Mainland Financial

Mainland Financial is a single-advisor, fee-only investment advisory firm that serves individuals, trusts, and small-business owners with discretionary portfolio management and separate hourly financial planning engagements. The firm provides ongoing portfolio management services alongside comprehensive and limited financial planning, and includes tax planning in its financial planning work while not offering tax preparation or insurance sales.

The firm’s investment process combines fundamental and technical analysis and primarily uses exchange-listed stocks, bonds, non‑leveraged ETFs, CDs and money‑market instruments, with portfolios governed by a written Investment Policy Statement and daily monitoring and quarterly account reviews. Clients grant discretionary trading authority for managed accounts, and the firm prepares quarterly performance reports using third‑party portfolio software while recommending a national custodian for trade execution and custody.

Compared with many peers, Mainland Financial operates with a small client roster and a single advisor managing a meaningful amount of assets, and its practice includes relatively large account and annual minimums for newer managed accounts and an hourly planning fee model that typically produces a multi‑thousand‑dollar initial plan cost. The firm also maintains a fee‑only stance (no commissions), does not offer wrap or insurance products, and discloses that it may pass through certain custodian or portfolio‑management software charges to clients.