You First Financial LLC

You First Financial LLC is a small, supported advisory firm (two advisors, roughly 97 client relationships) that provides discretionary portfolio management and comprehensive financial planning to individual clients, including both non‑high‑net‑worth and high‑net‑worth households. As with many peers, advisory services are delivered on an ongoing basis and the firm generally charges asset‑based advisory fees while also introducing clients to third‑party money managers.

Investment management is provided primarily through the Betterment for Advisors platform, selecting ETFs, mutual funds and model portfolios and supervising any delegated independent managers; reliance on platform model portfolios can limit the firm’s ability to modify underlying holdings to meet certain client‑imposed restrictions. Financial planning and consulting are offered on a fixed‑fee basis with plans described as delivered within approximately fifteen days, and accounts are reviewed at least quarterly.

Noteworthy characteristics include routinely offering no‑charge educational seminars and workshops for the public — a service that is uncommon among comparable firms — and an affiliation with an in‑house insurance business, with a firm principal devoting roughly a quarter of his time to insurance activities and receiving commissions for insurance products. The firm also discloses referral arrangements with third‑party managers that provide an ongoing portion of advisory fees, and it states conflict‑mitigation measures such as written disclosures and its fiduciary obligation to act in clients’ best interests.