Ability First
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$6,200,000
This total excludes 29 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Total clients
24
100% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
24
Average account size
$258,333
About
Ability First Financial works with high-net-worth individuals, business owners, and institutional plan clients — including pensions, profit-sharing plans, trusts, estates, charitable organizations, and corporate clients — providing investment supervisory services, financial planning, and business-consulting solutions. It also operates an insurance brokerage, offers non-custodial recordkeeping and qualified-plan administration, and coordinates tax-preparation services through an affiliated CPA/CFA.
The firm delivers consultative, primarily non‑discretionary advice and implements portfolios using approved third‑party managers, mutual funds, ETFs, REITs, and select alternative investments; investment policy statements and periodic (typically quarterly) reviews are documented for each client. Ability First applies a documented fiduciary framework (the firm’s Analyze → Strategize → Formalize → Implement → Monitor process) and emphasizes long-term relationships and tax‑mitigation strategies, including plan design and use of non‑traditional assets where appropriate.
Noteworthy for a small independent RIA, the firm combines advisory services with an insurance‑agency model (disclosing potential commissions) and offers specialized insurance work such as fixed‑indexed products, life‑settlement and premium‑financing services, which it bills and discloses separately. It also provides pension consulting and 401(k) plan design/recordkeeping on a retainer basis, runs informational sessions, and is pursuing designation as an Alternative Business Structure to provide legal document services — a mix of activities the brochure identifies as uncommon for firms of this size.
Client services
Financial planning
Portfolio management
Pension consulting
Selection of other advisers
Educational seminars or workshops
Expertise
Tax strategies for small businesses
Business ownership considerations
Business exit / sale strategy
Retirement plans for business owners (SEP, solo 401k)
General estate planning guidance
Occupation focus
Founder/Business Owner
Executive
Fee options
Less than $1,000,000 - $1,000,000: 2% $1,000,000 - $10,000,000: 1.5% $10,000,000+: 1%
Commissions for insurance-related products, disclosed conflicts of interest; variable insurance products only sold when AUM or zero compensation version available; fixed and equity index insurance products may be offered on commission or fee basis
Hourly billing for specific projects, generally planning or legal activities; billed on an as-earned basis; no specific rate stated
Account minimum: $1,000,000 general minimum; accounts less than $100,000 accepted on an exception-only basis; financial planning agreements have a $6,000 per year minimum; retainer agreements generally have a $2,000 per year minimum Minimum fee: Financial planning agreements have a $6,000 per year minimum; retainer agreements generally have a $2,000 per year minimum
Main office location
Ability First
2390 E Camelback Rd #130
Phoenix AZ 85021, United States
Number of offices
1
Most active in
Ability First has reported serving >5 clients in these states in the last 12 months.
Arizona
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
Forms ADV
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