Meridian Financial Advisors, LLC. Brochure Supplement Dated 3/31/2011

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Item 1 Cover Page A.

Kevin Collins

Meridian Financial Advisors, LLC

Brochure Supplement

Dated 3/31/2011

Contact: Kevin Collins, Chief Compliance Officer

75 Essex Street, Suite 200

Hackensack, NJ 07601

www.meridianfinancialadvisors.com

B.

This brochure supplement provides information about Kevin Collins that supplements the Meridian Financial Advisors, LLC brochure. You should have received a copy of that brochure. Please contact Kevin Collins, Chief Compliance Officer, if you did not receive Meridian Financial Advisors, LLC‘s brochure or if you have any questions about the contents of this supplement.

Additional information about Kevin Collins is available on the SEC’s website at www.adviserinfo.sec.gov.

Item 2 Education Background and Business Experience

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Mr. Collins has been designated as a Personal Financial Specialist (“PFS”) since January 20, 1998. The PFS credential demonstrates that an individual has met the minimum education, experience and testing required of a CPA in addition to a minimum level of expertise in personal financial planning. To attain the PFS credential, a candidate must hold an unrevoked CPA license, fulfill 3,000 hours of personal financial planning business experience, complete 80 hours of personal financial planning CPE credits, pass a comprehensive financial planning exam and be an active member of the AICPA. A PFS credential holder is required to adhere to AICPA’s

Code of Professional Conduct, and is encouraged to follow AICPA’s Statement on Responsibilities in Financial Planning Practice. To maintain their PFS credential, the recipient

must complete 60 hours of financial planning CPE credits every three years. The PFS credential is administered through the AICPA

Item 3 Disciplinary Information None.

Item 4 Other Business Activities

A. The supervised person is not actively engaged in any investment-related business or occupation.

B. Certified Public Accountant (CPA). Mr. Collins, in his individual capacity, is a certified public accountant, and may recommend his tax preparation and/or accounting services. To the extent a client determines to engage Mr. Collins to provide tax preparation and/or accounting services, such services shall be provided by Mr. Collins in his individual capacity as a certified public accountant, independent of Registrant. Registrant shall receive no portion of fees charged by Mr. Collins for such services. Conflict of Interest: The recommendation by Mr. Collins that a client elect his accounting services presents a conflict of interest, as the receipt of fees for accounting services may provide an incentive to recommend such services, rather than recommending such services based upon a particular client’s needs. No client is under any obligation to utilize Mr. Collins for accounting services. Clients are reminded that they may elect to obtain accounting services recommended by the Registrant through other non-affiliated certified public accountants. The Registrant’s Chief Compliance Officer, Kevin Collins, remains available to address any questions that a client or prospective client may have regarding the above conflict of interest.

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Item 6 Supervision (State Registered Investment Advisers)

The Registrant provides investment advisory and supervisory services in accordance with current state regulatory requirements. The Registrant’s Chief Compliance Officer, Kevin Collins, is primarily responsible for overseeing the activities of the Registrant’s supervised persons. Mr. Collins also monitors accounts and conducts account reviews on at least an annual basis. Should a client have any questions regarding the Registrant’s supervision or compliance practices, please contact Mr. Collins at (201)487-7990.

Item 7 State-Registered Investment Advisors

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Lawrence J. Bedard

Meridian Financial Advisors, LLC

Brochure Supplement

Dated 3/31/2011

Contact: Kevin Collins, Chief Compliance Officer

75 Essex Street, Suite 200

Hackensack, NJ 07601

www.meridianfinancialadvisors.com

B.

This brochure supplement provides information about Lawrence J. Bedard that supplements the Meridian Financial Advisors, LLC brochure. You should have received a copy of that brochure. Please contact Kevin Collins, Chief Compliance Officer, if you did not receive Meridian Financial Advisors, LLC‘s brochure or if you have any questions about the contents of this supplement.

Additional information about Lawrence J. Bedard is available on the SEC’s website at www.adviserinfo.sec.gov.

Lawrence J. Bedard was born in 1954. Mr. Bedard graduated from Salem State University in 1978, with a degree in Accounting. Mr. Bedard earned his Masters in Business Administration from Bentley College in 1980. Mr. Bedard has been employed as an investment advisor representative of Meridian Financial Advisors, LLC since October of 2004. Mr. Bedard has also been employed as a registered representative of Alternative Wealth Strategies, Inc. since October of 2009. Mr. Bedard has also been employed as a registered representative of Guardian Life Insurance Company since March of 1992.

