Stephen Vettorel is a financial advisor at First Down Financial with 20 years of industry experience. He holds Series 63, 65, and 66 credentials and has previously worked at firms including Fisher Investments and Brookstone Capital Management. In addition to his advisory role, he is the founder and president of Riptide Financial, LLC, an insurance agency. First Down Financial provides discretionary portfolio management, financial planning, and qualified-plan advisory services primarily for high-net-worth individuals as well as pension, trust, and business clients. The firm uses a Modern Portfolio Theory-based investment approach with passive asset-class implementation and actively engages clients through educational programs and managed model portfolios.

Jaden Gallion is a financial advisor at First Down Financial based in Scottsdale, AZ. He holds a Series 65 license and has three years of industry experience. His prior work includes roles at Allied Elite Financial, West Coast Financial, Mt. Spokane, and RW Gallion Inc. First Down Financial provides discretionary portfolio management, financial planning, and qualified-plan advisory services primarily for high-net-worth individuals, pension, trust, and business clients. The firm employs a Modern Portfolio Theory-based, passive asset-class investment approach and actively engages in client education through newsletters, seminars, and workshops.