Echo45 Advisors LLC
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About
Echo45 Advisors serves individuals (including high‑net‑worth clients), trusts, retirement plans, and business entities with comprehensive wealth management, discretionary investment management, retirement plan consulting, and standalone financial planning; estate planning and tax preparation are offered through a separate affiliated tax-and-estate entity. The firm also provides an automated “Auto Pilot” investment service delivered through the Betterment Securities platform for clients who prefer a digital advisory experience.
The firm employs a mix of analytical methods — fundamental, technical, quantitative, sector, and cyclical analysis — and implements portfolios using discretionary management, third‑party SMA/TAMP managers, and model portfolios sourced from an institutional model marketplace. Notable strategy capabilities include custom indexing with tax management and ESG screening, allocations to alternative investments, conventional fixed‑income and options strategies, and selective exposure to digital‑asset products (including staked digital asset ETFs).
What sets Echo45 apart from many similar-sized teams is its combination of an affiliated Echo45 Tax & Estate practice and a wholly owned non‑advisory subsidiary that holds aircraft assets, structural features not typical for peer advisory firms. The firm also integrates multiple fintech tools and custodial relationships — including Altruist’s model marketplace, held‑away account management via Pontera, and Betterment’s Auto Pilot custody requirement — blending automated platform delivery with customized, discretionary portfolio construction.
Client services
Expertise
Fee options
$0 - $1,000,000: 1.50% annually $1,000,001 - $5,000,000: 1.00% annually $5,000,001 - $10,000,000: 0.75% annually $10,000,001+: 0.65% annually $0 - $1,000,000: 1.00% annually $1,000,001 - $5,000,000: 0.75% annually $5,000,001 - $10,000,000: 0.50% annually $10,000,001+: 0.35% annually
Recurring subscription-based fees for financial planning services; may include one-time initial payment
Account minimum: $500,000 Fee-only: Financial planning fees up to $20,000; project-based or recurring subscription fees; retainer up to $1,200 if services cannot be rendered within 6 months
Main office
1802 Tice Valley Blvd
Walnut Creek CA 94595
Advisors at this office
6
Most active in
Arizona · California · Louisiana · Oregon · Texas
Also doing business as
Echo45 Advisors LLC · Echo45 Advisors, LLC · Third Current Wealth
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.
Quick links
Advisors at this firm
Genecar V
Series 66
Walnut Creek, CA
Echo45 Advisors LLC
Genecar Vivo is a financial advisor with Echo45 Advisors LLC, holding a Series 66 designation and 21 years of industry experience. Prior to joining Echo45 Advisors in 2020, Vivo worked at Merrill for 19 years. Outside of financial advising, Vivo serves as the treasurer for a political campaign committee. Echo45 Advisors serves individuals, trusts, retirement plans, and business entities with wealth management, discretionary investment management, and financial planning services. The firm employs a range of analytical methods and offers both automated and customized investment solutions, supported by affiliated tax and estate services and a non-advisory subsidiary managing aircraft assets.
James S
Series 66
Walnut Creek, CA
Echo45 Advisors LLC
James Sutton is a financial advisor with Echo45 Advisors LLC in Walnut Creek, CA, holding a Series 66 designation and 13 years of industry experience. He previously worked at Merrill and Morgan Stanley before joining Echo45 Advisors in 2020. Sutton is also a passive investor in property technology and land development companies through Land Club LLC and Land Club Sutter Creek LLC. Echo45 Advisors serves individuals, trusts, retirement plans, and business entities with comprehensive wealth management, discretionary investment management, and financial planning services. The firm combines multiple analytical methods and employs a variety of portfolio strategies, including custom indexing, alternative investments, and digital assets, supported by affiliated tax and estate services and integrated fintech solutions.
Sean O
Series 66
Walnut Creek, CA
Echo45 Advisors LLC
Sean O'Brien is a financial advisor at Echo45 Advisors LLC with 20 years of industry experience. He holds a Series 66 designation and has previously worked at Central Valley Advisors, Raymond James Financial Services, Bank of America, and Merrill. Outside of advising, he serves as a volunteer board member for the Salvation Army in Sacramento. Echo45 Advisors serves individuals, trusts, retirement plans, and business entities with comprehensive wealth management, discretionary investment management, and retirement plan consulting. The firm combines multiple analytical methods with various portfolio implementation strategies and offers both automated and customized investment services.
Jason Q
Series 65
Walnut Creek, CA
Echo45 Advisors LLC
Jason Qiu is a financial advisor at Echo45 Advisors LLC with a Series 65 credential and one year of industry experience. Prior to joining Echo45, he held various roles outside of finance, including positions in the food service industry and at the University of California Riverside. Echo45 Advisors serves individuals, trusts, retirement plans, and business entities with comprehensive wealth management and financial planning services. The firm combines multiple analytical methods and a range of investment strategies, offering both discretionary management and an automated digital advisory service through Betterment Securities.
Jon H
CFP®, Series 66
Walnut Creek, CA
Echo45 Advisors LLC
Jon Henderson is a CFP® and holds a Series 66 license with 25 years of industry experience. He currently serves at Echo45 Advisors LLC, where he has worked since 2020, following prior roles at Bank of America and Merrill Lynch. Outside of his advisory work, he owns an artisan woodworking business and operates Echo45 Tax & Estate, a tax preparation and estate planning service. He is also a candidate for governor and serves as principal officer of his political campaign committee. Echo45 Advisors LLC provides investment advisory services to individuals, trusts, pension and profit-sharing plans, professional fiduciaries, and business entities. The firm manages diversified portfolios using a range of investment vehicles and offers wealth management, retirement plan consulting, financial planning, and estate-planning services, supported by affiliated service relationships and distinctive subsidiaries including Echo45 Tax & Estate and Echo45 Aviation LLC.
Cole M
Series 65
Walnut Creek, CA
Echo45 Advisors LLC
Cole Matsuura is a Series 65-licensed financial advisor with one year of industry experience. He has been with Echo45 Advisors LLC since 2020, following earlier roles in hospitality and other sectors. Echo45 Advisors serves individuals, including high-net-worth clients, trusts, retirement plans, and business entities with wealth management, discretionary investment management, and financial planning. The firm combines multiple analytical methods and technology platforms to deliver customized and automated investment solutions, supported by affiliated tax and estate services and unique structural features.
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