Chrome Advisors
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$142,400,000
Clients
84
Advisors
2
of 2 employees
About
Chrome Advisors advises individuals (including high‑net‑worth clients), trusts, pension and profit‑sharing plans, and business entities, offering asset management, financial planning, retirement plan consulting, and portfolio monitoring for both custodial and non‑custodial accounts. The firm also provides specialized consulting services that can include estate and tax planning, corporate structure and cost‑segregation analysis.
The firm tailors portfolios through asset‑allocation-driven strategies and ongoing monitoring, using a mix of quantitative and qualitative analysis, sector and technical analysis, and both long‑ and short‑term trading tools (including options and margin when appropriate). Chrome implements client strategies using third‑party platforms and sub‑advisers—naming Envestnet and ARIA Wealth Management as execution channels—and may recommend securities‑based or insurance‑backed lending for eligible high‑net‑worth clients.
Notable differences from many peers include the firm’s insurance ties: representatives are licensed insurance agents/brokers who offer insurance products and receive customary compensation, and the brochure discloses relationships with insurance‑industry activities and the handling of insurance company clients, a combination that is uncommon among supported advisers. The firm also highlights monitoring of non‑custodial accounts (401(k)s, 529s, annuities), the use of sub‑advisers for implementation, and periodic due diligence of third‑party service providers (including those with AI components).
Client services
Expertise
Fee options
Flat fees up to $50,000 for financial planning and consulting; retirement plan consulting may be charged flat fees
$0.00 - $999,999.99: 1.00% $1,000,000.00 - $1,999,999.99: 0.85% $2,000,000.00 - $4,999,999.99: 0.75% $5,000,000.00 - $9,999,999.99: 0.65% $10,000,000 - and above: 0.50%
Up to $850 per hour for financial planning and consulting services
Fee-only: Hourly fees up to $850 per hour; flat fees up to $50,000 for financial planning and consulting; portfolio monitoring fees up to 1.00% AUM billed quarterly in advance; retirement plan consulting fees on hourly, flat fee or up to 1.00% of plan assets
Main office
345 California Street, Suite 600
San Francisco CA 94104
Advisors at this office
2
Most active in
California · Texas
Also doing business as
Chrome Advisors · Chromecore, 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 active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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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.
Advisors at this firm
Lisa S
Series 66
San Francisco, CA
Chrome Advisors
Lisa Shinhira is a financial advisor at Chrome Advisors with 18 years of industry experience. She holds a Series 66 designation and previously worked at Lincoln Financial Advisors, Sagepoint Financial, and Cullen Financial Advisors. Chrome Advisors serves individuals, trusts, pension and profit-sharing plans, and business entities with services including asset management, financial planning, and retirement plan consulting. The firm employs asset-allocation-driven strategies combined with quantitative and qualitative analysis and uses third-party platforms and sub-advisers to implement client portfolios.
Virgilio C
CFP®, Series 66
San Francisco, CA
Chrome Advisors
Virgilio Cristobal is a CFP® with 22 years of industry experience, currently serving as an advisor at Chrome Advisors. His prior experience includes roles at Lincoln Financial Advisors and Cullen Financial Advisors. In addition to his advisory work, he is a licensed insurance agent engaged in the sale of insurance products. Chrome Advisors serves individuals, trusts, pension and profit-sharing plans, and business entities, providing asset management, financial planning, retirement plan consulting, and portfolio monitoring. The firm employs asset-allocation-driven strategies with both quantitative and qualitative analysis, utilizing third-party platforms and sub-advisers to implement client strategies.
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