ROOTED IN CLARITY. BUILT ON TRUST.
MEET FIVE8 FINANCIAL
Five8 Financial, LLC was founded as an independent Registered Investment Advisor with a clear mission: to elevate the standard of financial guidance through transparency, integrity, and an unwavering commitment to acting solely in our clients’ best interests. As a fee-only firm, we believe in clarity around what you pay and what you receive — removing conflicts and building trust through openness and simplicity.
Rooted in Northwest Arkansas and proudly connected to the community of Rogers — the inspiration behind our name, drawn from the 72758 zip code — we are deeply invested in serving the families, professionals, and business owners who call this region home. We serve clients locally across Rogers, Bentonville, Springdale, Cave Springs, Bella Vista, and Fayetteville, as well as virtually beyond the Northwest Arkansas area, helping families build confident futures and lasting financial legacies.
At Five8 Financial, we offer thoughtful guidance, long-term partnership, and a different kind of advisory experience — one built around people, not products.
FIVE8 PHILOSOPHY
Trust is built through clarity, connection, and consistency. At Five8, we integrate tax-forward planning, strategic investment management, and actionable insights to help clients achieve their financial goals — today and over the long term.
As a fee-only fiduciary, we sit on your side of the table. Our guidance is transparent, uncompromised, and entirely centered on what’s best for you, without commissions or outside incentives influencing the advice you receive.
FIVE8 APPROACH
We keep things simple yet sophisticated — without cutting corners. Every recommendation is personalized, actionable, and aligned with your life goals, combining tax-focused investment management with ongoing financial planning.
The ongoing partnership brings together holistic financial planning and disciplined investment management, all included within one transparent AUM-based fee. We’re here to guide you through every phase of your financial life, adjusting strategies as your needs evolve.
FOUNDER & FINANCIAL ADVISOR
ROXANNE MARTENS, MS, CFP®
Roxanne Martens, MS, CFP® serves as a Founder and Financial Advisor at Five8 Financial, a fee-only fiduciary firm in Northwest Arkansas. With more than a decade of experience in financial planning and education, she is known for her calm, relational approach and her commitment to helping clients make confident, informed financial decisions. She takes the time to truly get to know each client, ensuring they feel comfortable and supported throughout the planning process, and approaches every plan with thoughtful precision to make certain their goals are achievable.
Before founding Five8 Financial, Roxanne served as a Director and Financial Advisor at a growing fee-only RIA, where she combined strategic insight and business development with a commitment to integrity and client-focused solutions. As a lead advisor, she guided clients through every recommendation and action step in their financial plans, ensuring they understood the impact on their long-term goals.
Roxanne founded Five8 Financial to focus on what she and her team do best: delivering detailed, comprehensive planning, fostering long-term client relationships, and following a proven process centered on what is truly best for each client and family. Her expertise spans holistic goal setting and retirement planning, investment management, and equity compensation strategies, including RSUs and employer stock plans. She believes that meaningful trust and clarity are at the heart of comprehensive financial planning, and she is intentional in helping clients feel secure, understood, and empowered in their financial lives.
Earlier in her career, Roxanne spent seven years on faculty at Kansas State University in the CFP® Board-Registered Personal Financial Planning program. As Director of the Undergraduate Program, she oversaw curriculum development and program assessment, in addition to her role as an Instructor teaching advanced personal financial planning courses.
Roxanne holds a M.S. in Personal Financial Planning and a B.S. in Public Health Nutrition from Kansas State University and is a Certified Financial Planner®.
Outside of work, Roxanne enjoys spending time outdoors with her husband, John, and their two sons. With John serving as a local firefighter, the Martens family understands the value of service, safety, and making every moment count—whether that’s on a bike trail, at the lake, or involved in their local church.
