DFX Intelligence

RIA Intelligence

Registered investment advisers, the advisors registered through them, the capital they report, the private vehicles they run and the people who own them, as a graph with a filing date behind every number. RAUM is what the adviser filed, a move is two registration dates, and a class is a rule you can read.

Registered advisor

John Allen Carruthers

A5 Financial LLCstate registeredBothell, WaIA-onlyIAPD 5889774

Feed of 09/14/2026

Also filed as John Allen Cozzitorto

At current firm

1 y

since Mar 25, 2025

In the industry

15 y

since Mar 1, 2011 (earliest exam, job or registration)

Prior registered firms

IAPD previous registrations

State registrations

current, as an IAR

Firms today

current registrations

Exams

S66, S63

IA exams only

Book size

not public

not estimated here

Signals

dated events on this person

Registration history

IAPD current and previous registrations

A5 Financial LLC state registered current
since Mar 25, 2025 · Bothell, Wa
Gradient Advisors, LLC independent RIA
Apr 25, 2024 to Apr 15, 2025 · Bothell, Wa
Fidelity Personal And Workplace Advisors former
Dec 14, 2022 to Apr 5, 2024 · Bellevue, Wa
Decker Retirement Planning Inc. independent RIA
Nov 5, 2021 to Nov 29, 2022 · Bellevue, Wa
Key Investment Services LLC BD affiliated
Apr 6, 2021 to Nov 2, 2021 · Brooklyn, Oh
U.S. Bancorp Advisors, LLC BD affiliated
Aug 29, 2019 to Dec 2, 2020 · Seattle, Wa
Personal Capital Advisors Corporation former
Nov 7, 2018 to Jul 23, 2019 · Atlanta, Ga
Wells Fargo Advisors wirehouse
Nov 24, 2015 to Oct 23, 2018 · Atlanta, Ga

Moves

a registration end followed by a registration begin elsewhere

Gradient Advisors, LLC to A5 Financial LLC
left Apr 15, 2025, registered Mar 25, 2025 (-21 days) · RIA to a state-registered adviser
Fidelity Personal And Workplace Advisors to Gradient Advisors, LLC
left Apr 5, 2024, registered Apr 25, 2024 (20 days) · Affiliated broker-dealer or bank to independent RIA
Decker Retirement Planning Inc. to Fidelity Personal And Workplace Advisors
left Nov 29, 2022, registered Dec 14, 2022 (15 days) · RIA to affiliated broker-dealer or bank
Key Investment Services LLC to Decker Retirement Planning Inc.
left Nov 2, 2021, registered Nov 5, 2021 (3 days) · Affiliated broker-dealer or bank to independent RIA
U.S. Bancorp Advisors, LLC to Key Investment Services LLC
left Dec 2, 2020, registered Apr 6, 2021 (125 days) · Affiliated broker-dealer or bank to another
Personal Capital Advisors Corporation to U.S. Bancorp Advisors, LLC
left Jul 23, 2019, registered Aug 29, 2019 (37 days) · RIA to affiliated broker-dealer or bank
Wells Fargo Advisors to Personal Capital Advisors Corporation
left Oct 23, 2018, registered Nov 7, 2018 (15 days) · Wirehouse to independent RIA

Signals

John Allen Carruthers left Gradient Advisors, Llc for A5 Financial Llc (registered 2025-03-25)
Apr 15, 2025 · Advisor changed firm · fact
John Allen Carruthers left Fidelity Personal And Workplace Advisors for Gradient Advisors, Llc (registered 2024-04-25)
Apr 5, 2024 · Advisor changed firm · fact
John Allen Carruthers left Decker Retirement Planning Inc. for Fidelity Personal And Workplace Advisors (registered 2022-12-14)
Nov 29, 2022 · Advisor changed firm · fact

Transition signals

Mobility scoring is not published yet. The observable conditions this page will draw on once the historical validation is done: tenure, the firm’s own departures and ownership changes, new state registrations, a new adviser entity with this person on Schedule A, and colleagues’ moves. Until precision and lead time are measured on known moves, no label is printed. Read the methodology.

Provenance

Source: IAPD individual compilation feedreportedadviserinfo.sec.gov
Firm class: STATE REGISTEREDderived
Years in industry: 15derivedfrom the earliest dated exam, employment or registration
Not published: disclosure flags, outside business text, branch street address