Portsmouth's Independent Financial Advisor — Fiduciary Planning Built Around Your Retirement

We're based at 155 Fleet Street in Portsmouth, NH, and we work with retirees, pre-retirees, and business owners throughout the Seacoast region who are ready to move from accumulating wealth to actually using it well.

A Fiduciary Financial Advisor Rooted in the Portsmouth Community

F3 Capital is an independent RIA — which means we're legally required to act in your interest, not ours. There's no broker-dealer behind us, no parent company with a product quota, and no incentive to recommend anything other than what fits your plan. For Portsmouth-area families navigating retirement decisions, that independence matters more than it might seem.

Retirement Planning for the Seacoast NH Region

Retirement looks different for everyone, and the decisions you make in the five to ten years surrounding your retirement date are often the most consequential of your financial life. When to claim Social Security, how to sequence withdrawals across taxable and tax-deferred accounts, how to cover healthcare costs before Medicare kicks in — these aren't questions with generic answers. We build retirement income strategies for Portsmouth-area clients that are specific to their accounts, their timeline, and their goals.

The F3 Way: How We Build Your Plan

The F3 Way is our three-phase planning process — Flow, Fund, Force — designed so clients understand not just what we're doing, but why each step matters and how it connects to the next.

 

  • Flow — We map your complete financial picture: income sources, expenses, accounts, insurance, taxes, and goals. Nothing is planned in isolation.
  • Fund — We build a coordinated strategy that aligns your investment management, withdrawal sequencing, and tax planning to fund the retirement you've described.
  • Force — We put the plan in motion, monitor it against real outcomes, and adjust as your life and the markets evolve.

 

This isn't a one-time deliverable. It's an ongoing relationship built around your plan staying current.

What We Help Portsmouth Clients Plan For

Retirement Income Planning

Most people arrive at retirement with accounts in multiple places — a 401(k), an IRA, maybe a pension or a brokerage account — and no clear strategy for how to draw from them. We build a coordinated withdrawal plan that sequences income across all your sources to minimize taxes and extend the life of your portfolio.

Social Security Optimization

Claiming Social Security at the wrong time can cost tens of thousands of dollars over a retirement. We model multiple claiming scenarios for you — and for couples, we coordinate spousal benefits — so you make this decision with full visibility into what each option actually means for your lifetime income.

Tax Efficiency and Roth Conversion Planning

Tax planning doesn't end when your paycheck does. For many retirees, the years between retirement and age 73 — before Required Minimum Distributions begin — represent a window to convert traditional IRA funds to Roth at lower rates. We work with our CPA partner to identify those opportunities and build a tax-efficient withdrawal strategy that keeps more of your money working for you.

Medicare and Healthcare in Retirement

Healthcare is one of the largest and least predictable expenses in retirement, and Medicare enrollment decisions carry permanent consequences if you miss a window. We help Portsmouth-area clients understand their Medicare options, plan for the gap between early retirement and age 65, and build healthcare costs into their income plan from the start.

Wealth Protection and Estate Planning

Building a plan that generates income is only part of the picture. We also work with clients on life insurance, long-term care coverage, and estate planning coordination — partnering directly with an estate attorney so your beneficiary designations, trust documents, and asset titling align with your broader plan.

Frequently Asked Questions About Working With a Financial Advisor in Portsmouth, NH

  • What makes F3 Capital different from other financial advisors in Portsmouth, NH?

    F3 Capital is an RIA — meaning we're legally required to act in your interest, and we have no broker-dealer or parent company directing our recommendations. We also bring a CPA and estate attorney into the planning process as integrated partners, not outside referrals, which gives Portsmouth clients a more coordinated approach to tax and estate decisions.

  • Do I need to live in Portsmouth to work with F3 Capital?

    No. While our office is in Portsmouth, we serve clients throughout New Hampshire, across New England, and remotely in more than 13 states. Many of our clients prefer virtual meetings, and the planning process works equally well either way.

  • What does a fiduciary financial advisor actually mean for me?

    A fiduciary is legally obligated to put your interests ahead of their own — including when it comes to compensation. That means we recommend what's right for your plan, not what generates the highest commission or fee for us. As an RIA, F3 Capital operates under fiduciary duty at all times.

  • When should I start working with a retirement planner in Portsmouth?

    The earlier, the better — but the five to ten years before your target retirement date are especially important. Decisions about Social Security timing, Roth conversions, and withdrawal sequencing made during this window can meaningfully affect your income and tax burden throughout retirement.

  • What is fee-based financial planning, and how does F3 Capital charge for its services?

    Fee-based planning means our compensation is tied to the work we do for you, not to the products we recommend. We charge based on the scope of your plan and assets under management, and we're transparent about our fee structure from the first conversation. There are no hidden commissions.

  • Does F3 Capital offer educational resources for people who aren't ready to hire an advisor yet?

    Yes. We host weekly educational webinars on retirement planning, tax efficiency, Social Security, and related topics. They're open to the public with seven-day advance registration and are designed to give you real, actionable information — no sales pitch attached.