The Team Approach

At F3 Capital, we believe effective financial planning is strengthened by collaboration. Our team-based approach combines personalized guidance with access to a broader network of professionals, specialists, and resources—all working together to help clients make informed financial decisions with confidence.

Meet Nathan J. Fox

Founder & Managing Partner | F3 Capital

Nathan J. Fox is the Founder and Managing Partner of F3 Capital. He began his career in financial services in 2008, navigating one of the most challenging periods in modern financial markets. After building his practice within a large financial institution, Nathan founded F3 Capital with a clear objective: to create an independent firm focused on education, personalized advice, and helping clients Maximize Their Financial Potential.

  • Financial Planning & Wealth Management

    Today, F3 Capital works with individuals, families, and businesses through every stage of their financial lives, with particular expertise in retirement planning, investment management, tax-efficient strategies, income planning, and wealth preservation.

  • The F3 Capital Team Approach

    At the core of F3 Capital is a team-based approach. Clients benefit not only from their direct relationship with Nathan and the F3 Capital team, but also from a broader network of professionals and specialists. Depending on a client's needs, this can include CPA and tax professionals, estate planning attorneys, product specialists, and advanced case design and planning resources. The firm also utilizes dedicated operations and new-business teams to help coordinate account onboarding, processing, and ongoing service needs. F3 Capital's wealth management platform is supported by Charles Schwab as custodian.

  • Independent Firm. Broader Resources.

    This coordinated approach allows F3 Capital to combine the resources and depth clients expect from a larger financial organization with the accessibility, continuity, and personal attention of an independent firm. Rather than expecting one advisor to have every answer, F3 Capital brings the appropriate expertise to the table when it is needed.

  • Helping Clients Maximize Their Financial Potential

    Whether a client is building wealth, preparing for retirement, creating a more tax-efficient income strategy, protecting a family or business, or planning a legacy, the objective remains the same: bring together the right people, resources, and strategies to help each client make informed financial decisions with confidence.

Personalized Advice. Coordinated Expertise.

Our Mission

Black rocket icon launching upward with motion streaks on a white background

F3 Capital is built around a team-based approach designed to bring the right people, resources, and expertise to the table when they are needed. In addition to their direct relationship with Nathan and the F3 Capital team, clients can benefit from a broader network of professionals, specialists, and dedicated support resources.

Tax Professionals

CPA and tax professionals can provide additional expertise based on a client’s individual planning needs.

Estate Planning Attorneys

Estate planning professionals can be brought into the planning process to help coordinate estate and legacy considerations.

Product Specialists

Specialized resources provide additional support when specific products or strategies require deeper expertise.

Advanced Case Design

Advanced planning and case-design resources help support more complex financial situations and planning needs.

Operations & New Business

Dedicated operations and new-business teams support account onboarding, processing, and ongoing service needs.

Charles Schwab

F3 Capital’s wealth management platform is supported by Charles Schwab as custodian.

Clients Who Want More Than a Portfolio Manager

Who We Work With

F3 Capital works with people who have spent years building financial security and want a team that treats that work with the seriousness it deserves. Our clients come from different backgrounds, but they share a common need: a coordinated plan that accounts for the full picture, not just the investable assets.

  • Individuals, Pre-retirees and retirees

    Whether you're building wealth, preparing for retirement, or already living it, our goal is the same: to help you make informed financial decisions with confidence and ensure your wealth supports the life you've worked hard to achieve.

  • Families planning for the long term

    Whether you're managing competing financial priorities, building toward a specific goal, or trying to make sure your estate reflects your intentions, F3 Capital builds plans that address the present and the future at the same time.

  • Business owners

    When your business and your personal finances are intertwined, generic planning falls short. We work with business owners on succession strategy, retirement plan structuring, and the transition from running a business to living off what it built.

Built for Individuals, Families and Business Owners

Who We Work With

F3 Capital serves individuals, families, and business owners throughout their financial journey, with a specialized focus on retirement planning. While we advise clients across the full spectrum of wealth management, our primary focus is helping pre retirees and retirees transition from building wealth to generating sustainable retirement income through comprehensive planning, tax efficient strategies, and coordinated wealth transfer planning. We also advise business owners preparing for succession and families navigating significant financial transitions with confidence.


Headquartered in Portsmouth, New Hampshire, F3 Capital serves clients throughout New England and across the country.