Disclosures

Vermillion Financial Advisors, Inc. (“Vermillion”) is an SEC registered investment adviser located in South Barrington, Illinois. Vermillion and its representatives are in compliance with the current filing requirements imposed upon SEC registered investment advisers by those states in which Vermillion maintains clients. 

Vermillion may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Vermillion’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. 

Accordingly, the publication of Vermillion’s web site on the Internet should not be construed by any consumer and/or prospective client as Vermillion’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by Vermillion with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of Vermillion, please contact the SEC or the state securities regulators for those states in which Vermillion maintains a notice filing. A copy of Vermillion’s current written disclosure statement discussing Vermillion’s business operations, services, and fees is available from Vermillion upon written request. 

Vermillion does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Vermillion web site or incorporated herein, and takes no responsibility therefore. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly. 

Please remember that different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by Vermillion), will be profitable or equal any historical performance level(s). 

Certain portions of Vermillion’s web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, Vermillion (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s). Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from Vermillion, or from any other investment professional. Vermillion is neither an attorney nor an accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice. 

All communications between you and Vermillion, including but not limited to emails, phone calls, physical mail, and video chats, may be recorded for compliance, training and service monitoring purposes. Such recordings will be managed in accordance with applicable fiduciary and data protection laws and will be kept confidential. By utilizing this website and submitting any forms, you give full consent to Vermillion to record and store all communication between both parties. You may opt out of recording by informing Vermillion at the time the communication is being initiated.

Rankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if Vermillion is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of Vermillion by any of its clients. Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser. 

Each client and prospective client agrees, as a condition precedent to his/her/its access to Vermillion’s web site, to release and hold harmless Vermillion, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from Vermillion. 

Certifications and Designations 

1. Accredited Investment Fiduciary® (AIF®) 

The AIF designation is earned through completion of fi360’s AIF Training programs. AIF designation represents achievement of educational, competence, conduct and ethical standards, and the ability to carry out a fiduciary standard of care. AIF designation carries a reputation in the industry for the ability to implement prudent investment processes and practices as well as the ability to assist others in implementing proper policies and procedures. 

2. CERTIFIED FINANCIAL PLANNER® (CFP®) 

The CFP ® designation is a voluntary certification issued by the CERTIFIED FINANCIAL PLANNER Board and recognized by the United States and other countries for its (1) high standard of professional education, (2) stringent code of conduct and standards of practice and (3) ethical requirements governing professional engagements with clients. A candidate for designation must first obtain a bachelor’s degree from an accredited college or university with coursework including financial planning subject areas (e.g. insurance planning, risk management, employee benefits planning, investment planning, income tax planning, retirement planning and estate planning). Candidates must also have at least 3 years of full-time personal financial planning experience, measured as 2,000 hours per year. CFP ® candidates must pass a 2-day comprehensive examination designed to test their ability to correctly diagnose financial planning issues and apply their knowledge to real world circumstances. Anyone earning CFP® designation must complete 30 hours of continuing education every two years and agree to be bound by the CERTIFIED FINANCIAL PLANNER Board’s Standards of Professional Conduct. 

3. Chartered Retirement Plans Specialist ™ (CRPS®) 

The CRPS designation is awarded by the College for Financial Planning, a division of Kaplan, Inc., to financial professionals who successfully complete a self-study program, pass an exam and agree to comply with a code of ethics. This CRPS program educates experienced advisors on the process of building and maintaining business retirement plans, implementing well-structured, company-appropriate retirement plans, and administering retirement plans for businesses and their employees. The CRPS program includes IRAs, small business retirement plans, defined contribution plans, nonprofit plans, 401(k) and 403(b) plans, and government plans. CRPS professionals must complete 16 hours of continuing education every two years. 

4. Agriculture Focused Financial Planner (AFFP®) 

The AFFP® designation is issued by the University of Illinois Urbana-Champaign to financial service professionals serving clients associated with agriculture or living in rural communities. The AFFP® designation indicates a deep understanding of land, legacy, agriculture and the unique needs of rural America, and identifies financial professionals as qualified and competent to work with farmers, ranchers and communities built around agribusiness. 

Expert Contributor  

Vermillion occasionally receives unsolicited requests to comment or provide subject matter knowledge to support news articles written by independent reporters. Vermillion responds to these requests for no compensation. Reporters decide whether to quote or rely on Vermillion’s comments at their discretion. Vermillion has been quoted in articles published by: 

  • BBC 
  • CNBC 
  • CNN 
  • Forbes 
  • The Chicago Tribune 
  • The Wall Street Journal 

Vermillion Statistics 

1. Client Retention Ratio 

The client retention ratio of 99% percent reflects the average annual retention rate of current Vermillion advisors from 2010 through 2024. This figure is based solely on internal records of clients who maintained and terminated an investment advisory relationship with the firm. It is not intended to represent or guarantee future retention or client experience. 

2. Year Founded 

The reference to the year 1988 identifies the year in which Vermillion was established as a corporation. This information is provided for historical context only and does not imply any level of skill or future performance. 

3. Client to Advisor Ratio 

The client to advisor ratio of 47 to 1 is calculated by taking the total number of clients as of December 31st, 2024, then dividing it by the number of CFP® professionals employed by the firm as of the same date and rounded up to the nearest whole number. This ratio is presented to describe the general scale of client service support and should not be interpreted as an assurance of any specific service level or outcome. 

4. States/Countries of Client Residency 

The statement that the firm has served clients located in 30 states and 4 countries reflects the primary residence location of clients who have engaged the firm from 1988 to November 2025. The countries included are the United States, England, South Korea, and the Philippines. This information is intended only to illustrate the geographic reach of the firm over time and does not indicate any regulatory authorization to solicit or serve clients in jurisdictions where the firm is not currently notice filed or otherwise permitted to operate. 

Client Testimonials 

The testimonials provided were made by current clients (as of 12/09/2025) of Vermillion Financial Advisors, Inc. (“Vermillion”). Clients were not compensated, directly or indirectly, for providing any testimonial of Vermillion, its Advisers or their services. No two clients, situations, or experiences are exactly alike; therefore, the client’s testimonial should not give any assurance that Vermillion may be able to help any client achieve the same satisfactory results. On the contrary, there can be no assurance that a client or prospective client will experience a certain level of results or satisfaction if Vermillion is engaged or continues to engage in Vermillion’s services. Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Vermillion, or any non-investment related content, made reference to directly or indirectly in this testimonial will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. 

Form ADV and Client Relationship Summary

Vermillion Form ADV 
Vermillion ADV Part 2 Brochure 
Vermillion Client Relationship Summary (CRS)