First Financial Advisory Services

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

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.

Retirement Planning

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.

*First Financial Advisory Services, Inc. is not affiliated with the U.S. government or a governmental agency. This advertisement has not been approved, endorsed, or authorized by the Social Security Administration.

Asset Management

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.

*Asset allocation is an investment strategy that will not guarantee a profit or protect you from loss.

*A diversified portfolio does not assure a profit or protect against loss in a declining market.

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

Estate Planning

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.

Fixed Income

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.

*The return and principal value of bonds fluctuate with changes in market conditions. If bonds are not held to maturity, they may be worth more or less than their original value.

Insurance Strategies

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.

*The cost and availability of life insurance depend on factors such as age, health, and the type and amount of insurance purchased. Before implementing a strategy involving life insurance, it would be prudent to make sure that you are insurable by having the policy approved. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications.

Capabilities Brochure

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, objective advice and service, delivering a broad range of investment resources to our clients. Helping you build 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 2A & 2B

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: ADV Parts 2A & 2B

SEC Form ADV Part 3 Form CRS

This Client Relationship Summary provides information about the types of services we offer, the fees, costs, conflicts of interest and required standard of conduct associated with the services we provide: ADV Part 3 - Form CRS

Answers to Key Questions can be found at Client Center/Answers to Key Questions Form CRS on the navigation bar.