Our Services

Investment Management for Families, Corporate Executives and Business Owners

Factor-based, evidence-driven portfolio management for people who want their investments coordinated with their taxes, insurance, and estate plan.

Book a Call

Fee-only fiduciary since 2013

SEC-registered investment advisor

Serving 150+ clients nationwide

F5 Financial is a proud member of

Check the background of this firm on FINRA’s BrokerCheck.

Most Investors Are Trying to Beat a Market That Can't Be Beaten.

Decades of research say the same thing: trying to consistently beat the market through stock-picking or market timing doesn't work. Investors and advisors who try it usually end up worse off.

Yet plenty of portfolios are still built that way: chasing last year's winning fund, reacting to headlines. Every trade drifts further from an actual plan.

Meanwhile, a portfolio that isn't actively managed against your real goals can drift out of line with your liquidity needs, risk tolerance, and timeline. Nobody notices until a market swing forces the question.

And if your investment account is managed separately from your tax situation, your insurance, and your estate plan, you're paying for coordination. You're just not getting it.

What a Coordinated Portfolio Looks Like

Your portfolio is built on documented, long-term market behaviors, not a bet on beating the market.

Your portfolio is built around your actual goals, whether that's retirement income, a trust for a family member, or a charitable purpose.

You have access to DFA mutual funds not available directly to the public, through F5's approved-advisor relationship with Dimensional Fund Advisors.

You hold enough liquidity to stay steady through a downturn, without giving up long-term growth.

All investing involves risk, including the risk of loss. Diversification and disciplined management reduce certain risks. They don't eliminate them, and no strategy can guarantee results. Past performance does not guarantee future results.

Our Investment Philosophy

Decades of research say the same thing: trying to consistently beat the market through stock-picking or market timing doesn't work. Investors and advisors who try it usually end up worse off.

We approach investment planning and wealth management with a data-driven, factor-based methodology. Instead of trying to outsmart the market, we use known market behaviors and leverage Dimensional Fund Advisors (DFA) funds to create an investment strategy to meet your goals.

Becoming an approved DFA advisor requires a lengthy approval process and a two-day training seminar. As an approved advisor, F5 can place client portfolios in DFA's mutual funds, which aren't available directly to the public. Investment management is one piece of the Financial Health Cycle.

It's reviewed every quarter alongside your cash flow, tax strategy, and estate plan.

How Investment Management Works at F5

We assess your current and anticipated income, and then model what needs to happen from a budgetary and growth standpoint to meet your retirement goals.

Book a Call

Goal Planning

Our initial meeting will discuss your financial goals. Is the purpose of your portfolio to save for retirement? To build a trust for a loved one or charitable organization? Learning what your intent is with your gains will help us develop a robust investment strategy.

Cash Flow Planning and Analysis

We assess your current and anticipated income, and then model what needs to happen from a budgetary and growth standpoint to meet your goals.

Investment Strategy

Using a factor-based approach that leverages DFA funds, your investments are optimized for growth. We create a diversified portfolio that performs well across market cycles.

Financial Projections & Quarterly Reports

We produce financial projections for your investment portfolio and deliver quarterly reports that show where you’re at with your financial goals.

The Financial Health Cycle™

Investment management is one of the components of F5's Financial Health Cycle. We run this process for every client instead of treating portfolio strategy as a set-it-and-forget-it exercise.

It starts with a review of your goals and assets. From there, we build a coordinated, structured portfolio across your accounts and keep it current through quarterly meetings.

Discover our process

Why Clients Choose F5 for Investment Management

Approved Dimensional Fund Advisors (DFA) advisor

Access to institutional-style DFA mutual funds most individual investors and generalist advisors can't place.

Fee-only, always

No commission tied to any fund, any trade, or any recommendation, ever.

Coordinated with the rest of your plan

Your portfolio is reviewed alongside your tax strategy, insurance, and estate plan on the same quarterly cycle.

A diversified team behind every advisor

Your portfolio review is backed by a broader planning team, so continuity doesn't depend on one advisor's calendar.

For investing, time is your friend. You just need to add the funding and patience to the equation.

Naveen Prabakaran

Fractional CFO Support

What our clients say

Testimonials

Despite what's going on in the economy, I know that Josh with F5 Financial is taking care of us. Before we hired Josh, we had been managing our own investments, but we were worried we weren't doing a great job of it. My husband is self-employed, and I work in non-profit, so we knew it was important to make sure our investments were managed well.

Becky Smith

Curt is very trustworthy and smart when it comes to financial planning. I started working with him when I decided to leave my previous financial advisor, who I felt had poor communication and was very impersonal. Curt and his team at F5 Financial manage my family's personal investments and retirement plans, and he also set up my construction company's 401(k) plan.

Justin Harvey

Their service and knowledge on investments were outstanding, and we're looking forward to checking in again in a few years as we get closer to the next phase of life in retirement.

John Bosshart

These reviews were voluntarily provided by our clients. No compensation was provided to clients in exchange for their reviews. We requested ratings from all clients via email. Clients who responded either wrote their own review, or collaborated with a third-party marketing agency that crafted their spoken words into written testimonials. Each client posted their own feedback on Google.

What Investment Management Costs

Investment management is part of F5's comprehensive planning service. It starts with a one-time $3,000 initial planning fee, plus an ongoing annual fee that depends on the amount of assets we manage. Both are fully disclosed on our fees page before you engage. F5 earns no commission tied to any investment recommendation.

Generally, F5 Financial is ideal for families who have a minimum of $1,000,000 in investable assets.

View our fee schedule

Frequently asked questions

Can you guarantee my portfolio will outperform the market?

No, and we’d be skeptical of anyone who says they can. Our approach is built on the same research that shows consistently beating the market isn’t realistic, so we focus on disciplined, diversified investing instead.

What are DFA funds, and why do they matter?

DFA funds are institutional mutual funds built around long-term, research-backed dimensions of return. They’re not available directly to the public. Only approved DFA advisors like F5 Financial can place client assets in them.

Do I need a minimum amount of assets to work with you?

Investment management is part of our comprehensive planning relationship, which generally starts around $1,000,000 in investable assets. If you’re close to that and saving aggressively, reach out. Fit matters more than a hard line.

How will I know what's happening in my portfolio?

You have on-demand access through Advyzon, plus a quarterly report explaining what changed in your portfolio and why, and a quarterly conversation with your advisor.

Does diversification mean I can't lose money?

No. Diversification and a disciplined process reduce certain risks, but they don’t eliminate the risk of loss, and no investment strategy can guarantee results.

Is the first conversation free?

Yes. We start with a short questionnaire, then a complimentary FHC Snapshot meeting with an advisor, at no cost and no obligation.

Got more questions?

Apply for a free Financial Health Cycle Snapshot call with our team to get all your questions answered.

Book a Call

We Help You Build Sustainable Wealth and Ensure Financial Security.

You can't control the market. You can control whether your portfolio is actually built around your goals, and coordinated with the rest of your financial life.

Book a Call

No cost, no obligation.

Fee-only fiduciary since 2013

SEC-registered investment advisor

Serving 150+ clients nationwide