The Main Street Group provides financial planning, portfolio management for individuals and small businesses, business succession planning, divorce planning, education planning, estate planning, insurance, retirement plan services, and tax planning. Financial planning was provided to 251–500 clients last fiscal year.
The Main Street Group reports 765 clients. They include 589 individual clients, 122 high-net-worth individuals, and 21 pension and profit-sharing plans. Of its assets, 100.0% ($515M across 2,488 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 77% | 52% |
| High-net-worth individuals | 16% | 45% |
| Pension and profit-sharing plans | 3% | 2% |
| Charitable organizations | 2% | <1% |
| Corporations and other businesses | 2% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 589 | $270M | 52.4% | $458K |
| High-net-worth individuals | 122 | $233M | 45.2% | $1.91M |
| Pension and profit-sharing plans | 21 | $8.65M | 1.7% | $412K |
| Charitable organizations | 14 | $821K | 0.2% | $58.7K |
| Corporations and other businesses | 19 | $2.96M | 0.6% | $156K |
| Total | 765 | $515M | 100% | $674K |
- Clients
- 589
- Regulatory AUM
- $270M
- AUM share
- 52.4%
- Avg. per client
- $458K
- Clients
- 122
- Regulatory AUM
- $233M
- AUM share
- 45.2%
- Avg. per client
- $1.91M
- Clients
- 21
- Regulatory AUM
- $8.65M
- AUM share
- 1.7%
- Avg. per client
- $412K
- Clients
- 14
- Regulatory AUM
- $821K
- AUM share
- 0.2%
- Avg. per client
- $58.7K
- Clients
- 19
- Regulatory AUM
- $2.96M
- AUM share
- 0.6%
- Avg. per client
- $156K
Total
- Clients
- 765
- Regulatory AUM
- $515M
- AUM share
- 100%
- Avg. per client
- $674K
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 251–500
The Main Street Group 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 Services
- Financial planning is billed hourly at up to $400, or as fixed fees generally from $500 to $5,000, with 50% of the fee in advance.
- Retirement Plan Consulting
- Retirement plan consulting is charged as a percentage of plan assets, not to exceed 2%, under a separate agreement.
Thomas Love owns 75% or more of The Main Street Group. Thomas Love is CEO; the leadership team includes Chief Operating Officer Chelsea Delgado. It has 13 employees, 8 of them in advisory roles.
Leadership
- Thomas LoveManaging Member, President, Chief Executive Officer & Chief Compliance Officer
- Chelsea DelgadoChief Operating Officer
Investment adviser representatives
9 representatives listed in the SEC register as of 9 October 2026.
Staff
- 13 employees
- 8 in advisory functions
- 8 state-registered reps
- 4 broker-dealer reps
- 6 insurance agents
- Owns 75% or more of The Main Street Group, LTD
Thomas Love
Control person · since September 2019
The Main Street Group’s regulatory assets grew 2.5× from $207M (March 2021) to $515M (September 2026); clients rose from 624 to 765 and employees were 13 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| September 2026 | $515M | 765 | 13 | 2 |
| April 2025 | $415M | 2,178 | 13 | 2 |
| July 2024 | $325M | 1,092 | 13 | 2 |
| June 2023 | $224M | 818 | 13 | 2 |
| May 2022 | $276M | 923 | 13 | 2 |
| March 2021 | $207M | 624 | 13 | 2 |
Besides its headquarters, The Main Street Group has 1 office, with 2 listed addresses in Virginia.
Virginia · 2 listed addresses
- 4510 Cox Road, Suite 102, Glen AllenHQ
- 9697-A Main Street, Fairfax
Contact and registration details
- Legal name
- The Main Street Group, LTD
- Headquarters
- 4510 Cox Road, Suite 102, Glen Allen, VA 23060
- Website
- themainstreetgroup.com
- Phone
- 804-270-4470
- @themainstreetgroup
- SEC file
- 801-113192
- Founded
- 2005
- Structure
- Virginia corporation
- Fiscal year end
- December
The Main Street Group uses Charles Schwab ($515M) as custodian for its separately managed accounts. The Main Street Group does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $515M100%
At year end, The Main Street Group’s separately managed accounts were mostly in funds (82%) and stocks (11%). Its reported 13F holdings for the quarter ended 30 June 2026 total $429M across 863 positions; the largest are Proshares Ultra Qqq (23.5%), Proshares Ultra S&P500 (18.8%) and Pgim Ultra Short Bond ETF (8.5%).
What the accounts hold
- Stocks11%
- Funds82%
- Bonds6%
- Cash1%
Reported 13F holdings
- $429M
- Reported 13F value
- 863
- Positions
- 71.8%
- In the 10 largest
- +26.1%
- Value vs. prior quarter
- Proshares Ultra Qqq · Stok23.5%
- Proshares Ultra S&P500 · Stok18.8%
- Pgim Ultra Short Bond ETF · Stok8.5%
- Pgim Aaa Clo ETF · Stok7.1%
- Vanguard FTSE All-world Ex-us Index Fund ETF Shares · Stok4.3%
- Invesco Qqq TR · Stok2.5%
- Proshares Ultrapro Qqq · Stok2.0%
- Microsoft Corp. · Stok2.0%
- Proshares Ultrapro S& P500 · Stok1.5%
- Range Nuclear Renaissance ETF · Stok1.5%
Together, the ten largest are 71.8% of reported value.
How many clients does The Main Street Group have?
The Main Street Group has 765 clients and manages $515 million for them, as of September 2026. They include 589 individual clients, 122 high-net-worth individuals, and 21 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 14 September 2026
What services does The Main Street Group offer?
The Main Street Group provides financial planning, portfolio management for individuals and small businesses, business succession planning, divorce planning, education planning, estate planning, insurance, retirement plan services, 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 The Main Street Group use?
The Main Street Group’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $515M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 14 September 2026
How many financial advisors does The Main Street Group have?
The Main Street Group has 8 investment adviser representatives registered with state securities authorities, out of 13 employees, and 8 perform investment advisory functions. 4 employees are registered representatives of a broker-dealer and 6 employees are 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 The Main Street Group invest in?
At the end of its last fiscal year, The Main Street Group’s separately managed accounts held 82% registered funds (mutual funds, ETFs, BDCs), 11% exchange-traded equities, 6% U.S. government and agency bonds and 1% 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 The Main Street Group?
The Main Street Group’s direct owner is Thomas Love (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 14 September 2026
How does The Main Street Group get paid?
The Main Street Group 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
Is The Main Street Group registered with the SEC?
Yes, The Main Street Group has been registered with the SEC as an investment adviser since 8 May 2018. Its CRD number is 175502 and its SEC file number is 801-113192.
Source: Form ADV Part 1A, Item 1, filed 14 September 2026; IAPD firm record
How do I contact The Main Street Group?
The Main Street Group’s main office is at 4510 Cox Road, Suite 102, Glen Allen, VA 23060. Its phone number is 804-270-4470. Its website is themainstreetgroup.com.