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A. Registered Representative of AWS Mr. Bedard is a registered representative of Alternative Wealth Strategies, Inc. (“AWS”), an SEC Registered and FINRA member broker-dealer. Clients may choose to engage Mr. Bedard in his individual capacity as a registered representative of Alternative Wealth Strategies, Inc., to implement investment recommendations on a commission basis.

1. Conflict of Interest The recommendation by Mr. Bedard that a client purchases a securities commission product presents a conflict of interest, as the receipt of commissions may provide an incentive to recommend investment products based on commissions received, rather than on a particular client’s need. No client is under any obligation to purchase any commission products from Mr. Bedard. Clients are reminded that they may purchase investment products recommended by Registrant through other, non-affiliated broker dealers. The Registrant’s Chief Compliance Officer, Kevin Collins, remains available to address any questions that a client or prospective client may have regarding the above conflict of interest.

2. Commissions In the event the client chooses to purchase investment products through AWS, brokerage commissions will be charged by to effect securities transactions, a portion of which commissions shall be paid by AWS to Mr. Bedard as applicable. The brokerage commissions charged by AWS may be higher or lower than those charged by other broker-dealers. In addition, AWS, as well as Registrant’s Associated Persons, relative to commission mutual fund purchases, may also receive additional ongoing 12b-1 trailing commission compensation directly from the mutual fund company during the period that the client maintains the mutual fund investment. The securities commission business Mr. Bedard is separate and apart from Registrant’s investment management services discussed in the Registrant’s Brochure. B. Licensed Insurance Agents. Mr. Bedard, in his individual capacity, is a licensed

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Item 5 Additional Compensation None.

A. Mr. Bedard has never been involved in an arbitration proceeding or a civil, self-regulatory, or administrative proceeding.

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Adam Coopersmith

Meridian Financial Advisors, LLC

Brochure Supplement

Dated 3/31/2011

Contact: Kevin Collins, Chief Compliance Officer

75 Essex Street, Suite 200

Hackensack, NJ 07601

www.meridianfinancialadvisors.com

B.

This brochure supplement provides information about Adam Coopersmith that supplements the Meridian Financial Advisors, LLC brochure. You should have received a copy of that brochure. Please contact Kevin Collins, Chief Compliance Officer if you did not receive Meridian Financial Advisors, LLC‘s brochure or if you have any questions about the contents of this supplement.

Additional information about Adam Coopersmith is available on the SEC’s website at www.adviserinfo.sec.gov.

Adam Coopersmith was born in 1964. Mr. Coopersmith graduated from Rutgers University in 1986, with a degree in Accounting. Mr. Coopersmith has been employed as an investment adviser representative of Meridian Financial Advisors, LLC since January of 2004. Mr. Coopersmith has also been employed as the Supervisor of Tobin & Collins, C.P.A., P.A since July of 2003.

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A. The supervised person is not actively engaged in any investment-related business or occupation.

B. Certified Public Accountant (CPA). Mr. Coopersmith, in his individual capacity, is a certified public accountant, and may recommend his tax preparation and/or accounting services. To the extent a client determines to engage Mr. Coopersmith to provide tax preparation and/or accounting services, such services shall be provided by Mr. Coopersmith in his individual capacity as a certified public accountant, independent of Registrant. Registrant shall receive no portion of fees charged by Mr. Coopersmith for such services. Conflict of Interest: The recommendation by Mr. Coopersmith that a client engage his accounting services presents a conflict of interest, as the receipt of fees for accounting services may provide an incentive to recommend such services, rather than recommending such services based upon a particular client’s needs. No client is under any obligation to utilize Mr. Coopersmith for accounting services. Clients are reminded that they may elect to obtain accounting services recommended by the Registrant through other non-affiliated certified public accountants. The Registrant’s Chief Compliance Officer, Kevin Collins, remains available to address any questions that a client or prospective client may have regarding the above conflict of interest.

Item 5 Additional Compensation None.

A. Mr. Coopersmith has never been involved in an arbitration proceeding or a civil, self-regulatory, or administrative proceeding.