401 Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
401 Financial serves individual and high‑net‑worth clients with ongoing financial planning, project‑based consulting, and investment planning. The firm also integrates cryptoasset and onchain asset advisory into clients’ broader plans, providing written or electronic reports and education that cover retirement, tax, estate, employee benefits, and investment analysis.
The firm’s investment approach favors passive management using ETFs and mutual funds while applying fundamental and technical analysis for security and crypto research; it discloses use of AI (Claude by Anthropic) to support financial planning and client deliverables. 401 Financial does not take custody of client assets and does not use a percentage‑of‑AUM fee model, instead relying on fixed, hourly, or negotiated arrangements while clients retain implementation control.
Distinctive aspects include a formal focus on crypto and onchain asset strategy—portfolio construction, tax and estate considerations, and required client risk acknowledgments—paired with educational offerings such as webinars, onsite coaching, and periodic client education that the firm cites as part of its services. The firm operates as a small, two‑advisor practice with principals who produce industry content and participate in speaking and data‑partnership activities, and it may serve as a beta tester for crypto data providers.
Client services
Expertise
Fee options
$500 flat fee paid monthly for routine Financial Planning services
$250 per hour for project-based financial planning services
Flat fee of $500 paid monthly for routine Financial Planning services
Minimum fee: $500 monthly flat fee for routine Financial Planning services Fee-only: Flat monthly fee of $500 for routine financial planning; $250 per hour for project-based financial planning services
Main office
San Diego CA
Advisors at this office
2
Most active in
California
Also doing business as
401 Financial · 401 Financial Inc. · 401 Financial LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
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
Quick links
Advisors at this firm
Erik S
CFP®
San Diego, CA
401 Financial
Erik Smith is a CFP® professional with four years of industry experience. He currently works at 401 Financial, where he has been since 2022. His prior experience includes roles at Onramp, Roell Capital Management (Mass Mutual), US Bank, and Principal. 401 Financial is a small advisory practice serving individual and high-net-worth clients with financial planning, investment planning, and specialized cryptoasset strategy services. The firm emphasizes passive core allocations supplemented by tactical elements and offers proprietary crypto research and coaching as part of its tailored client approach.
Tyrone R
Series 63, Series 66
San Diego, CA
401 Financial
Tyrone Ross is a financial advisor at 401 Financial with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Merrill Lynch, Bank of America, and NobleBridge Wealth Management. Outside of his advisory role, he is the founder of 401 STC, LLC, providing financial consulting and speaking engagements, and also works as a contractor with Coindesk producing podcasts and hosting events. 401 Financial is a small advisory practice serving individual and high-net-worth clients with financial planning, investment planning, and specialized cryptoasset strategies. The firm emphasizes tailored investment recommendations with passive core allocations and offers proprietary crypto research and education as part of its service.
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