Effective Assets
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Effective Assets is a small SEC‑registered investment adviser that manages roughly $165 million in client assets and provides discretionary portfolio management and comprehensive financial planning to individuals, high‑net‑worth households, trusts, retirement plans, charitable organizations, and select businesses. The firm also advises on retirement accounts and may recommend or use third‑party sub‑advisers and alternative investments when suitable.
The firm emphasizes socially responsible investing, integrating environmental, social, and governance (ESG) analysis and allowing client‑imposed social screens when constructing individualized asset allocation targets. Investment supervision is discretionary and guided by client objectives, risk tolerance, and liquidity needs, with periodic reviews and the option to include direct participation programs and private equity allocations.
What is noteworthy about Effective Assets relative to many peers is its regular client communications in the form of free quarterly newsletters, a practice that is uncommon among similar firms. The firm also discloses several operational distinctions — it typically implements trades on an individual basis rather than block trading, does not provide separate written investment reports to managed‑account clients, and is led by a CFP®‑certified principal who also maintains insurance licenses.
Client services
Expertise
Fee options
Financial Planning Fixed Fee ranging from $1,500 to $3,000 depending on complexity and client needs; negotiable.
$0 - $500,000: Individual Bonds: 0.75% $0 - $500,000: Stocks and Funds: 1.25% $500,000 - $1,000,000: Individual Bonds: 0.75% $500,000 - $1,000,000: Stocks and Funds: 1.10% $1,000,000 - $3,000,000: Individual Bonds: 0.75% $1,000,000 - $3,000,000: Stocks and Funds: 1.00% $3,000,000 - $5,000,000: Individual Bonds: 0.75% $3,000,000 - $5,000,000: Stocks and Funds: 0.90% $5,000,000 - $10,000,000: Individual Bonds: 0.75% $5,000,000 - $10,000,000: Stocks and Funds: 0.75% $10,000,000 - $20,000,000: Individual Bonds: 0.65% $10,000,000 - $20,000,000: Stocks and Funds: 0.65% $20,000,000+: Negotiable for both Individual Bonds and Stocks and Funds
Financial Planning hourly fee of $200 per hour, billed in 15-minute increments; negotiable.
Account minimum: $1,000,000 Fee-only: Financial Planning Fixed Fee ranging from $1,500 to $3,000 depending on complexity and client needs; negotiable.
Main office
Haslett MI
Advisors at this office
1
Most active in
California · Michigan · Texas
Also doing business as
Effective Assets · Effective Assets, Inc.
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.
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