Williams Financial Management LLC

With decades of experience in the industry, our team strives to listen and learn about who you are and what you want out of life. We can then begin to carve out personalized solutions aimed at supporting your overall financial well-being. By staying true to our core values, we seek to guide you through our step-by-step process and aspire to help you grow and progress towards your goals.

Williams Financial, LLC is an independent, fee-only registered investment advisory firm with offices in Massachusetts, New York, and Vermont. Since 2005, Williams Financial, LLC has provided services and resources to individuals, families, and small business owners.

Working together, we can create a plan that considers each aspect of your success in reaching your goals. The team at Williams Financial fosters a creative perspective and understands the need to evolve as you truly define what you want that future to be. Our process is designed to help you explore options to refresh your strategies as your life shifts and your goals change.

You Are Just Getting Started

You have already achieved so much, but there is more to look forward to on the road ahead. As you begin planning for the next chapter of beginning your retirement, you will have plenty of options and choices to make. Choosing the right guide is the first crucial step in helping you plan, prosper, and keep going in the right direction.

Discover how the team at Williams Financial can empower your next steps and evolve with you as you adjust your vision.

Shape and Mold the Future You Desire

Retirement is not an endgame, just a new beginning. Contingencies and plans change quickly, and you should be ready for anything and everything that may come your way. Keeping up and evolving your strategy is necessary to ensure you can maintain the life you want, have the security you need, and continue to move forward.

Working together, the team at Williams Financial can guide you through changes and keep you on the right track.

Our team

James J. Williams, CFP® , MBA, CEO & Founder

As the CEO and Founder of Williams Financial, James (JJ) Williams has built a team that is passionate about helping clients understand and play an active role in their financial planning. As a wealth advisor, he works with clients to organize all the moving parts of their finances and creates a comprehensive plan to help them achieve their financial goals. Under JJ’s leadership, clients stay at Williams Financial for generations. This is because JJ’s vision for intergenerational planning actively includes both the client’s children and parents, bringing the whole family together as they create a personalized financial plan.

JJ is a CERTIFIED FINANCIAL PLANNER® professional, a certification that is the standard of excellence in financial planning, with over 20 years of experience. And after 15+ years of working with clients to create personalized financial plans, JJ understands the importance of listening and connecting with his clients to develop a plan that fits their unique needs.

JJ holds a business administration degree from Southern Vermont College, an MBA from the University of Massachusetts at Amherst, as well as a certificate in financial planning from Boston University. Further, he has held multiple securities licenses, including the Series 7, 63, and 66 FINRA licenses. His work history reflects his passion for helping clients truly understand their finances. JJ started his career as a bank manager and was promoted to marketing director. He then moved on to managing an independent broker, where he oversaw operations, finance, and compliance. During this time, JJ also counseled his own clients, which inspired him to start an investment advisory firm.

Helping and educating people has always been a driving factor for JJ. He has taken his knowledge and experience into the classroom, teaching several business courses at Castleton University, Community College of Vermont, and Southern Vermont College. He has also held the position of Department Chairperson – Entrepreneurship at Hudson Valley Community College, a SUNY college.

In addition, JJ is passionate about growing the fiduciary (client’s best interest) financial planning business model in the industry and exposing the commission and sales side of the business. As such, JJ has served as the chairperson of the Membership Committee of the National Association of Personal Financial Advisors (NAPFA), as well as a board member for NAPFA’s Northeast Mid-Atlantic Regional Board. He is currently serving as a national board member of NAPFA, where he helps shape the strategy and policy of the largest fee-only financial planning association in the United States.

When he’s not working, JJ is an avid traveler, having a particular fondness for Ireland. He also loves history, reading, hiking, and golfing. JJ lives in Shaftsbury, VT, with his wife, Kathy, and they have two adult sons, Noah, and Luke.

Mrs. Daryl Spirka, CFP®, EXECUTIVE VICE PRESIDENT / SENIOR FINANCIAL PLANNER

As Williams Financial’s executive vice president and senior financial planner, Daryl Spirka enjoys working with clients preparing, monitoring, and updating personalized financial plans to meet their individual needs.

After earning a Bachelor of Business Administration from the University of Vermont, Daryl became a CPA in the state of Vermont, where she gained over 20 years of diverse tax experience with small businesses and individuals. Daryl holds the Series 66 FINRA license and has additionally held the CERTIFIED FINANCIAL PLANNER® certification for more than 15 years.

Prior to joining the Williams Financial team in 2014, Daryl ran her own CPA practice from 2002 to 2014. Pairing her tax planning expertise with financial planning services has afforded her the opportunity to create increasingly meaningful relationships with clients throughout the years. Daryl excels at establishing a comfortable atmosphere in which clients feel at ease discussing wealth management and ensuring that all recommendations are concisely communicated.

Outside of work, Daryl can often be found carving waves while jet skiing on a nearby lake, maintaining her extensive vegetable gardens (from which her coworkers often and gladly benefit), spending time with her family, or immersing herself in a great book.

Tyler Cinelli, CFP®, AIF®, QPFC, MBA, FINANCIAL PLANNER / RETIREMENT PLAN SPECIALIST

As a financial planner and the firm’s retirement plan specialist, Tyler Cinelli works with households to determine their financial goals and assists small business owners in creating and managing qualified retirement plans. In his role as the trading specialist, he performs trades on behalf of clients during both regular account rebalancing and in response to client requests to manage cash flow.

