A registered investment adviser (RIA) is an investment management company that offers financial services for a fee. It is a legal entity registered with regulators — either the federal Securities and Exchange Commission (SEC) or a state securities authority. Futurity First Wealth Management is a DBA name for Sequent Planning, LLC. Sequent Planning is an SEC-registered RIA, which allows it to offer services in all states.

An investment advisor representative (IAR) is a type of a financial advisor who is a fiduciary and is associated with a registered investment adviser (RIA). To qualify to be an IAR, the person must have passed the Series 65 license exam (or equivalent). Each IAR is registered with either a specific state or multiple states to conduct business. The financial advisors at Futurity First Wealth Management are all IARs.

A fiduciary is a person or entity with a legal and ethical obligation to act in the best interest of another person, known as the client or beneficiary.

All Futurity First Wealth Management advisors are fiduciaries, but not all financial advisors are fiduciaries.

Yes, Futurity First Wealth Management, the entity, is a fiduciary, just as its investment advisors (IARs) are fiduciaries. We act in the best interest of clients, disclose conflicts of interest, and provide advice that aligns with clients’ financial situations and goals.

Futurity First Wealth Management is a DBA name for Sequent Planning, LLC. Sequent Planning is a Registered Investment Adviser (RIA), nationally registered with the SEC.

The SEC is a regulatory body established in 1934 as an independent federal agency to regulate the U.S. securities markets and protect investors. The agency oversees securities exchanges, broker-dealers, investment advisors (RIAs), and other market participants.

Futurity First Wealth Management advisors offer investment advisory services including financial planning, investment recommendations, Social Security strategies, tax-efficient planning, estate strategies, charitable giving strategies, generational planning, health care planning, long-term care planning, saving, budgeting and so much more. For more information on our services, check out our How We Help page.

Yes, a Futurity First Wealth Management advisor can also be an insurance agent. If they are an insurance agent, this will be disclosed to you on a form they supply to you called an ADV Part 2b. Our advisors will make you aware if they are an insurance agent. They will take time to distinguish their investment services versus their insurance services.

There are two ways your Futurity First Wealth Management advisor can be paid for the services they provide you.
The most common is a stated fee for services — called an annual advisor fee — that is applied to the ending balance of your investment account. The fee is based on your investment balance and paid quarterly or monthly. At Futurity First Wealth Management, the most an advisor fee can be is 1.75% on an annual basis. Our advisors have the authority to charge a fee lower than 1.75%.
A second payment method is an agreed-upon dollar amount for a specific project or period of time.
A third way an advisor may get paid is if they also are an insurance agent, selling insurance products such as life insurance or an annuity. Insurance companies pay commissions on their products. If a Futurity First Wealth Management advisor recommends an insurance product, they will disclose the product’s internal fees and any potential conflicts of interest.

Additional information about our advisors is available on this SEC website. If you become a client, our advisors will present their ADV Part 2b for your review. Available to the public, it explains a firm’s services, approach to investing, key officers, and any conflicts of interest. Potential clients and clients should review a firm’s ADV.s of interest.

Futurity First Wealth Management advisors will meet with you however you choose, whether that’s in person, or through video and phone calls.

Each advisor has the flexibility to meet with you as often as you need throughout the year, but Futurity First Wealth Management at a minimum requires annual reviews for all clients.

Other Futurity First Wealth Management team members can help you if your advisor is unreachable. Whether your advisor’s absence is temporary or permanent, Futurity First Wealth Management support is always available to you.
Temporary absences could include illness, surgery, maternity leave, vacations and travel outside the country. Futurity First Wealth Management has succession plans in case of permanent absences such as incapacitation or death, so you will never be left without support.

Financial advisors provide valuable knowledge and strategies that can help you make important financial decisions, especially those involving retirement. The savings and investments that could tolerate more risk over years of accumulation need protected as you near retirement, and this requires a unique skill set. A financial advisor can apply strategies to make your assets last longer. Using an advisor for comprehensive planning can help you mitigate risks, avoid unnecessary taxes, maximize your retirement income, leave a legacy, and so much more — enhancing the likelihood for successful outcomes and freeing you up to live your life.