F2 F Retirement, LLC

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Client assets under management

$37,000,000

Clients

350

0% high-net worth

Advisors

of 3 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

117

Very High

Average account size

$105,714

About

The firm primarily serves individual investors (with occasional small-business or nonprofit engagements), offering discretionary and non‑discretionary portfolio management alongside comprehensive financial planning, written plans, and annual reviews. It provides implementation options that can include mutual funds, ETFs, bonds, options, annuities, and insurance products, and distributes a quarterly newsletter to clients.

The firm’s investment process combines fundamental analysis of issuers with technical analysis and charting tools; accounts are monitored daily and most portfolio management is offered on a discretionary basis. Its technical approach can involve market‑timing style decisions and active strategies that may include options, the use of margin, and—rarely—private placement opportunities, all of which carry higher risk than passive strategies.

Notable differences from many peers include that the firm’s advisory representatives hold insurance licenses and may sell annuities or other insurance products for commissions, a relationship the firm discloses as a potential conflict of interest. The practice emphasizes serving a broad base of individual clients rather than high‑net‑worth households and supplements advisory work with educational communications and periodic seminars or workshops.

Client services

Financial planning Portfolio management Educational seminars or workshops Market timing

Expertise

Annuities Equity compensation tax strategy

Occupation focus

Retired Founder/Business Owner

Demographic focus

Approaching retirement

Fee options

Fixed

$1,500 fixed fee for Comprehensive Financial Plan; $500 fixed fee for Annual Financial Plan Review.

Percentage

Under $100,000 - $99,999: 2 percent per annum $100,000 - $499,999: 1.75 percent per annum $500,000+: 1.5 percent per annum

Commissions

Insurance commissions earned by licensed insurance agents affiliated with the firm for sales of insurance products; these commissions are separate and disclosed to clients.

Project-based

$150 per hour for Separate Financial Planning Consultations.

Other

Account minimum: $0 (no stated minimum for clients to open an account or engage services) Fee-only: Advisory fees for portfolio management and fixed fees/hourly fees for financial planning; no commissions on securities sales (except insurance commissions by licensed agents separately).

Main office location

F2 F Retirement, LLC

185 N Main St, Ste 601

Tooele UT 84074, United States

Number of offices

Most active in

Utah

Disclosures

Business activities & affiliations

Is active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Real estate agent

They facilitate real estate transactions and may earn commissions.

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.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

Website 435-224-4888

Advisors at this firm

Trent S

Series 65

Grantsville, UT

F2 F Retirement, LLC

Trent Stirling is a financial advisor at F2 F Retirement, LLC, holding a Series 65 credential with 11 years of industry experience. He has served as a seminary teacher for the LDS Church since 2012, teaching high school students about religion. He is also an independent real estate agent. F2 F Retirement primarily serves individual investors, offering both discretionary and non-discretionary portfolio management along with comprehensive financial planning. The firm combines fundamental and technical analysis in its investment approach and provides various implementation options, including mutual funds, ETFs, bonds, options, and annuities.

Annuities Equity compensation tax strategy Retired Founder/Business Owner Approaching retirement

Philip E

Series 63, Series 66

Tooele, UT

F2 F Retirement, LLC

Philip Eldredge is a financial advisor at F2 F Retirement, LLC with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Deseret First Credit Union. In addition to his advisory role, he sells life insurance as an independent agent, a business he began while at Fidelity Investments. F2 F Retirement primarily serves individual investors, offering discretionary and non-discretionary portfolio management along with comprehensive financial planning and annual reviews. The firm combines fundamental and technical analysis in its investment process and provides clients with a range of implementation options including mutual funds, ETFs, bonds, options, annuities, and insurance products.

Annuities Equity compensation tax strategy Retired Founder/Business Owner Approaching retirement

Lance M

Series 63, Series 65, Series 66

Tooele, UT

F2 F Retirement, LLC

Lance Mccubbins is a financial advisor with F2 F Retirement, LLC, holding Series 63, 65, and 66 licenses and bringing 24 years of industry experience. He has been with F2 F Retirement since 2011. In addition to his advisory role, he owns L7 Insurance, where he sells life insurance, annuities, and other health-related policies. F2 F Retirement primarily serves individual investors with discretionary and non-discretionary portfolio management and comprehensive financial planning. The firm uses a combination of fundamental and technical analysis, offering active strategies that may include options and margin, and provides clients with educational communications and periodic seminars.

Annuities Equity compensation tax strategy Retired Founder/Business Owner Approaching retirement

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