Echo45 Advisors provides financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other managers, divorce planning, education planning, estate planning, insurance, philanthropic planning, and tax planning. Financial planning was provided to 101–250 clients last fiscal year.
Echo45 Advisors reports 201 clients. They include 139 individual clients and 62 high-net-worth individuals. Of its assets, 98.0% ($223M across 567 accounts) are managed with discretion; $4.49M across 32 accounts are not. It advised 5 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 69% | 33% |
| High-net-worth individuals | 31% | 67% |
| Corporations and other businesses | Fewer than 5 | <1% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 139 | $74.4M | 32.7% | $535K |
| High-net-worth individuals | 62 | $153M | 67.3% | $2.47M |
| Corporations and other businesses | Fewer than 5 | $46.9K | 0.0% | — |
| Total | 201 | $227M | 100% | — |
- Clients
- 139
- Regulatory AUM
- $74.4M
- AUM share
- 32.7%
- Avg. per client
- $535K
- Clients
- 62
- Regulatory AUM
- $153M
- AUM share
- 67.3%
- Avg. per client
- $2.47M
- Clients
- Fewer than 5
- Regulatory AUM
- $46.9K
- AUM share
- 0.0%
- Avg. per client
- —
Total
- Clients
- 201
- Regulatory AUM
- $227M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 5
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 101–250
Echo45 Advisors is paid through a percentage of assets under management, hourly charges and fixed fees (other than subscription fees). The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices 2 other services, listed under fee details.
Fee details and sources
Other fees
- Financial Planning
- Financial planning is a project-based or recurring subscription fee; flat fees will not exceed $20,000.
- Retirement Plan Consulting
- Retirement plan consulting is billed as a percentage of plan assets under management, not to exceed 1.00%.
Jon Henderson Living Trust owns 75% or more of Echo45 Advisors and is in turn owned by Jon Henderson (75% or more). The leadership team of Echo45 Advisors includes Chief Investment Officer Jon Henderson and Chief Compliance Officer David Reichert. It has 8 employees, 4 of them in advisory roles.
Staff
- 8 employees
- 4 in advisory functions
- 4 state-registered reps
- Owns 75% or more of Echo45 Advisors LLC
Jon Henderson Living Trust
Control person · since February 2020
- Owns 75% or more of Jon Henderson Living Trust
Jon Henderson
Control person · since April 2015
Echo45 Advisors’ regulatory assets grew 1.9× from $121M (April 2021) to $227M (September 2026); clients rose from 140 to 201 and employees from 7 to 8.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Sep 2026September 2026 | $227M | 201 | 8 | 1 |
| Jun 2025June 2025 | $195M | 198 | 7 | 1 |
| May 2024May 2024 | $168M | 187 | 7 | 1 |
| Mar 2023March 2023 | $145M | 180 | 7 | 1 |
| Mar 2022March 2022 | $163M | 167 | 6 | 1 |
| Apr 2021April 2021 | $121M | 140 | 7 | 2 |
Besides its headquarters, Echo45 Advisors has 0 offices, with 1 listed address in 1 state.
California · 1 listed address
- 1802 Tice Valley BLVD, Walnut CreekHQ
Other business names
Echo45 Advisors has reported 1 other business name to the SEC.
- Third Current Wealth
Contact and registration details
- Legal name
- Echo45 Advisors LLC
- Headquarters
- 1802 Tice Valley BLVD, Walnut Creek, CA 94595
- Website
- echo45advisors.com
- Phone
- 877-432-4645
- @echo45advisors
- SEC file
- 801-118109
- Founded
- 2020
- Structure
- California LLC
- Fiscal year end
- December
Echo45 Advisors’ named custodians for separately managed accounts are Charles Schwab ($167M, 83%) and Altruist ($33.1M, 17%). Echo45 Advisors has custody of $74.1M for 105 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $167M83%
- AltruistAltruist Financial LLC · Culver City, CA · $33.1M17%
At year end, Echo45 Advisors’ separately managed accounts were mostly in funds (71%) and stocks (21%). Its reported 13F holdings for the quarter ended 30 June 2026 total $194M across 78 positions; the largest are Vanguard Tax-managed Fds (12.9%), Invesco Exchange Traded FD T (9.6%) and Vanguard Intl Equity Index F (5.5%).
What the accounts hold
- Stocks21%
- Funds71%
- Cash8%
How many clients does Echo45 Advisors have?
Echo45 Advisors has 201 clients and manages $227 million for them, as of September 2026. They include 139 individual clients and 62 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 23 September 2026
What services does Echo45 Advisors offer?
Echo45 Advisors provides financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other managers, divorce planning, education planning, estate planning, insurance, philanthropic planning, and tax planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
Which custodians does Echo45 Advisors use?
Echo45 Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $167M and Altruist Financial LLC (Culver City, CA), with $33.1M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 23 September 2026
How many financial advisors does Echo45 Advisors have?
Echo45 Advisors has 4 investment adviser representatives registered with state securities authorities, out of 8 employees, and 4 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Echo45 Advisors invest in?
At the end of its last fiscal year, Echo45 Advisors’ separately managed accounts held 71% registered funds (mutual funds, ETFs, BDCs), 21% exchange-traded equities and 8% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Echo45 Advisors?
Echo45 Advisors is owned through a trust by Jon Henderson. Its direct owner is Jon Henderson Living Trust (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 23 September 2026
How does Echo45 Advisors get paid?
Echo45 Advisors is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Echo45 Advisors?
Echo45 Advisors’ main office is at 1802 Tice Valley BLVD, Walnut Creek, CA 94595. Its phone number is 877-432-4645. Its website is echo45advisors.com.
