Effective Finance LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
0
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Clients per advisor
0
Average account size
—
About
Effective Finance LLC is a fee-only registered investment adviser that provides ongoing and project-based financial planning to individuals and high-net-worth clients. Although registered as an adviser, the firm does not offer investment management services and reports $0 in discretionary and non-discretionary assets under management.
The firm tailors recommendations to each client’s situation and relies on modern portfolio theory and asset-allocation frameworks, favoring passive funds and the use of mutual funds or ETFs (and, when requested, socially responsible investment screens). Effective Finance does not execute trades or custody client assets; clients are responsible for implementing recommendations and selecting custodians.
Distinctive features include the firm’s use of hourly billing for some project-based engagements and its absence of percentage-of-AUM fees, a fee structure that is uncommon among peers in its category. The firm’s principal maintains significant outside employment and indicates an intention to limit the number of active clients to preserve availability; the adviser does not exercise investment discretion or vote client proxies.
Client services
Financial planning
Expertise
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Retirement income strategy
General tax planning
Fee options
Fixed fees ranging from $500 to $10,000 for project-based financial planning
$0 - $500,000: $3,000 annually $500,001 - $1,000,000: $4,000 annually $1,000,001 - $2,000,000: $6,000 annually $2,000,001 - $5,000,000: $8,000 annually $5,000,001 - $10,000,000: $12,000 annually $10,000,000+: $20,000 annually
$250/hour for project-based financial planning
Fee-only: Fixed fees ranging from $500 to $10,000 or hourly rate of $250/hour for project-based financial planning
Main office location
Effective Finance LLC
Berkeley CA, United States
Number of offices
1
Most active in
Effective Finance LLC has reported serving >5 clients in these states in the last 12 months.
California
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
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