First and Main Financial

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Client assets under management

$165,310,192

Clients

122

60% high-net worth

Advisors

of 4 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Typical

Average account size

$1,355,002

About

First and Main Financial advises individual clients and revocable trusts and also provides financial planning and investment education to pension plan participants. As of January 28, 2026 the firm reports managing about $165.3 million on a discretionary basis across roughly 122 client accounts.

The firm constructs portfolios primarily with mutual funds and exchange-traded funds, including some commission-free index ETFs, and allocates across a broad set of sectors and fixed-income types — domestic small-, mid-, and large-cap equities; developed and emerging international markets; global real estate; and a range of bonds including state-specific municipal bonds, hedged, and inflation-protected issues. Portfolios are managed with a long-term orientation and periodic rebalancing, with asset mixes adjusted for client age, risk tolerance, and cash needs rather than by attempting market timing.

Distinctive features noted in the brochure include a required custodial relationship with Charles Schwab, from which the firm receives institutional products and services that present a potential conflict of interest, and a compact three-advisor team combining CFP and CFA credentials. The firm typically applies a $500,000 onboarding guideline that may be waived, commonly waives ongoing planning charges for clients who become asset management clients, and offers participant-level pension advice in addition to individual account management.

Client services

Financial planning Portfolio management Pension consulting

Expertise

General retirement planning College savings (529s, UTMA, etc.) Cash flow / budgeting Stock option exercise strategy Real estate investing

Fee options

Fixed

Fixed fee for financial planning services ranging from $500 to $5,000

Percentage

$0 - $500,000: 0.85% annually $500,001 - $1,000,000: 0.75% annually $1,000,001 - $1,500,000: 0.65% annually $1,500,001 - $2,000,000: 0.55% annually $2,000,001 - $2,500,000: 0.45% annually $2,500,001+: 0.35% annually

Project-based

$400 per hour for initial financial planning; $250 per hour for plan revisions

Other

Account minimum: $500,000 Fee-only: Financial planning fixed fees from $500 to $5,000; hourly rates $400/hour initial planning, $250/hour revisions

Most active in

California

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

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

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 Form ADV Part 3: Client Relationship

Quick links

Website (510) 601-1935

Advisors at this firm

Alison V

CFP®, Series 63

Piedmont, CA

First and Main Financial

Alison Van Dyke is a CFP® with First and Main Financial, where she has worked since 2016. She holds a Series 63 license and is based in Piedmont, CA. Prior to joining the firm, she was a homemaker for two years. First and Main Financial manages client assets on a discretionary basis, primarily serving individual investors and revocable trusts. The firm emphasizes long-term diversification through mutual funds, ETFs, and various fixed income options, offering comprehensive financial planning and participant-level pension plan services.

General retirement planning College savings (529s, UTMA, etc.) Cash flow / budgeting Stock option exercise strategy Real estate investing

Erik W

CFP®, Series 66

Piedmont, CA

First and Main Financial

Erik Wolfers is a CFP® professional with nine years of industry experience, currently serving at First and Main Financial in Piedmont, CA. He has been associated with Wolfers Asset Management since 2001. First and Main Financial manages client assets on a discretionary basis, primarily serving individual investors and revocable trusts. The firm emphasizes long-term diversification and periodic rebalancing using mutual funds, ETFs, and various fixed income options, and also provides comprehensive financial planning and pension plan participant services.

General retirement planning College savings (529s, UTMA, etc.) Cash flow / budgeting Stock option exercise strategy Real estate investing

Eric W

CFA®

Piedmont, CA

First and Main Financial

Eric Wheeler is a CFA® charterholder with 10 years of industry experience. He has been operating independently since 2015 and is currently affiliated with First and Main Financial in Piedmont, CA. First and Main Financial manages client assets on a discretionary basis, primarily serving individual investors and revocable trusts. The firm emphasizes long-term diversification using mutual funds, ETFs, and various fixed income options, and provides comprehensive financial planning along with pension plan participant services.

General retirement planning College savings (529s, UTMA, etc.) Cash flow / budgeting Stock option exercise strategy Real estate investing

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