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Client Center 
FAQs
General
Q. What fees do you charge for planning? In general we don't charge fees for client appointments. We can charge for managed investment accounts and financial plans, but the majority of our planning is done without a fee.
Q. If you don't charge fees, how are First Financial Group representatives compensated? Most financial products and services have compensation embedded in them. In 1995, we changed our business model from fee based financial planning to compensation for implementation of products and solutions. As a firm we found that the changes recommended in fee based plans didn't often get implemented. We determined that our role in clients' lives was to help them implement solutions that could improve their financial situation. During our long term relationship with clients there is almost invariably compensation via commissions. We believe that unless we improve our clients financial lives we shouldn't be compensated.
Business Owners
Q. Doesn't my will already take care of my business continuation plan? Generally, no, so you need to ask yourself these questions: Can your spouse or other heirs run your business? Do you want to be in
business with your partner's spouse?
Q. Who will buy me out at retirement? This is an often overlooked area so you should realize that even though you may have a personal retirement account, but this does
Necessarily have anything to do with a retirement buy out.
Q. If I'm a sole proprietor and I plan to leave the business to my children, do I need a business continuation plan? Without a plan, the interests of all your children may not be protected. The IRS may end up being your biggest heir.
Q. How do I convert my business success into personal enjoyment? This is one of FFG's areas of expertise. Coordination of personal and business planning can provide tremendous opportunities
for flexibility and wealth creation.
Individuals
Q. I'm 50 years old right now and plan on a retirement income of $50,000 per year. Is that reasonable? With a hypothetical 4% inflation rate, you'll need more that $162,000 per year by the time you reach 80 years old.
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