FOUNDER & FINANCIAL ADVISOR
NICOLA CYR, CFP®, EA
Nicola Cyr, CFP®, EA is a founder and financial advisor at Five8 Financial, bringing a rare combination of strategic leadership, operational expertise, and ability to utilize advanced tax strategy within every facet of financial planning. Nicola’s experience spans nearly every aspect of running a successful advisory firm, giving her clients the confidence of working with someone who understands both the big-picture strategy and the detailed mechanics of their financial lives.
Nicola graduated from Kansas State University with a B.S. in Personal Financial Planning. She is both a CERTIFIED FINANCIAL PLANNER® professional and an Enrolled Agent and specializes in working with clients who have equity compensation—including RSUs, ISOs, and multi-year tax planning—integrating proactive tax strategies into comprehensive financial and investment planning.
Nicola began her career building a strong foundation in the financial services industry, spending four years in insurance and analysis across life, health, and property & casualty lines. These early roles gave her a deep understanding of risk management and the client-first approach that would guide her entire career.
Over the past eight years, Nicola expanded her expertise as a Director of Operations & Compliance at a fee-only Registered Investment Advisor (RIA). She was responsible for the design and implementation of firm-wide systems and processes, overseeing large team operations, and ensuring smooth, efficient workflows across all departments. Nicola ran the compliance program for over 35 advisors, maintained a network of industry relationships, and provided platform and operational support for a back-office branch serving solo advisors. She guided advisors in client strategies, built and reviewed comprehensive financial plans, traded investment accounts, and executed proactive, multi-year tax planning integrated with full financial planning and investment management.
Outside the office, Nicola is a voracious reader averaging around 60 books per year and a devoted plant enthusiast caring for more than 40 thriving houseplants. She and her husband are busy raising their three children, along with one very loved dog.
OUR AFFILIATIONS
These organizations reflect our commitment to fee-only advice, fiduciary responsibility, and ongoing professional excellence, so you can feel confident in the guidance you receive.
FREQUENTLY ASKED QUESTION (FAQs)
WHAT KINDS OF CLIENTS BENEFIT MOST FROM YOUR SERVICES AND APPROACH?
We tend to work best with high-income professionals and families who are navigating complexity, whether that’s equity compensation, variable income, or simply wanting to be more intentional with their financial decisions.
Many of our clients are doing well, but want a more proactive and coordinated approach, especially when it comes to tax strategy, timing decisions, and making sure everything is working together. If you’re looking for thoughtful guidance, ongoing partnership, and a plan that evolves with you, you’re likely a great fit.
WHAT MINIMUM ASSET LEVEL, IF ANY, IS REQUIRED TO BECOME A CLIENT?
We don’t have a strict minimum asset requirement. However, our ongoing services are generally best suited for individuals or families with at least $500,000 in investable assets, or those on a clear path to that level.
That said, we focus more on complexity and fit than a specific number. Many of our clients are in high-earning years or navigating situations like equity compensation, where proactive planning can add significant value, even as assets are still growing.
IS FINANCIAL PLANNING AVAILABLE ON AN HOURLY OR PROJECT BASIS?
No, we focus on ongoing, relationship-based planning rather than one-time projects or hourly engagements.
HOW DO YOU WORK WITH CLIENT—IN PERSON, REMOTELY, OR BOTH?
We work with clients both in person in Rogers, AR, and remotely via Zoom.
DO YOU PROVIDE ONGOING INVESTMENT MANAGEMENT?
Yes, investment management is part of the overall planning process.
DO YOU OFFER AN INITIAL CONSULTATION TO DETERMINE WHETHER WE'RE A GOOD FIT?
Yes, we offer an introductory meeting designed to get to know you, understand your situation, and determine whether there’s a good mutual fit.
Schedule your intro call here: https://scheduler.zoom.us/f/jxlfo-38
LET’S CONNECT
If you’d like to explore whether Five8 is the right fit, we invite you to schedule a complimentary discovery meeting using the calendar below. Prefer to start with a message instead? Submit the contact form, and someone from our team will be in touch soon to continue the conversation.