First Shelbourne is an independent, fee-only investment advisory firm based in Commack, Long Island, New York. The firm provides ongoing investment management through diversified, low-cost ETF model portfolios, with six portfolio tiers ranging from capital preservation to all-equity growth. Recommendations are shaped around each client’s goals, time horizon, income needs, and comfort with investment risk.

First Shelbourne emphasizes disciplined investing, transparent pricing, and advice without sales pressure. Its stated advisory fee is 0.50%, and it does not earn commissions from insurance products, annuities, mutual funds, or other investments. The firm helps clients address investment and retirement-related decisions, including coordinating pensions and retirement accounts, rollovers, individual 401(k) plans, required minimum distributions, and Roth-conversion considerations.

The process begins with a conversation about what is changing and what clients want their money to support. First Shelbourne then helps clarify available options and relevant tradeoffs, explains its approach and costs, and allows clients to decide whether to proceed. Guidance is tailored to individual circumstances.