First Senior Financial Group

Crash-Proof Retirement with Phil Cannella on the 10! Show

About Us

35 Years in the Making

First Senior Financial Group has built a 35-year reputation of doing the right thing for seniors. Our CEO, Phillip J. Cannella III, has been working exclusively with older Americans since 1975, when he pioneered long-term care insurance. Phil lived with his grandparents in his youth, and watched helplessly as his family lost almost everything when his grandfather had a stroke and had to stay in a nursing home. Because of that experience, Phil has dedicated his life to senior advocacy and the education of retirees about their financial matters. We are a national firm made up of elite retirement advisors, and are growing rapidly. Phil has become the experts' expert, and the best and the brightest advisors in the country have begun to take notice. Phil was recently featured in the highest-profile publication in our industry, Senior Market Advisor. Click here to read the article.

Education of American retirees is Phil's driving force, and the mission of everyone at First Senior Financial Group. Phil regularly conducts live educational events that show seniors how they can use little known IRS and IRA regulations to their advantage, and Crash-Proof^™ their retirement years.

Click anywhere on the video screen to the right to view Phil Cannella educating seniors like you.

Phil is so dedicated to educating seniors that he's written a new book, Crash-Proof Retirement^™: The Planning Isn't Over. Crash-Proof Retirement^™ is packed with real-world solutions that will help you ensure a comfortable retirement. Phil has taken his 34 years of senior advocacy and his thorough knowledge of financial and retirement rules and regulations and condensed it into one easy-to-read volume. You'll love Phil's conversational style and practical philosophies you can use to improve your retirement right away. You can get a free copy when you come to one of our offices near you for a free consultation. Click here to take a Personal Financial Checkup and make an appointment today!

The Sword of Truth

Wielding the Sword of Truth is a personal philosophy of our CEO, Phil Cannella. It means that we always deal with truth and accurate information. But it's more than that: it also means we present the truth in a way that's easy to understand and meaningful to your situation. It's a double-edged sword: Accurate information that you can use to improve your financial situation.

Phil Cannella's standards for advisors are the very highest, because there are a lot of financial professionals out there who are just in the business to make a buck. This is where First Senior Financial Group is out to change the way the financial industries in the United States deal with the American retiree. We are upfront, honest, and forthcoming about your financial options, and will always present a clear, comprehensive picture of what we can accomplish for you, in writing, before you make any decisions. Our compensation never comes out of your assets, and we never charge ongoing commissions or market fees.

And remember, when you make an appointment with First Senior Financial Group, you can be sure that you're getting:

A friendly, professional, well-trained senior advocate who will answer your questions truthfully and accurately.
A comprehensive diagnosis of your financial symptoms.
A customized, carefully-orchestrated concert of financial vehicles that will guarantee safety of principal without market risk or market fees, and that will give you the greatest potential for growth ahead of inflation. We promise it, guarantee it, and we'll put it in writing.

Click here to take a Personal Financial Checkup and make an appointment today!

If you're an advisor, click here to see if an opportunity with First Senior Financial Group may be right for you.

Important Questions to Ask Your Advisor

You know how important your nest egg is to you—you've worked and saved your whole life to accumulate it. Now it's the Retirement Phase: It's time to harvest, Crash-Proof^™, and draw down those retirement accounts. But does your current financial advisor know how you can access your IRAs or other retirement accounts without causing you a massive tax attack? Our advisors do. We know how you can have a tax-free IRA in retired years. We know how you can avoid required minimum distributions (RMDs) even if you're older than 70½. We know how you can have a 10-year income and not report 85% of it on your tax return. And that's just the beginning.

If you're not sure how much your current advisor knows about retirement, and specifically YOUR retirement, try asking him or her the questions below. If you're not satisfied with your advisor's answers, then you know it's time to find a specialist—like First Senior Financial Group.

Can you tell me how to have a tax-free IRA in retired years?
Do you know about the exclusion ratio from IRS, which will allow me to have a tax-favored income over 5 years?
Can you tell me how to have a 10-year income and not report 85% of it on my taxes?
What was the last IRA or IRS law you learned about?
What specialized classes or education courses have you taken that apply specifically to retirees?
What percentage of your clientele is in their retired years?
Do you deal with all age groups, or just people in retired years?
Do you stay informed about changes in IRS law that may impact my IRA in retired years? If so, what's the latest change you learned about?
Will you calculate and distribute my IRA to my beneficiaries over their life expectancy?
Can you handle distributions to multiple beneficiaries?
Are there any important deadlines that my beneficiaries and I must be aware of? If so, what are they?
Will you distribute my IRA proceeds to my designated charities?
How will you handle my IRA if my estate is named the beneficiary?
Do you have a program to inform my beneficiaries of the choices that they have available after I pass away?

Not satisfied with the answers? Click here to take a Personal Financial Checkup and make an appointment for a free, no-obligation consultation with a First Senior Financial Group advisor today!

Remember, when you come in for your appointment, you'll receive First Senior Financial Group CEO Phil Cannella's new book, Crash-Proof Retirement^™: The Planning Isn't Over. Crash-Proof Retirement^™ is packed with real-world solutions that will help you ensure a comfortable retirement. Phil has taken his 35 years of senior advocacy and his thorough knowledge of financial and retirement rules and regulations and condensed it into one easy-to-read volume. You'll love Phil's conversational style and practical philosophies you can use to improve your retirement right away.