First Down Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
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
Expertise
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
1942 W Cr 419, Suite #1030
Oviedo FL 32766
Advisors at this office
1
Most active in
California · Florida · Ohio
Also doing business as
First Down Financial · First Down Financial, Inc.
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.
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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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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