Colorado Sprins, CO Office

First Affirmative Financial Network, LLC (doing business as Formative) serves individuals (including high‑net‑worth clients), trusts, estates, charitable organizations, and other institutions through a nationwide network of IARs and affiliated Network Advisors. The firm provides discretionary fiduciary investment management, financial planning, retirement‑plan consulting and OCIO‑type services, and also offers non‑fiduciary services to selling advisors and third‑party RIAs.

Formative’s investment process centers on values‑aligned and faith‑based investing, integrating environmental, social and governance factors and proprietary mutual/model scores into portfolio construction using equities, mutual funds, ETFs and fixed income. It offers tailored solutions such as Values‑Aligned Direct Indexing (VADIS), proprietary and third‑party model portfolios, and emphasizes diversified, long‑term asset allocation while permitting tactical and client‑specific constraints implemented on a discretionary basis.

Several features distinguish Formative from many team firms: it operates nine offices and sponsors multiple wrap‑fee programs (including platforms run by Geneos/Axiom, Goldman Sachs, OPS and Apex) and makes proprietary models available to third‑party RIAs. The firm also publishes a quarterly newsletter plus market and economic commentaries, provides quarterly performance reporting to clients, runs educational workshops for retirement‑plan participants, monitors class‑action claims for clients, and may facilitate illiquid impact investments and margin/borrowing in certain accounts.