First Choice Financial Services LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
First Choice Financial Services LLC serves individual and high‑net‑worth clients by providing financial advice primarily through referrals to third‑party money managers and by offering estate‑planning support services. The firm acts as a liaison—helping clients complete third‑party paperwork, delivering required disclosures, and reviewing quarterly statements from the third‑party managers.
Rather than managing client assets or exercising trading discretion itself, the firm places accounts with external managers (including a disclosed referral relationship with Gradient Investments, LLC) and shares in the third‑party advisory fees while performing ongoing oversight and client communications. Clients work with the firm to document goals and risk tolerance through Investment Policy Statements, and the firm draws on fundamental, technical, and cyclical analysis when making recommendations or selecting third‑party managers.
Distinctive features include the firm’s affiliation with insurance agencies and its receipt of substantial revenue from insurance commissions—a conflict the brochure discloses and says is mitigated through procedures and client disclosures. Compared with many peers, First Choice does not provide direct portfolio management or charge its own percentage‑of‑AUM advisory fees and instead supplements its referral model with a negotiable, flat‑fee estate‑planning support offering.
Client services
Expertise
Fee options
Estate planning support services charged as a negotiable flat fee, maximum $1,000
$0+: Custom Indexing 6 Strategic & Allocation: 1.95% annually $0+: Strategic Portfolios: 1.80% annually $0+: Tactical Portfolios: 1.70% annually $0+: Allocation & Defined Outcome Portfolios: 1.60% annually $0+: Preservation Portfolios: 1.00% annually $0+: Private Wealth Portfolios: 1.50% annually
Minimum fee: Estate planning support services charge a negotiable flat fee up to $1,000
Main office
1301 West 22nd Street, Suite 805
Oak Brook IL 60523
Advisors at this office
4
Most active in
Florida · Illinois · Texas
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
Advisors at this firm
Justin M
Series 65
Oak Brook, IL
First Choice Financial Services LLC
Justin Mccormack is a financial advisor with First Choice Financial Services LLC in Oak Brook, IL, holding a Series 65 license and 12 years of industry experience. He has been with First Choice Financial Services since 2013 and is also involved with First Choice Insurance Agency, where he has served in various roles since 2005. First Choice Financial Services LLC serves individual and high-net-worth clients by providing financial advice primarily through referrals to third-party money managers and estate-planning support. The firm acts as a liaison, assisting clients with third-party paperwork and ongoing oversight, while drawing on fundamental, technical, and cyclical analysis in its recommendations.
Kevin S
Series 65
Oak Brook, IL
First Choice Financial Services LLC
Kevin Susmarski is a financial advisor at First Choice Financial Services LLC with one year of industry experience. He holds a Series 65 designation and has a background in law enforcement, serving as a sergeant and patrol division supervisor at the Village of Hinsdale Police Department since 2001. In addition to his advisory role, he is a licensed insurance agent operating as a sole proprietor. First Choice Financial Services LLC serves individual and high-net-worth clients by providing financial advice primarily through referrals to third-party money managers and estate-planning support. The firm acts as a liaison in client communications and oversight, focusing on client goals and risk tolerance without directly managing assets.
Michael P
Series 65
Oak Brook, IL
First Choice Financial Services LLC
Michael Perna is a financial advisor at First Choice Financial Services LLC with 18 years of industry experience. He holds a Series 65 designation and has been involved in the financial and insurance services industry since 1983, serving as president of Michael Perna and Associates, Inc. and First Choice Insurance Agency. First Choice Financial Services LLC provides financial advice to individual and high-net-worth clients primarily through referrals to third-party money managers and offers estate-planning support services. The firm focuses on client communication, oversight of third-party managers, and employs fundamental, technical, and cyclical analysis in its recommendations.
Brian B
Series 65
Oak Brook, IL
First Choice Financial Services LLC
Brian Bullington is a financial advisor at First Choice Financial Services LLC with one year of industry experience. Prior to his advisory role, he was a professional athlete for nine years. First Choice Financial Services LLC serves individual and high-net-worth clients by providing financial advice primarily through referrals to third-party money managers and estate-planning support, acting as a liaison to facilitate documentation, disclosures, and reviews. The firm does not manage assets directly but selects external managers using fundamental, technical, and cyclical analysis while maintaining ongoing oversight and client communications.
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