EFG Financial, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
EFG Financial, LLC works with individuals, high‑net‑worth individuals, and businesses to provide retirement planning, portfolio management, and recommendations to third‑party investment advisers. Retirement planning is delivered through client interviews and software (and is complimentary for clients who invest $100,000 or more), while portfolio management is offered on a non‑discretionary basis.
The firm’s investment approach is grounded in modern portfolio theory and proprietary model portfolios, with disciplined rebalancing and an emphasis on tax efficiency and concentration management when appropriate. EFG conducts due diligence on recommended third‑party advisers (including fees, performance, and reporting capabilities), relies on custodians such as Charles Schwab and SEI for custody and trade execution, and performs semi‑annual portfolio reviews.
Notable distinctions include an affiliation with an insurance business: the managing member is a licensed insurance agent with Eminence Financial Group and may receive commissions for insurance sales, a conflict disclosed in the brochure. The firm also does not directly maintain custody or directly manage client assets but instead monitors and advises on assets held with third‑party managers and arranges co‑adviser or solicitor relationships — a service model that differs from many peers — and operates with a small advisory team supporting a modest client base.
Client services
Expertise
Fee options
$500 (retirement planning flat fee, negotiable and may be waived)
$0 - $1,000,000: 1.00% annually Above $1,000,000+: 0.90% annually
Account minimum: $50,000
Main office
1500 E. Beltline Ave SE, Suite 205
Grand Rapids MI 49506
Advisors at this office
2
Most active in
Michigan · Texas
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.
Forms ADV
Advisors at this firm
Kelly G
Series 65
Grand Rapids, MI
EFG Financial, LLC
Kelly Gilbert is a Series 65-licensed financial advisor with 10 years of industry experience. He is associated with EFG Financial, LLC and has held roles at firms including Blue Yonder Corp and Eminence Financial Investing. Gilbert is also a co-owner of Eminence Financial Group, where he is involved in life insurance and annuity sales. EFG Financial, LLC serves individuals, high-net-worth clients, and businesses by providing retirement planning, portfolio management, and advisory services to third-party investment advisers. The firm utilizes a modern portfolio theory-based approach with proprietary models, disciplined rebalancing, and tax efficiency, while overseeing assets through third-party managers.
Shawn F
Series 63, Series 66
Grand Rapids, MI
EFG Financial, LLC
Shawn Fair is a financial advisor with EFG Financial, LLC in Grand Rapids, MI, holding Series 63 and Series 66 designations and having four years of industry experience. His prior roles include positions with Thrivent Financial and New York Life Insurance Co. Outside of advising, he is a co-founder and business manager of FAIR ORGANICS LLC, which produces additive-free healthcare and food products. EFG Financial, LLC serves individuals, high-net-worth clients, and businesses with retirement planning and non-discretionary portfolio management. The firm uses a modern portfolio theory-based approach with proprietary models, focusing on tax efficiency and concentration management while overseeing assets managed by third-party advisers.
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