Financial Planning First provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, and selecting other managers. Financial planning was provided to 1–10 clients last fiscal year.
Financial Planning First reports 296 clients. They include 260 individual clients, 31 high-net-worth individuals, and 5 pension and profit-sharing plans. Of its assets, 99.6% ($113M across 809 accounts) are managed with discretion; $429K across 2 accounts are not. A wrap fee program the firm both sponsors and manages holds $227M. Of its clients, 1% are outside the U.S. It advised 3 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 88% | 43% |
| High-net-worth individuals | 10% | 51% |
| Pension and profit-sharing plans | 2% | 6% |
| Charitable organizations | Fewer than 5 | <1% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 260 | $49.4M | 43.4% | $190K |
| High-net-worth individuals | 31 | $57.5M | 50.5% | $1.86M |
| Pension and profit-sharing plans | 5 | $6.36M | 5.6% | $1.27M |
| Charitable organizations | Fewer than 5 | $561K | 0.5% | — |
| Total | 296 | $114M | 100% | — |
- Clients
- 260
- Regulatory AUM
- $49.4M
- AUM share
- 43.4%
- Avg. per client
- $190K
- Clients
- 31
- Regulatory AUM
- $57.5M
- AUM share
- 50.5%
- Avg. per client
- $1.86M
- Clients
- 5
- Regulatory AUM
- $6.36M
- AUM share
- 5.6%
- Avg. per client
- $1.27M
- Clients
- Fewer than 5
- Regulatory AUM
- $561K
- AUM share
- 0.5%
- Avg. per client
- —
Total
- Clients
- 296
- Regulatory AUM
- $114M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 1%
- Clients advised without assets under management last fiscal year
- 3
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 1–10
Financial Planning First charges 0.75%–1.50% a year for its Comprehensive Portfolio Management. The fee is billed in advance, is negotiable and requires an account of at least $500,000. The brochure also prices 2 other services, listed under fee details.
Fee details and sources
Other fees
- Financial Planning & Consulting
- Billed hourly, with a maximum of $300 an hour; fees are not negotiable.
- Retirement Plan Consulting
- Billed hourly up to $300 an hour, as a flat fee of $1,500 to $10,000, or as a percentage of plan assets not exceeding 1.25%.
Matthew Sullivan owns 75% or more of Financial Planning First. The leadership team of Financial Planning First includes President Matthew Sullivan. It has 3 employees, 1 of them in advisory roles.
Leadership
Matthew SullivanPresident & Chief Compliance Officer
Investment adviser representatives
4 representatives listed in the SEC register as of 9 October 2026.
Staff
- 3 employees
- 1 in advisory functions
- 3 state-registered reps
- 1 soliciting firm
- Owns 75% or more of Financial Planning First, LLC
Matthew Sullivan
Control person · since April 2022
Financial Planning First’s regulatory assets grew Infinity× from $0 (June 2022) to $114M (March 2026); employees rose from 2 to 3. In 2022, Imus Wilkinson Investment Management ($194M in its last filing) joined it.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $114M | 296 | 3 | 1 |
| June 2022 | $0 | 0 | 2 | 1 |
Firms that joined
20221 joined
- Imus Wilkinson Investment ManagementLast filed AUM $194M
Firms whose SEC withdrawal reports a sale to this firm, and deals reported in the press. Teams that moved without selling a registered firm may not appear.
Besides its headquarters, Financial Planning First has 0 offices, with 1 listed address in Arizona.
Arizona · 1 listed address
- 3567 E Sunrise DR Ste B237, TusconHQ
Contact and registration details
- Legal name
- Financial Planning First, LLC
- Headquarters
- 3567 E Sunrise DR Ste B237, Tuscon, AZ 85718
- Website
- financialplanningfirst.com
- Phone
- 520-314-1301
- SEC file
- 801-134756
- Structure
- Arizona LLC
- Fiscal year end
- December
Financial Planning First uses Charles Schwab ($108M) as custodian for its separately managed accounts. Financial Planning First has custody of $9.91M in client assets for 71 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $108M100%
At year end, Financial Planning First’s separately managed accounts were largely in funds (43%) and stocks (42%).
What the accounts hold
- Stocks42%
- Funds43%
- Cash15%
How many clients does Financial Planning First have?
Financial Planning First has 296 clients and manages $114 million for them, as of March 2026. They include 260 individual clients, 31 high-net-worth individuals, and 5 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 9 March 2026
What services does Financial Planning First offer?
Financial Planning First provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, and selecting other managers.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Financial Planning First charge?
Financial Planning First charges 0.75%–1.50% a year for its Comprehensive Portfolio Management. The fee is billed in advance, is negotiable and requires an account of at least $500,000.
Source: FORM ADV 2A - FIRM BROCHURE - FPF, filed 9 March 2026
Which custodians does Financial Planning First use?
Financial Planning First’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $108M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 9 March 2026
How many financial advisors does Financial Planning First have?
Financial Planning First has 3 investment adviser representatives registered with state securities authorities, out of 3 employees, and 1 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Financial Planning First invest in?
At the end of its last fiscal year, Financial Planning First’s separately managed accounts held 43% registered funds (mutual funds, ETFs, BDCs), 42% exchange-traded equities and 15% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Does Financial Planning First have a minimum investment?
Yes, Financial Planning First’s minimum account size for its Comprehensive Portfolio Management is $500K.
Source: FORM ADV 2A - FIRM BROCHURE - FPF, filed 9 March 2026
Who owns Financial Planning First?
Financial Planning First’s direct owner is Matthew Sullivan (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 9 March 2026
How does Financial Planning First get paid?
Financial Planning First is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Financial Planning First?
Financial Planning First’s main office is at 3567 E Sunrise DR Ste B237, Tuscon, AZ 85718. Its phone number is 520-314-1301. Its website is financialplanningfirst.com.