85 Beach Street
Comprehensive investment experience and services.
At First Financial Advisory Services, Inc., (FFAS) we understand that each client's financial situation and goals require a customized approach to investing, and that many investment objectives can change over time. Whether it's saving for your children's college education, financing a business, or planning for retirement, we offer the financial planning, resources and ongoing management with a goal of helping you succeed in your personal and business life.
Financial planning is the long-term process of professionally managing your money to help pursue your financial goals and aspirations. Taking into account the personal and unique financial situation of you and your family, a financial planner will use a wide variety of investment vehicles to develop a comprehensive investment strategy that can adapt to your changing financial needs over time, and help you work towards your objectives. Review our Financial Planning Brochure for more information.
Many people underestimate how much money they will need to maintain their lifestyle in retirement years. Factors such as inflation, a diminishing Social Security system and rising costs of healthcare can all quickly erode hard-earned savings. With life expectancy rates increasing, many people spend up to one-third of their lifespan in retirement. It is essential to take the necessary steps to prepare for these years, and to capitalize on early investment strategies and options. Review our Retirement Planning Brochure for more information.
Asset management is essential in preserving the value of your investment portfolio, regardless of market downturns. Diversification is often considered one of the best long-term investment strategies for any market environment. How you divide your money among stocks, bonds and cash should be based on a careful assessment of your goals, time horizon for investing and tolerance for risk. Review our Asset Management Brochure brochure for more information.
Wealth Planning / Portfolio Review - FFASTrack by eMoney
Our team can provide you with access to FFASTrack, an advanced, web-based wealth planning tool that offers an aggregated, comprehensive view of your financial portfolio. The features and functions of FFASTrack enable you to actively manage your current budget while planning for the future. FFASTrack gives our team the ability to analyze your complete financial picture, and provide more flexible, comprehensive planning services to better address your changing needs. Learn more about FFASTrack in this short video: FFASTrack Video
Many people don't realize the necessity and benefits of estate planning. Combined assets, including home values, businesses and investment accounts may create a vulnerability to estate taxes that can deplete up to 50 per cent of an estate’s worth. A sound estate plan can provide for the effective preservation and transfer of wealth, a potential reduction in estate taxes, as well as an avoidance of probate. Review our Estate Planning Brochure for more information.
Bonds provide investors with a wide range of investment opportunities than can complement a portfolio. Also known as fixed income investments, adding bonds to a portfolio may result in an important level of diversification. Bonds can serve some very specific investment needs, such as providing retirement income, and have historically demonstrated less market volatility than stocks. Review our Fixed Income Brochure for more information.
Planning for unforeseen events is often an overlooked aspect of financial planning. Without an insurance strategy in place, one unfortunate event can quickly erode an investment plan. A solid insurance strategy involves determining what types of insurance are needed, how much is needed and finally how to obtain the most appropriate coverage at the lowest cost. Because your needs are unique, we will tailor the plan to protect what is most important to you and your loved ones. Review our Insurance Strategies Brochure for more information.
Our mission is to help each client reach their unique financial goals and dreams. Whether you're planning for college, building a business, or saving for retirement, we'd like to help develop a strategy to get you there. Whether you're a first time or experienced investor, you can rely on FFAS, Inc. to provide you with the level of advice you require. We are committed to providing impeccable, unbiased advice and service, delivering a broad range of investment resources to our clients. Building you a sound financial future is our highest priority and, as an independent firm, we place your interests and concerns first. For a list of our service offerings please review our Capabilities Brochure.
SEC Form ADV Parts 2 & 2B - 2020
This Brochure (Part 2A) provides information about the qualifications and business practices of First Financial Advisory Services, Inc. The accompanying Brochure Supplement (Part 2B) provides information for each individual that FFAS supervises who formulates investment advice for and has direct contact with advisory clientele. FFAS ADV PART 2 & 2B - 2020