First Rank Financial

First Rank Financial serves individual households across a range of wealth levels and small businesses, providing both financial planning and portfolio management for individuals and corporate/small-business clients. The firm offers services delivered as assets-under-management investment management with integrated planning, ongoing retainer-based financial planning, and one-time planning engagements, and was newly formed with no client assets at the time of this brochure.

The firm tailors advice to each client’s goals, risk tolerance, time horizon, income needs, and tax considerations, and it may provide either discretionary or non-discretionary management depending on client authorization. Its investment process emphasizes long-term purchasing and holding, strategic asset allocation with periodic rebalancing, tax-aware planning, and retirement and cash-flow modeling, and it may include recommendations for mutual funds, ETFs, and selected individual securities as appropriate.

Compared with peers in its registration category, the firm’s combination of fixed-fee planning (monthly retainers and one-time fixed-fee engagements) alongside AUM portfolio management and its stated willingness to work with both non-high-net-worth and high-net-worth individuals as well as corporate clients is statistically uncommon. The firm is a single-owner practice; the principal supervises advisory activities while serving as an active-duty naval officer, the firm does not act as a private fund adviser, and it does not custody client assets.