Crash Proof Retirement

Learn more about The Crash Proof Retirement System and start conducting intelligent research using the linked resources provided here.

Personal Financial Check Up

We offer a Financial Consultation at no cost and no obligation to educate you on your retirement options.

Educational Events

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Consumer Testimonials

Hear from real people who have experienced FSFG's education first-hand.

About First Senior Financial Group

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First Senior Financial Group protects people at or near retirement against stock market fluctuations, unscrupulous advisors and exorbitant fees.  To date, First Senior Financial Group has protected millions of dollars in retirement assets, taking them off the volatile stock market and placing them in Crash Proof vehicles which are guaranteed not to lose money.  CEO Joann Small has picked up where founder Phil Cannella left off, continuing First Senior’s proud tradition of providing retirees with truthful, accurate information and helping them plan for a comfortable life in retirement.

At the heart of First Senior Financial Group’s Crash Proof Retirement System is the federally trademarked Crash Proof Retirement Guide.  Our salaried design team will help you choose from more than 550 Crash Proof vehicles available and arrange them in a perfect balance that will ensure you receive a comfortable income every year of your retirement.

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Our CEO, Joann Small

Joann Small has been working in the insurance industry for three decades, and has a wealth of experience dealing with people at or near retirement. Not only does she have the knowledge to help you secure your financial future, she also has the compassion to work with you and make sure you understand what is happening with your money.

How Do We Do It?

The Crash Proof vehicles used in the Crash Proof Retirement Guide are grounded in the Life Insurance industry, an industry that, by law, cannot go bankrupt.  Life Insurance companies are held to the statutory accounting standard, meaning they are accountable for the money they owe you, whether they remain in business or not.  Rather than go bankrupt, Life Insurance companies go into receivership and are still required to meet all of their previous financial obligations.

So unlike Wall Street investment firms, which can go under and take your investments with them, the Life Insurance industry provides a guarantee that they will deliver on the promises they have made to you, the consumer.

Crash Proof vehicles don’t lose money when the market crashes.  The worst case-scenario for you is that your accounts will have zero growth.  For the people who lost everything in the 2008 stock market crash, a gain of zero would have been a far more favorable outcome.  And not only do Crash Proof vehicles not lose money, but a study done by the Wharton School of Business, of the University of Pennsylvania, shows that they have outperformed the S&P 500 in rolling 5-year averages since their creation in the late nineties.  What you get from the Crash Proof System is peace of mind and the potential for gains that match or even outperform the stock market.

The best thing about First Senior Financial Group is that you will never be charged a fee for your Crash Proof education.  We get paid a one-time marketing fee by the Life Insurance companies that hold your Crash Proof vehicles, and that fee does not come out of your principal.  First Senior Financial Group is dedicated to consumer advocacy, and we will never charge you a fee as long as you are a client.


Our Educators have licenses in:

  • Pennsylvania
  • Delaware
  • New Jersey
  • Maryland
  • North Carolina
  • Connecticut
  • Florida
  • Montana

Licenses and Certifications:

  • Accident and Health
  • Life and Fixed Annuity
  • J.D.
  • PhD
  • Real Estate Licenses
  • The Chartered Life Underwriter (CLU)
  • Chartered Financial Consultant (ChFC)

The licenses or certifications mentioned above apply to individual advisors under First Senior Financial Group

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