Competitive Financial Preparation. Competitive Life Preparation.

Human-Managed Personalized Portfolio Management

Typically this level of personalized portfolio management and planning requires an initial investment of at least $50,000. Our entry level of investment is $10,000. The wealth management platform we use is Fidelity Managed Account Xchange (FMAX), a Fidelity Investments wealth management platform that combines:

  • Investment Advisory Tools

  • Portfolio construction and management tools

  • Financial research resources

  • Access to Fidelity investment strategies and third-party asset managers

Plus, we are available to our clients 24/7. We are not limited to "Monday through Friday" business hours because we know L.I.F.E. happens after business hours.


This holistic all-in-one human-managed financial approach that combines the latest financial technology, innovative investment strategies, all backed by our financial services licensed professionals and Fidelity asset managers. Plus, we are available to our clients 24/7. We are not limited to “Monday through Friday” business hours because we know L.I.F.E. happens after business hours.

Competitive College and Career Prep

As a former college financial aid, college-retention professional of over 20 years, plus a parent of an elementary and high school student, I know how the FAFSA (Free Application for Federal Student Aid) form can be used BEFORE first-grade and into the middle school years on learning how to strategically pay for college tax-free while also building a tax-free retirement. Families have been using this strategy for over 20 years, very few college financial aid professionals and high school college counselors even know about this strategy. It is NOT part of their job training, they would never know. Knowledge is power and page 22 of the FAFSA has the key knowledge on a tax-free, penalty free pathway towards a better strategy (not including Parent PLUS loans) for all career and life expenses after high school.


By bringing together one of the best Investment Advisor Representatives, the best financial advisors, along with my college financial aid tax strategy experience, my team provides our clients with a level of College/Career Prep and Financial Preparation offered NO WHERE in the United States.


Talking to a high school college counselor should NEVER be the start of your college/career financial conversation, high school is too late to have this talk. Now more than ever, the research is clear, college/career preparation and financial preparation starts the day you are born.

In Partnership With Licensed Investment Advisory

Providing FIDUCIARY-level financial service, our partnership with a licensed Investment Advisory with over 10 years of experience provides you with the highest and most comprehensive level of financial advice with a free introductory meeting.


From finding the best financial strategy for an individual, a family, or a business, we provide tailor-designed, unique financial strategies that are as unique as you. For young families, our Investment Advisor Representative and College Financial Strategy collaboration provides a one-of-a-kind comprehensive service that takes college and retirement planning to an unprecedented level. Plus, we are available to our clients 24/7. We are not limited to “Monday through Friday” business hours because we know L.I.F.E. happens after business hours.

Business Solutions

From Key Person insurance to Executive Bonus options for businesses, we approach supporting your business from a holistic approach that wants to understand your company through your people and your goals.

Transparency and education. That's how we build trust.

© 2025 | First Grade Financial Aid