Effective Assets

Specializing in Socially Responsible Investing (SRI) for over 22 years, Effective Assets provides goal-oriented, fee-based financial planning to individuals, families and business owners. Our services include SRI portfolio management, values-based retirement and estate planning, and helping non-profits align their investments with their mission. At Effective Assets we assist our clients in using their investments to create a more prosperous and sustainable future for themselves, their families and the world. Securities offered through Cambridge Investment Research, Inc.(CIR), a Broker/Dealer, Member FINRA/SIPC. Lincoln Pain is an Investment Advisor Representative of First Affirmative Financial Network, LLC (FAFN), a Registered Investment Advisor. Justin Martello is an Investment Advisor Representative of Cambridge Investment Research Advisors, Inc, a Registered Investment Advisor. FAFN and Effective Assets are not affiliated with CIR. Lincoln Pain's California Insurance License is #0725184. Justin Martello's California Insurance License is