1st Financial Planning Group, Inc.

1st Financial Planning Group serves individuals and high‑net‑worth individuals, providing financial planning, written evaluations and periodic reviews, and qualified plan consulting offered on an hourly basis. The firm also sells annuities, partial life settlements, insurance, and other commissioned estate‑planning products and acts as a liaison when clients engage third‑party money managers.

The firm does not manage client assets or accept discretionary trading authority; instead it delivers recommendations and assists clients who choose to place assets with third‑party money managers. Those third‑party managers commonly charge percentage‑of‑assets fees and pay the firm referral and ongoing fee shares; the firm itself does not charge a direct percentage‑of‑AUM management fee.

Distinctive aspects noted in the brochure include that the managing member spends the majority of business time on insurance and commissioned product sales (disclosed as more than 80% of time), a practice the firm identifies as a potential conflict and addresses through disclosures and fiduciary procedures. The firm also limits its direct advisory activities—no custody, no proxy voting on client securities, and reliance on third‑party managers with incentive arrangements tied to AUM thresholds—rather than providing direct portfolio management to individual clients.