F3 Capital
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$35,581,953
Clients
103
0% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
103
Very HighAverage account size
$345,456
About
F3 Capital provides portfolio management and financial planning to individuals, high‑net‑worth individuals, and small businesses, delivering personalized Investment Policy Statements and ongoing portfolio monitoring for roughly 100 client accounts totaling about $35.6 million in discretionary assets. Services focus primarily on mutual funds and insurance products, with an emphasis on index funds and annuities.
The firm applies modern portfolio theory and a long‑term trading strategy, implementing client‑specific investment policies and conducting at least quarterly account reviews. It manages accounts on both a discretionary and non‑discretionary basis and requires custody through Schwab Institutional for trade execution and reporting.
Distinctive features disclosed in the brochure include the use of borrowing (margin/leverage) in client accounts, a relatively uncommon practice among peers that increases potential risk and the possibility of margin calls. The firm’s principal also maintains insurance licensing and offers commissionable insurance and annuity products—an affiliation the firm discloses and documents as a conflict of interest—and the brochure notes a 2020 administrative consent order related to an insurance application.
Client services
Financial planning
Portfolio management
Expertise
Passive / index investing
Annuities
Fee options
$100 to $5,000 (negotiable)
<$500,000 - $500,000: 1.25% $500,001 - $1,000,000: 0.80% $1,000,001 - $3,000,000: 0.70% >$3,000,001+: Negotiable Fixed Pricing
$300/hour (negotiable)
Main office location
F3 Capital
155 Fleet Street, Suite 5
Portsmouth NH 03801, United States
Number of offices
1
Most active in
F3 Capital has reported serving >5 clients in these states in the last 12 months.
Maine · Massachusetts · New Hampshire · Texas
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.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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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.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
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