The FirsTrust Difference
The FirsTrust Difference


Who are traditional FirsTrust clients?
Affluent retirees and those who aspire to become one; individuals and families; professionals and business owners; Trustees and pensions.

Do you require a minimum account size?


How can FirsTrust compete with the big name financial institutions?

We have prior, first-hand experience at major financial institutions; and we believe our clients receive greater expertise, a broader scope of choices, and completely unbiased objectivity - at a lower overall cost.

What is a FinancialTeam?

A FinancialTeam is our ensemble of expert investment managers, financial advisors, estate planners, tax experts & retirement specialists who collaborate to help our clients make wise financial decisions.

What does INDEPENDENT mean?

Nobody can serve two masters. As an independent firm, we maintain undivided loyalties to our clients' best interests and not the profit agenda of a Wall Street employer.  

What is the biggest difference between you and similar looking firms?

It's probably just the way we think. "What would WE want if WE were the clients?"

For example:

  • There are no chairs in our lobby, because we don't like sitting around in "waiting rooms".
  • We don't hold licenses to receive commissions and sales incentives because we would want good advice, not a good sales pitch.
  • We require many years of education and experience from our advisors because we wouldn't want our own money in the hands of a rookie.
  • We refuse to associate with any bank, brokerage or Wall Street firm, because we know they have conflicting profit agendas. 
  • We spend a lot of time helping our clients eliminate unnecessary taxes, fees and investment expenses because we wouldn't want to pay them either.

 What's the difference between a "broker" and an "advisor"?

The vast majority of today's "fiduciary" adviors are "dual licensed" to charge a fee for advice and to receive commissions and incentives for selling investments, insurance and annuities.

Is my money safe with FirsTrust?

Your money is never at FirsTrust. You can avoid being the victim of a broker who "Madoff" with your money by never giving them your money in the first place. Maintain safety and retain control by holding your accounts at a major, discount brokerage (TD Ameritrade, Schwab, etc.) Then, you can authorize FirsTrust to manage the investments in your accounts without giving away full control or authority.

What is your investment style?

Another excellent question. Many funds have one specific investment objective and many advisors have their own specific style. At FirsTrust, we believe each client's individual goals set the investment objective, and we believe in achieving that objective by implementing investment techniques that offer the highest probability of success with the least amount of expected risk, tax drag and cost. 

I think my broker is also a Fee-Only Advisor.

Only about 5% of advisors are actually Fee-Only; which means they ONLY hold a license to provide advice for a fee. Most advisors are "fee-based"; they hold various licenses to charge fees and receive commissions from your investments. Ask any advisor which other licenses he/she holds, and you'll probably find out what he or she will eventually "recommend" (mutual funds, life insurance and annuities, stocks & bonds, etc.). 

Who typically hires an independent, Fee-Only advisor?

Anyone who wants unbiased financial advice from a seasoned expert with no products to promote, no conflicting profit agendas, no corporate sales pressures or quotas, and a ton of high-tech resources.

What is your principal field of expertise?

This is another great question - because nobody is an expert in everything. At FirsTrust,  our Comprehensive Wealth Managers are general financial planning practitioners, and our investment management, tax and estate planning experts are specialists who collaborate as a FinancialTeam on comprehensive wealth management solutions for your family.

How often do we meet with you to review progress?

Routinely, often quarterly, and always at your convenience. For International clientele and those who prefer video conferencing, we frequently communicate via today's modern web technologies.

What reports do you provide, and where do they come from?

We use complex data aggregation systems to retrieve information from your financial accounts, wherever they are held. The data is consolidated into a single platform that can generate dozens of analytical reports, and it provides you with a secure, real-time web dashboard to see all of your updated accounts and documents, 24/7.

Can you provide references?

Absolutely. Better yet, we can provide a list of CPAs and attorneys who are familiar with our services and willing to stake their own reputations on recommending us.

How do we get started?

A brief, initial conversation can help determine if we appear to be a good fit. If so, we can schedule a complimentary initial meeting to discuss your situation in further detail.


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