First National Advisors LLC

First National Advisors, LLC, established in 1978 as First National Corporation and succeeded by First National Advisors LLC in January 2024, offers personalized investment management, financial planning, and consulting services to individuals, high net worth individuals, trusts, estates, pension and profit-sharing plans, charitable organizations, businesses, and other investment advisors. The firm acts as a fiduciary, upholding a duty of loyalty, fairness, and good faith towards clients. Investment management services include strategic asset allocation using Modern Portfolio Theory, with a focus on passively-managed index and exchange-traded funds. Clients maintain control over their accounts and authorize First National to have investment discretion. The firm does not charge performance-based fees and does not receive soft dollars. Fees are based on a percentage of assets under management, with annual rates ranging from 0.45% to 1.25%. Financial planning fees range from $1,000 to $8,000, with hourly rates available for limited scope engagements. Retirement plan advisory services are billed at an annual rate of up to 0.75% of plan assets. First National does not impose minimum portfolio sizes or annual fees. The firm maintains a Business Continuity Plan and an Information Security Program to safeguard client information and ensure business continuity in the event of disasters. Clients are provided with a Privacy Notice annually.