First Down Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$57,000,000
Clients
52
100% high-net-worth
Advisors
1
of 10 employees
Firm type
Supported
1-4 advisors or >$200M in AUM
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
52
TypicalAverage account size
$1,096,154
About
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 manages roughly $57 million across about 52 client relationships and implements advice through model asset‑allocation portfolios.
The firm’s investment approach is grounded in Modern Portfolio Theory and passive, asset‑class implementation, using institutional asset‑class mutual funds (including DFA funds) supplemented by individual U.S. treasuries or laddered municipal bonds when appropriate. Portfolios are managed on a discretionary basis against documented investment policies and are monitored and rebalanced to maintain target allocations and factor exposures.
Compared with many peers, FDF discloses active client education and communications programs — it periodically publishes newsletters and conducts seminars and workshops for clients and plan participants — and it offers managed model portfolios to qualified‑plan sponsors. The firm also discloses that some supervised persons are licensed insurance agents and that it may present annuity or life insurance products, with commissions for placement described as a potential conflict of interest.
Client services
Financial planning
Portfolio management
Pension consulting
Newsletters or periodicals
Educational seminars or workshops
Expertise
Passive / index investing
Tax-loss harvesting
Wealth management
Fee options
$0 - $249,999: Maximum 1.75% annually (accepted at discretion) $250,000 - $499,999: 1.5% to 2.0% annually (blended tier) $500,000 - $999,999: 1.25% annually $1,000,000 - $1,999,999: 1.10% annually $2,000,000 - $4,999,999: 0.90% annually $5,000,000 - $9,999,999: 0.75% annually $10,000,000+: Quoted on an individual basis
Account minimum: $250,000 Fee-only: Fee-only, no commissions or sales charges from investment products
Main office location
First Down Financial
1942 West Cr 419, Suite 1030
Oviedo FL 32766, United States
Number of offices
2
Most active in
First Down Financial has reported serving >5 clients in these states in the last 12 months.
California · Florida
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
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.
-
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.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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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
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