With over a decade of experience in the financial industry, Tyler brings a diverse array of experiences and qualifications to his work at Williams Financial. After earning his bachelor’s degree in management with a finance concentration from Rensselaer Polytechnic Institute, he went on to complete an MBA with a finance concentration from the State University of Albany. Tyler has earned the highly respected CERTIFIED FINANCIAL PLANNER® (CFP®) certification, recognized as the standard of excellence in financial planning. In addition, he holds the ACCREDITED INVESTMENT FIDUCIARY (AIF®) and Qualified Plan Financial Consultant (QPFC) designations, as well as multiple securities and insurance licenses.

Ever since joining the Williams Financial team in 2017, Tyler has been guiding clients through the financial planning process with his impressive expertise, approachable demeanor and the utmost level of care and intentionality.

Tyler and his wife, Lauren, live in Bennington, VT with their son, TJ, and their beloved rescue dogs, Finn and Luma. They enjoy traveling together and spending time with extended family. In addition, Tyler loves to play golf and keep up with his favorite teams, the Dolphins, Yankees and Tar Heels.

Katya Outwater Dente, MS, OPERATIONS MANAGER

As the operations manager at Williams Financial, Katya Outwater Dente devotes herself to supporting clients throughout all phases of the customer lifecycle. From preparing applications and contracts during onboarding to managing client requests on a day-to-day basis, Katya executes or oversees every point of client service. In addition, Katya serves as the primary liaison for both the firm’s custodian, Charles Schwab, and the firm’s cybersecurity/IT support team.

Before joining the Williams Financial team in 2018, Katya earned a bachelor’s degree in education from Elmira College and a master’s degree in sports management from SUNY Fredonia. She then went on to work as the executive assistant at a real estate agency and a design/sales consultant for an interior design firm. The attention to detail that was fostered in these roles serves Katya well at Williams Financial, where she additionally assists JJ in managing the firm’s compliance calendar and responsibilities.

One of Katya’s strengths is her passion and commitment to helping people. She’s a relationship builder, first and foremost, and enjoys getting to know clients so she can discover more effective ways to provide them with value.

Katya is an avid reader, and when she’s not nose-deep in a book, she’s working on a craft project, checking out a live music show, or spending time with her husband, her two nieces, and her energetic and adorable German Shorthaired Pointer, Fanny.

Meredith Youngmann Phippen, ASSOCIATE FINANCIAL PLANNER

As an associate financial planner at Williams Financial, Meredith Youngmann Phippen works in tandem with the other members of the team to ensure that clients are met with effective support throughout every step of the financial planning process.

Following the completion of an associate degree from Hudson Valley Community College, Meredith began working at Williams Financial at the start of 2020 as a client service associate. She went on to earn a Bachelor of Business Administration from SUNY Cobleskill while working part time. Upon her graduation in 2023 she returned to full time work at Williams Financial, at which point she transitioned onto the financial planning team. Meredith has earned the Series 65 FINRA license.

Meredith excels when it comes to connecting with clients. She’s a natural people person and enjoys interacting with others, listening to their stories, and learning from their experiences. As she provides practical support in a range of administrative and financial planning tasks, she relishes the opportunity to share these conversations and build relationships with clients along the way.

When not working, Meredith loves to spend time with her husband, Stephen, and the impressive total of 23 nieces and nephews shared between them. Outside of time with family, Meredith enjoys amateur rock climbing, baking, and reading, gravitating especially towards mysteries, autobiographies, and romantic comedies.

Michelle Metcalfe, OFFICE MANAGER / CLIENT SERVICE ASSOCIATE

As a client service associate and office manager at Williams Financial, Michelle Metcalfe values her role as the first point of contact prospects and clients interact with when they enter Williams Financial. Whether answering the phones, preparing for meetings, or managing schedules and appointments, Michelle plays an essential role in ensuring that the business runs smoothly while prioritizing client relationships.

After graduating from high school in Bennington, Vermont, Michelle began her career as the office coordinator at Shaftsbury Medical Associates. Throughout her 27 years there, Michelle filled many roles, including coordinator for their substance abuse program and the office’s HIPPA compliance officer. In addition to these responsibilities, she took pride in coming alongside every person she interacted with and letting each of them know they were valued as individuals, not just numbers.

Ever since joining the team in 2022, Michelle has brought this same consideration and care to her work at Williams Financial, balancing the administrative and relational aspects of the job with ease.

Michelle still resides in Bennington, VT, with her husband Geoff and sidekick Gunner, the family’s 11-year-old black lab. Michelle and Geoff have adult twins, Austin and Alyvia. In her spare time, Michelle loves to host dinner parties for family and friends, stay active in the gym and spend time tending to her flower gardens.

Address: 28 Clinton Street Suite 2, Saratoga Springs, NY 12866, USA

Address: 12 Main Street, North Bennington, VT 05257, USA

Address: 14 Monument Sq. Suite 402, Leominster, MA 01453, USA

Phone: +1 866 986 4469
FAX: +1 516 762 8531