Ability First

Ability First Financial is an independent advisory firm that serves high‑net‑worth individuals, business owners, and corporate pension and profit‑sharing plans, providing investment advice, financial and business planning, and third‑party administrator (TPA) and plan administration services. It advises individuals, trusts, estates, charitable organizations and businesses and also offers tax consulting and insurance brokerage services as part of its service mix.

The firm constructs portfolios primarily through approved third‑party money managers, mutual funds, ETFs and alternative vehicles (including REITs and private placements), and documents client goals with investment policy statements and periodic reviews. Ability First typically provides non‑discretionary advice—leaving final investment decisions to clients—while accepting limited discretionary authority in certain circumstances.

Notable aspects that distinguish the firm from many solo independent advisers are its explicit pension consulting and TPA focus combined with corporate plan work, its operation as both an RIA and an affiliated insurance brokerage, and a reported asset profile weighted toward non‑discretionary relationships (approximately $10 million non‑discretionary versus $2.5 million discretionary). The brochure also discloses the firm’s use of affiliated tax professionals, the sale or facilitation of insurance products (including complex life‑insurance arrangements), and participation in joint marketing or informational events, with associated conflict disclosures.