Main Effort Financial, Inc.
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$86,397,395
Clients
189
11% high-net worth
Advisors
1
of 2 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
189
Very HighAverage account size
$457,129
About
Main Effort Financial serves individuals (including high-net-worth clients), trusts, estates, businesses and retirement plans, providing wealth management, discretionary investment management, financial planning and retirement-plan advisory services. The firm manages client portfolios on an ongoing basis and also offers stand-alone financial planning and plan-level consulting.
The firm typically implements a long-term, diversified approach that emphasizes exchange-traded funds and individual equities, using both fundamental and technical analysis to construct portfolios and make adjustments for rebalancing, tax considerations, or changes in client objectives. It generally aims for low turnover, may retain legacy holdings for tax or fit reasons, and avoids leveraged or inverse products while allowing short-term trades when appropriate.
Noteworthy operational features include managing roughly $86 million across about 189 client relationships while operating as a small, owner-operated advisory practice with an institutional relationship with Charles Schwab for custody and platform services. The firm provides ERISA fiduciary retirement-plan services (including participant enrollment and education) and discloses a principal’s separate commercial property business and personal-trading policies that permit supervised persons to trade alongside clients under compliance oversight.
Client services
Financial planning
Portfolio management
Pension consulting
Expertise
Wealth management
Retirement plans for business owners (SEP, solo 401k)
Cash flow / budgeting
Fee options
Fixed fee engagements for financial planning, negotiated based on complexity and duration
$0 - $999,999: 0.95% annually $1,000,000 - $1,499,999: 0.85% annually $1,500,000 - $1,999,999: 0.80% annually $2,000,000 - $2,499,999: 0.75% annually $2,500,000 - $3,499,999: 0.70% annually $3,500,000 - $5,000,000: 0.65% annually $5,000,000+: Negotiable
Up to $300 per hour for financial planning services
Account minimum: $50,000 Fee-only: Wealth management fees based on tiered AUM schedule; financial planning billed hourly up to $300/hour or fixed fee; retirement plan advisory fees 0.20% to 0.50% annually, negotiable
Main office location
Main Effort Financial, Inc.
747 Washington Street
Holliston MA 01746, United States
Number of offices
1
Most active in
Main Effort Financial, Inc. has reported serving >5 clients in these states in the last 12 months.
Florida · Illinois · Massachusetts
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.
Forms ADV
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