQUITABLE ADVISORS, LLC

Primary Firm SEC Registration

J.M. ARBOUR, LLC

State Registrations and Notice Filings

Exams

Series 65

Date: 4/2/2022

Series 66

Date: 2/11/2020

Series 63

Date: 8/14/2017

SIE

Date: 10/1/2018

Series 7

Date: 6/8/2017

Current Firm

J.M. ARBOUR, LLC

Contact information

SEC notice filing (6 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

J.M. ARBOUR, LLC

TRUST BUT VERIFY

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