EFG Financial, LLC

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Client assets under management

Clients

0% high-net worth

Advisors

of 2 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Low

Average account size

About

EFG Financial, LLC works with individuals, high‑net‑worth individuals, and businesses to provide retirement planning, portfolio management, and recommendations to third‑party investment advisers. Retirement planning is delivered through client interviews and software (and is complimentary for clients who invest $100,000 or more), while portfolio management is offered on a non‑discretionary basis.

The firm’s investment approach is grounded in modern portfolio theory and proprietary model portfolios, with disciplined rebalancing and an emphasis on tax efficiency and concentration management when appropriate. EFG conducts due diligence on recommended third‑party advisers (including fees, performance, and reporting capabilities), relies on custodians such as Charles Schwab and SEI for custody and trade execution, and performs semi‑annual portfolio reviews.

Notable distinctions include an affiliation with an insurance business: the managing member is a licensed insurance agent with Eminence Financial Group and may receive commissions for insurance sales, a conflict disclosed in the brochure. The firm also does not directly maintain custody or directly manage client assets but instead monitors and advises on assets held with third‑party managers and arranges co‑adviser or solicitor relationships — a service model that differs from many peers — and operates with a small advisory team supporting a modest client base.

Client services

Portfolio management Selection of other advisers Retirement planning

Expertise

General retirement planning Income planning Concentrated stock management

Fee options

Fixed

$500 (retirement planning flat fee, negotiable and may be waived)

Percentage

$0 - $1,000,000: 1.00% annually Above $1,000,000+: 0.90% annually

Other

Account minimum: $50,000

Main office location

EFG Financial, LLC

1500 E. Beltline Ave Se, Suite 205

Grand Rapids MI 49506, United States

Number of offices

Most active in

Michigan

Disclosures

Business activities & affiliations

Is active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Is not active or affiliated with:

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

Website 800-694-3175

Advisors at this firm

Kelly G

Series 65

Grand Rapids, MI

EFG Financial, LLC

Kelly Gilbert is a Series 65-licensed financial advisor with nine years of industry experience. He is currently with EFG Financial, LLC and has previously worked at Blue Yonder Corp, Eminence Financial Investing, Retirement Wealth Advisors, and Oracle. Gilbert is also a co-owner of Eminence Financial Group, where he independently sells life insurance and annuities. EFG Financial, LLC serves individuals, high-net-worth clients, and businesses by providing retirement planning, portfolio management, and recommendations to third-party investment advisers. The firm employs a disciplined investment approach based on modern portfolio theory, proprietary model portfolios, and emphasizes tax efficiency and concentration management.

General retirement planning Income planning Concentrated stock management

Shawn F

Series 63, Series 66

Grand Rapids, MI

EFG Financial, LLC

Shawn Fair is a financial advisor at EFG Financial, LLC with three years of industry experience. He holds Series 63 and Series 66 registrations. Prior to joining EFG Financial, he worked at Thrivent Financial and Thrivent Investment Management Inc. Outside of his advisory role, he is co-founder and business manager of FAIR ORGANICS LLC, a company focused on producing additive-free healthcare and food products. EFG Financial, LLC serves individuals, high-net-worth clients, and businesses by providing retirement planning and non-discretionary portfolio management. The firm’s investment approach is based on modern portfolio theory, proprietary model portfolios, and emphasizes tax efficiency and concentration management.

General retirement planning Income planning Concentrated stock management

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