First Down Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$17,200,000
Clients
52
100% high-net worth
Advisors
1
of 10 employees
Firm type
Supported
1-3 advisors or $200M+ in AUM
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
52
TypicalAverage account size
$330,769
About
First Down Financial's portfolio division is a small Florida‑registered RIA that provides discretionary investment management and financial planning to high‑net‑worth individuals, pension/profit‑sharing and 401(k) plans, trusts, estates, and business entities. The firm typically implements its services through model asset‑allocation portfolios and also offers qualified plan services, including managed model portfolios and participant educational workshops.
The firm's investment approach is grounded in Modern Portfolio Theory and the efficient‑market hypothesis, using institutional DFA mutual funds as building blocks, model portfolios across five mandates (Income to Aggressive Growth), and occasional laddered bond strategies; accounts are reviewed by an investment committee and rebalanced when allocations drift. Custody and execution are generally arranged through Charles Schwab, and advisory fees are charged as a percentage of assets under management.
Several features in the brochure are uncommon among peers: the firm periodically distributes newsletters and runs seminars/workshops for plan participants and the public, and it discloses that its investment adviser representatives may also act as insurance agents and that the firm may present annuity or life‑insurance products and, on occasion, receive commissions despite describing the division as fee‑only. The firm also generally requires a $250,000 account minimum, does not accept performance‑based fees, and maintains a written fiduciary disclosure and documented investment policy statements for clients.
Client services
Financial planning
Portfolio management
Pension consulting
Newsletters or periodicals
Educational seminars or workshops
Expertise
Passive / index investing
Wealth management
Retirement plans for business owners (SEP, solo 401k)
Retirement income strategy
Fee options
$0 - $249,999: Maximum 1.75% annually (accepted at discretion of firm) $250,000 - $499,999: 1.5% - 2.0% $500,000 - $999,999: 1.25% $1,000,000 - $1,999,999: 1.10% $2,000,000 - $4,999,999: 0.90% $5,000,000 - $9,999,999: 0.75% $10,000,000+: Quoted on an individual basis
Account minimum: $250,000 Fee-only: Fee-only advisory services with no commissions on investment products except possible insurance commissions from separate insurance sales activities.
Main office location
First Down Financial
1942 West Cr 419, Suite 1030
Oviedo FL 32766, United States
Number of offices
2
Most active in
First Down Financial has reported serving >5 clients in these states in the last 12 months.
California · Florida
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
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