First Wealth Advisory, Inc.

First Wealth Advisory provides advisory services to a mix of individuals, high-net-worth clients, trusts and estates, pension and profit‑sharing plans, charitable organizations, and corporations. The firm offers ongoing discretionary portfolio management, written financial planning, and retirement-account services including 401(k) plan reviews and participant account management.

The firm tailors portfolios to each client’s goals, time horizon and documented risk tolerance using an Investment Policy Statement and periodic reviews; it may use ETFs, mutual funds, individual securities and quantitative tools (including optimization and computer models) and can employ option strategies where appropriate. For held‑away retirement accounts it uses a third‑party order‑management platform (Pontera) to facilitate connections and rebalancing without taking custody, and it relies on third‑party vendors and institutional custodial technology for reporting and trade support.

What is distinctive in the brochure is that the firm’s principal is a licensed insurance agent and the firm discloses an economic incentive to recommend insurance and related products, and it explicitly discusses rollover options that can include placing assets into commission‑based accounts — practices that can create conflicts of interest that are less common among solo independent advisers. The firm’s stated work with corporations and plan participants and its use of a third‑party platform for participant account management are also less typical for firms of this size and structure.