# ECHO45 Advisors LLC

> ECHO45 Advisors LLC is an SEC-registered investment advisory firm in Walnut Creek, CA, registered since 2020, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated September 23, 2026.

- CRD: 307265
- Filed as: ECHO45 ADVISORS LLC
- Also doing business as: THIRD CURRENT WEALTH
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Walnut Creek, CA
- Filing period: October 2026
- Form ADV filing dated: September 23, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/307265
- AdvisorCensus page: https://advisorcensus.com/firm/echo45-advisors-llc-walnut-creek-ca-307265

## Quick answers

**How is ECHO45 Advisors LLC compensated?**
On its Form ADV (Item 5.E, October 2026), ECHO45 Advisors LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**Where is ECHO45 Advisors LLC located?**
ECHO45 Advisors LLC's principal office is in Walnut Creek, CA, according to its Form ADV.

**Is ECHO45 Advisors LLC registered with the SEC or a state?**
ECHO45 Advisors LLC is an SEC-registered investment advisory firm, registered since 2020. Status as filed: Approved. CRD 307265.

**How much does ECHO45 Advisors LLC manage?**
ECHO45 Advisors LLC reports $227,385,600 in regulatory assets under management in its Form ADV filing dated September 23, 2026 (98% discretionary).

**How have ECHO45 Advisors LLC's assets and staff changed since 2021?**
In the Form ADV data for ECHO45 Advisors LLC: Regulatory assets under management: $120,726,820 in the October 2021 data and $227,385,600 in the October 2026 data, up 88%. Total employees: 7 in October 2021 and 8 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does ECHO45 Advisors LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (139); high net worth individuals (62).

**Which custodians does ECHO45 Advisors LLC use?**
ECHO45 Advisors LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Altruist Financial LLC and Charles Schwab & Co., Inc. as custodians holding 10% or more of its separately managed account assets.

**Does ECHO45 Advisors LLC report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/307265

**What changed in ECHO45 Advisors LLC's recent Form ADV filings?**
In the October 2026 filing data: No longer lists the business name Sean O'Brien. Added the business name Third Current Wealth.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Custodians (Schedule D, Section 5.K(3))
- Altruist Financial LLC
- Charles Schwab & Co., Inc.

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $227,385,600
- Discretionary: $222,900,196
- Non-discretionary: $4,485,404

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 139 | $74,376,738 |
| High net worth individuals | 62 | $152,962,003 |
| Corporations or other businesses not listed above | Fewer than 5 | $46,859 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Pension consulting services
- Selection of other advisers (including private fund managers)

### Firm details
- Registered since: 2020 (6 years)
- Employees: 8 total, 4 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AZ, CA, LA, OR, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- echo45advisors.com
- echo45autopilot.com
- thirdcurrentwealth.com
- Facebook @ECHO45ADVISORS
- Instagram @ECHO45_ADVISORS
- LinkedIn @ECHO45ADVISORS
- X @ECHO45ADVISORS
- YouTube @echo45advisors51

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $120,726,820 | 7 | August 10, 2021 |
| October 2022 | $163,218,036 | 6 | September 23, 2022 |
| October 2023 | $145,368,902 | 7 | March 16, 2023 |
| October 2024 | $167,785,907 | 7 | August 1, 2024 |
| October 2025 | $194,875,409 | 7 | June 2, 2025 |
| October 2026 | $227,385,600 | 8 | September 23, 2026 |

Regulatory assets under management: $120,726,820 in the October 2021 data and $227,385,600 in the October 2026 data, up 88%.
Total employees: 7 in October 2021 and 8 in October 2026.

## Changes in the filing (last 12 months)

### October 2026
- No longer lists the business name Sean O'Brien.
- Added the business name Third Current Wealth.

### July 2026
- Added the business name Sean O'Brien.

### April 2026
- Regulatory assets under management went from $194,875,409 to $227,385,600 (+17%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. ECHO45 Advisors LLC (CRD 307265): Form ADV filing data as of October 2026.