Front Street Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$21,202,403
Clients
20
Advisors
1
of 1 employees
About
Front Street Financial provides financial planning and investment management to individuals, high‑net‑worth clients, charitable organizations, and businesses. Services include ongoing portfolio management, limited‑scope and comprehensive financial planning (project‑based and recurring engagements), and monitoring of held‑away retirement and education accounts; advisory fees are generally assessed as a percentage of assets under management.
The firm constructs individualized portfolios using fundamental analysis and modern portfolio theory with a long‑term, asset‑allocation focus, and it monitors held‑away accounts (401(k), 403(b), HSA, and 529 plans) using the BuyAllAccounts platform to support observation and opportunistic rebalancing. It generally operates in a non‑discretionary capacity—requiring client authorization before trades—and may engage an unaffiliated sub‑advisor (SyntheticFi) for specialized or derivatives‑based strategies when appropriate.
Distinctive features include reporting $0 discretionary and $21,599,926 non‑discretionary assets (as of December 31, 2025), indicating an uncommon emphasis on non‑discretionary relationships for an independent adviser. The firm also serves charitable organization clients (an uncommon client type among peers), uses third‑party tools and sub‑advisors for held‑away and complex strategies, and operates as a fee‑only fiduciary with a CFP‑certified principal who participates in nonprofit board service.
Client services
Expertise
Occupation focus
Fee options
$0 - $1,000,000: 1.25% annually $1,000,001 - $2,000,000: 1.10% annually $2,000,001 - $3,000,000: 1.00% annually $3,000,001 - $5,000,000: 0.80% annually $5,000,001 - $10,000,000: 0.60% annually $10,000,001 - $20,000,000: 0.45% annually $20,000,001+: 0.35% annually
$375 per hour for Financial Transformation financial planning
Financial Freedom ongoing financial planning: $400 to $1,000 per month, paid monthly in advance
Fee-only: Financial Freedom service: $400 to $1,000 per month, recurring fixed fee; Financial Transformation service: $375 per hour
Main office
Lahaina HI
Advisors at this office
1
Most active in
Hawaii
Also doing business as
Front Street Financial · Front Street Financial 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 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.
Forms ADV
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