First Financial Services

1. Inventory of all Financial Papers: Mutual Funds, Stocks, Bonds, Bank Certificates, Tax Shelters, Insurance Policies, Annuities, Wills, Trust Agreements, Tax Returns, Group Benefits and Business Agreements must be gathered and analyzed.

2. Investment Direction: Our goal is Long-Term capital appreciation with diversification. We seek out and utilize large, professionally managed funds in tune with your personal philosophy with regard to long-term tax planning. In addition, we use tax-advantaged investment instruments and implement various investment strategies designed to meet your financial goals and objectives.

3. Insurance Consultation: We represent many Insurance Carriers to assure you that your program offers the highest quality benefits at the least possible cost. Special consideration is given to life/health and disability coverage.

4. Accounting and Tax Services: In conjunction with your tax preparer or our staff preparers, we try to maximize your after-tax income by coordinating all your financial affairs. Our services range from tax advice to complete tax services.

5. Estate Planning: This area is probably the most overlooked in total financial planning. We evaluate your assets with a hypothetical probate. Then we analyze your estate for tax and cost saving devices. For example, we implement ideas and concepts in wills, trusts, gift and insurance programs.

6. Retirement and Pension Planning: Complete pension services including SEPs, Tax Sheltered Annuities, IRA’s, and customized corporate pension/profit sharing plans. Our services include investment analysis, direction and all computer back-up service.

7. Business Planning: An analysis of your present business agreements such as buy-sell, key person, deferred compensation and all other fringe benefits.

8. Personal Budget Planning: An analysis of your cash flow, credit, discretionary income and goal-oriented programs such as educational plans for your children.

*Diversification cannot ensure a profit or protect against a loss.

*Estate planning can involve a complex web of tax rules and regulations. You should consider the counsel of an experienced estate planning professional before implementing any strategy.