A5 Financial LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
A5 Financial provides discretionary asset management and financial planning to individual and high‑net‑worth clients, offering ongoing portfolio management, customized financial plans and shorter consultation engagements. The firm also offers public seminars and workshops on investments and its services, and charges asset‑based advisory fees for managed accounts and hourly fees for planning work.
The firm typically manages portfolios on a discretionary basis and uses a mix of fundamental, technical, charting and cyclical analysis across equities, fixed income, mutual funds and ETFs. It frequently deploys third‑party platforms and sub‑advisors (including turnkey model platforms and portfolio‑management services) and performs monthly reviews and ongoing monitoring of accounts.
A5 Financial is notable for its close business affiliations: the firm is tied to both an insurance affiliate and an accounting affiliate, and its principals spend material time on those insurance and accounting activities; insurance commissions and related conflicts are disclosed and described in the brochure along with firm controls and fiduciary commitments to mitigate them. The firm is a recent entrant and operates with a relatively small client base and AUM, and it explicitly offers fee‑based educational seminars and workshops as a regular part of its public outreach.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
1.00% annually
$250 per hour for financial planning services, fees negotiable
Main office
22722 29th Dr SE, Suite 100
Bothell WA 98021
Advisors at this office
2
Most active in
Washington
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
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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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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
Advisors at this firm
John C
Series 63, Series 66
Bothell, WA
A5 Financial LLC
John Carruthers is a financial advisor at A5 Financial LLC with 15 years of industry experience. He holds the Series 63 and Series 66 designations and has previously worked at firms including Fidelity Personal and Workplace Advisors and Wells Fargo Clearing. In addition to his advisory role, he is involved in related business activities as an insurance agent and accountant through affiliates connected to his firm. A5 Financial provides discretionary asset management and financial planning services to individual and high-net-worth clients. The firm uses a combination of fundamental, technical, charting, and cyclical analysis and offers public seminars and workshops alongside ongoing portfolio management.
Neil F
CFP®, Series 66
Bothell, WA
A5 Financial LLC
Neil Fenning is a CFP® with 10 years of industry experience, currently serving as a financial advisor at A5 Financial LLC in Bothell, WA. His prior roles include positions at Charles Schwab, Ameriprise Financial Services, and Decker Retirement Planning. In addition to his advisory work, he is also an insurance agent affiliated with A5 Assurance LLC. A5 Financial provides discretionary asset management and financial planning services to individual and high-net-worth clients, utilizing a combination of fundamental, technical, and cyclical analysis. The firm conducts public seminars and workshops and maintains close business ties with insurance and accounting affiliates.
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