Front Street Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$12,753,007
This total excludes 1 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Total clients
18
33% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
18
Average account size
$708,500
About
Front Street Financial is an independent, fee-only advisory firm that primarily serves individual clients and also provides services to charitable organizations, corporations, and other businesses. The firm offers individualized investment management and both project-based and ongoing financial planning, including retirement plan advice and estate and tax planning recommendations.
Investment management is delivered through tailored portfolios guided by client objectives, risk tolerance, and tax considerations, with supervision and client reviews conducted on an ongoing basis. The firm reports virtually all assets as non-discretionary—requiring client authorization before trades—and uses both fundamental analysis and principles of modern portfolio theory, while also monitoring held-away accounts through a third‑party platform.
What is distinctive about the firm is that it reports $0 in discretionary AUM and $12,750,868 in non‑discretionary AUM and explicitly includes charitable organization clients, both of which are uncommon among independent solo advisers. The firm also discloses the ability to engage a sub‑advisor (including a relationship with SyntheticFi LLC) for specialized or derivatives-based strategies and relies on third‑party custodial and technology services (including Charles Schwab and BuyAllAccounts) as part of its operational model.
Client services
Financial planning
Portfolio management
Fee options
Financial Freedom ongoing planning fixed fees ranging from $400 to $1,000 per month
$0 - $1,000,000: 1.25% $1,000,001 - $2,000,000: 1.10% $2,000,001 - $3,000,000: 1.00% $3,000,001 - $5,000,000: 0.80% $5,000,001+: 0.60%
$350 per hour for Financial Transformation planning service
Fee-only: Financial Freedom ongoing financial planning: $400 to $1,000 per month (fixed fee, negotiable); Financial Transformation hourly planning: $350 per hour, negotiable
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:
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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.
Main office location
Front Street Financial
Lahaina HI, United States
Number of offices
1
Forms ADV
Quick links
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