John A. Carruthers

A5 FINANCIAL LLC

BOTHELL, WA 98021

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CRD#: 5889774

Professional summary

John Allen Carruthers, who also goes by John Allen Cozzitorto, is a registered financial advisor currently at A5 FINANCIAL LLC located in Bothell, Washington.

John is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2011. John has worked at 9 firms and has passed the Series 66, Series 63, SIE, Series 7 and Series 6 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

John Allen Cozzitorto

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

A5 Financial LLC; Bothell, WA; Investment Related; Insurance Agent; Fixed Insurance Sales; Started 04/2024; Approximately 20 hours per month spent.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view John Allen Carruthers's CRS (Customer Relationship Summary).

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

None

Experience

Current

March 25, 2025 - Present

A5 FINANCIAL LLC

Office #1: 22722 29th Dr Se Suite 100, Bothell, WA 98021

RIA

CRD#: 334313

BOTHELL, WA

Past

April 25, 2024 - April 15, 2025

GRADIENT ADVISORS, LLC

RIA

CRD#: 152665

Bothell, WA

Past

December 14, 2022 - April 5, 2024

FIDELITY PERSONAL AND WORKPLACE ADVISORS

RIA

CRD#: 288590

BELLEVUE, WA

Past

December 5, 2022 - April 3, 2024

FIDELITY BROKERAGE SERVICES LLC

CRD#: 7784

BELLEVUE, WA

Past

November 5, 2021 - November 29, 2022

DECKER RETIREMENT PLANNING INC.

RIA

CRD#: 284281

Bellevue, WA

Past

April 6, 2021 - November 2, 2021

KEY INVESTMENT SERVICES LLC

RIA

CRD#: 136300

Seattle, WA

Past

April 6, 2021 - November 2, 2021

KEY INVESTMENT SERVICES LLC

CRD#: 136300

Seattle, WA

Past

August 29, 2019 - December 2, 2020

U.S. BANCORP ADVISORS, LLC

RIA

CRD#: 14455

KIRKLAND, WA

Past

August 29, 2019 - December 2, 2020

U.S. BANCORP ADVISORS, LLC

CRD#: 14455

KIRKLAND, WA

Past

November 7, 2018 - July 23, 2019

PERSONAL CAPITAL ADVISORS CORPORATION

RIA

CRD#: 155172

ATLANTA, GA

Past

November 24, 2015 - October 23, 2018

WELLS FARGO CLEARING SERVICES, LLC

RIA

CRD#: 19616

MARIETTA, GA

Past

March 14, 2011 - October 23, 2018

WELLS FARGO CLEARING SERVICES, LLC

CRD#: 19616

MARIETTA, GA

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

Highlighted states indicate IAR registrations

IAR

Washington
(3/25/2025)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.

Exams

State Security Law Exam

IAR

Series 66

Date: 11/17/2015

Uniform Combined State Law Examination

State Security Law Exam

Series 63

Date: 3/22/2011

Uniform Securities Agent State Law Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 5/8/2012

General Securities Representative Examination

General Industry/Product Exam

Series 6

Date: 3/11/2011

Investment Company Products/Variable Contracts Representative Examination

Current Firm

A5 FINANCIAL LLC

CRD#: 334313 / SEC#:

Washington

Registered Investment Advisory firm - (3/25/2025 Approved)

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Contact information

Main Address

22722 29th Dr Se Suite 100, Bothell, WA 98021

Mailing Address

Phone number

(425) 491-0143

Established

Firm type

Fiscal year end

# of Employees

Documents

Latest Form ADV

Regulatory assets under management

Total Number of Accounts	21
AUM (Assets Under Management)	$ 6,226,693

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

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Advisor Monitoring

Firm Stability Insights

John A. Carruthers

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view John Allen Carruthers's CRS (Customer Relationship Summary).

Certified licenses

Experience

GRADIENT ADVISORS, LLC

FIDELITY PERSONAL AND WORKPLACE ADVISORS

FIDELITY BROKERAGE SERVICES LLC

DECKER RETIREMENT PLANNING INC.

KEY INVESTMENT SERVICES LLC

KEY INVESTMENT SERVICES LLC

U.S. BANCORP ADVISORS, LLC

U.S. BANCORP ADVISORS, LLC

PERSONAL CAPITAL ADVISORS CORPORATION

WELLS FARGO CLEARING SERVICES, LLC

WELLS FARGO CLEARING SERVICES, LLC

State Registrations and Notice Filings

Exams

Series 66

Date: 11/17/2015

Series 63

Date: 3/22/2011

SIE

Date: 10/1/2018

Series 7

Date: 5/8/2012

Series 6

Date: 3/11/2011

Current Firm

A5 FINANCIAL LLC

Contact information

Documents

Regulatory assets under management

Red Flags

Company Information

A5 FINANCIAL LLC

TRUST BUT VERIFY

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