F2 F Retirement, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
F2F Retirement, LLC is a state-registered investment adviser that primarily serves individual clients and, occasionally, small businesses and non-profits, providing portfolio management and financial planning services. The firm offers a free initial consultation, comprehensive written financial plans, annual plan reviews, and both discretionary and non-discretionary portfolio management engagements.
Portfolios are generally managed on a discretionary basis and the firm employs both fundamental and technical analysis — including charting and stock screeners to identify trends and timing — when selecting investments. Recommended holdings may include exchange-listed stocks, mutual funds, index funds, ETFs, stock options, bonds, annuities and, in rare cases, private placements, and accounts are monitored regularly with monthly reviews tied to fee calculations.
Several of the firm’s investment adviser representatives hold active insurance licenses and may sell insurance and annuity products for separate commissions; the brochure discloses this potential conflict of interest and requires representatives to inform clients when such recommendations are made. The firm also highlights bilingual capability (Spanish), long industry experience among its advisers, a client base focused on non‑high‑net‑worth individuals, and client communications such as a quarterly newsletter.
Client services
Expertise
Occupation focus
Fee options
Comprehensive Financial Plan charged $1,500 fixed fee; Annual Financial Plan Review charged $500 fixed fee
$0 - $99,999: 2% per annum $100,000 - $499,999: 1.75% per annum $500,000+: 1.5% per annum
Insurance commissions earned by individual IA Reps for sales of insurance products, paid separately and disclosed as a conflict of interest
Separate Financial Planning Consultations charged at $150 per hour
Fee-only: Comprehensive Financial Plan: $1,500 fixed fee; Annual Financial Plan Review: $500 fixed fee; Separate Financial Planning Consultation: $150 hourly fee
Main office
See office185 N Main St, Ste 601
Tooele UT 84074
Advisors at this office
2
Offices (2)
Most active in
Utah
Also doing business as
Anchorage Accounting · F2 F Retirement, LLC · Johnson Equipment Co · L7 Insurance · Mccubbins, Lance Lane
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.
Real estate agent
They facilitate real estate transactions and may earn commissions.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Lawyer
They provide legal services, typically billed separately.
Forms ADV
Advisors at this firm
Trent S
Series 65
Grantsville, UT
F2 F Retirement, LLC
Trent Stirling is a financial advisor at F2 F Retirement, LLC, holding a Series 65 credential with 11 years of industry experience. He has served as a seminary teacher for the LDS Church since 2012, teaching high school students about religion. He is also an independent real estate agent. F2 F Retirement primarily serves individual investors, offering both discretionary and non-discretionary portfolio management along with comprehensive financial planning. The firm combines fundamental and technical analysis in its investment approach and provides various implementation options, including mutual funds, ETFs, bonds, options, and annuities.
Philip E
Series 63, Series 66
Tooele, UT
F2 F Retirement, LLC
Philip Eldredge is a financial advisor at F2F Retirement, LLC with 19 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Fidelity and TD Ameritrade in various roles. Additionally, he sells life insurance as an independent agent, a business he began while at Fidelity. F2F Retirement, LLC is a state-registered investment adviser serving primarily individual clients, as well as small businesses and non-profits. The firm provides portfolio management and financial planning services, employing both fundamental and technical analysis in discretionary portfolio management.
Lance M
Series 63, Series 65, Series 66
Tooele, UT
F2 F Retirement, LLC
Lance Mccubbins is a financial advisor with F2 F Retirement, LLC, holding Series 63, 65, and 66 licenses and bringing 24 years of industry experience. He has been with F2 F Retirement since 2011. In addition to his advisory role, he owns L7 Insurance, where he sells life insurance, annuities, and other health-related policies. F2 F Retirement primarily serves individual investors with discretionary and non-discretionary portfolio management and comprehensive financial planning. The firm uses a combination of fundamental and technical analysis, offering active strategies that may include options and margin, and provides clients with educational communications and periodic seminars.
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)