Piedmont, CA Wildwood Avenue Office

First and Main Financial advises individual clients and revocable trusts and also provides financial planning and investment education to pension plan participants. As of January 28, 2026 the firm reports managing about $165.3 million on a discretionary basis across roughly 122 client accounts.

The firm constructs portfolios primarily with mutual funds and exchange-traded funds, including some commission-free index ETFs, and allocates across a broad set of sectors and fixed-income types — domestic small-, mid-, and large-cap equities; developed and emerging international markets; global real estate; and a range of bonds including state-specific municipal bonds, hedged, and inflation-protected issues. Portfolios are managed with a long-term orientation and periodic rebalancing, with asset mixes adjusted for client age, risk tolerance, and cash needs rather than by attempting market timing.

Distinctive features noted in the brochure include a required custodial relationship with Charles Schwab, from which the firm receives institutional products and services that present a potential conflict of interest, and a compact three-advisor team combining CFP and CFA credentials. The firm typically applies a $500,000 onboarding guideline that may be waived, commonly waives ongoing planning charges for clients who become asset management clients, and offers participant-level pension advice in addition to individual account management.