Mechfi
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$90,000
Total clients
6
0% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
6
Average account size
$15,000
About
Mechanical Financial is an independent, state-registered investment adviser that provides discretionary portfolio management and financial planning primarily for individual clients, and also accepts pension and profit‑sharing plans, trusts, estates, charitable organizations and small business entities. The brochure describes services including investment management, estate/legacy consulting, retirement planning, tax-aware planning, and retirement plan consulting and administration support.
The firm uses a Modern Portfolio Theory framework to construct diversified portfolios, allocating largely to ETFs, mutual funds, REITs and cash equivalents while occasionally incorporating individual equities, fixed‑income securities and options to meet client objectives. Engagements are tailored to client risk tolerance and time horizon and may include discretionary management of employer‑sponsored retirement products, variable annuities and 529 plans, with ongoing monitoring and periodic performance reporting delivered via the custodian platform.
What is distinctive for a solo independent adviser is the firm’s regular publication of educational content and periodic newsletters via social media together with complimentary seminars and workshops for clients and plan participants—services that are uncommon among peers. The firm also offers pension and retirement plan consulting and can act in a 3(21) co‑fiduciary capacity for plan sponsors; combined with its small, boutique client base and the principal’s insurance licensure (which may result in insurance commissions), these institutional and educational capabilities set it apart from many similar one‑advisor practices.
Client services
Financial planning
Portfolio management
Pension consulting
Newsletters or periodicals
Educational seminars or workshops
Expertise
Retirement income strategy
Income planning
Tax-loss harvesting
Real estate investing
Fee options
Retirement plan consulting services charged fixed fees ranging from $1,500 to $5,000 annually depending on plan size; flat fee of $10/month for accounts $30,000 and below for investment management
$0 - $30,000: $10 per month flat fee $30,001 - $100,000: 1.00% annually (100 basis points) $100,001 - $250,000: 0.85% annually (85 basis points) $250,001 - $500,000: 0.70% annually (70 basis points) $500,001 - $1,000,000: 0.60% annually (60 basis points) $1,000,001+: Negotiable
Account minimum: No minimum account size or minimum annual fee requirement Minimum fee: $120 per year minimum fee for investment management; $300 per year minimum fee for financial planning
Main office location
Mechfi
Sacramento CA, United States
Number of offices
1
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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