Combining diversification and personalization to deliver returns.
Each client situation is unique and therefore requires individual attention. At FFT, we don't paint our clients with a broad brush and lump them in to a cookie cutter product offering. We custom tailor each account to our clients' needs with a focus on meeting their return objectives in consideration with their risk tolerance. The foundation of our investment philosophy revolves around diversification for the purpose of reducing risk while enhancing returns.
On the equity side, we start with a core of high quality, large cap U.S. companies through the use of individual common stocks or low cost ETFs. We then surround that core with asset classes that have varying degrees of correlation to the U.S. stock market. Over time, this strategy has shown effectiveness in lowering the variability of returns.
For fixed income, we favor individual bonds over mutual funds. Doing this allows us to control duration and target different areas of the yield curve while not sacrificing income to fees. We focus on investment grade quality bonds in the corporate, municipal, government, and government agency sectors. We also incorporate quality preferred stocks for their above average yields.
INDIVIDUALS & FAMILIES
The First Financial Trust Difference.
It can be difficult to know how to handle any financial challenges whether you are managing a trust, a large inheritance, or significant assets. The benefits of working with a true fiduciary like us is that whether you are a single investor or planning your financial future with a family, we have the services and support to shape and meet your goals.
Our method is different from other investment advisors. As one of about fifty nationally chartered trust companies in the United States, we are bound by a federally mandated standard that obligates us to serve your best interest and your best interest only. However, being a true fiduciary is more than just a legal designation. It's our passion, mission and how we work with our clients everyday - by putting your best interest first.
Experience the First Financial Trust difference for yourself.
- Work directly with a dedicated investment professional
At First Financial Trust, we create lifetime relationships with our clients. Trying to figure out how to invest and protect your money is not easy. It makes a difference to work personally with an investment professional who understands you and is dedicated to your financial success. We'll meet with you to understand all of your dreams, goals and needs. We'll come up with a personalized plan together and communicate directly with you on an ongoing basis. Life is complicated and always changing, which is why we continually monitor the evolving landscape of your life and your financial needs. You get the power of our experienced team working together, and the benefit of a personalized plan and relationship with one of our investment professionals.
- Grow and protect your assets at every stage of life
Whether you're planning for retirement, looking to create a legacy, starting to think about sending kids to college or just about any other financial goal, we're here to help. As you navigate all of the stages of your life, you want to be sure that your investment plan and partner grows with you. Perhaps you're starting a business or ready to sell one, managing a windfall or grappling with a sudden life event. No matter what stage you're in, we find ways to help your money fit the needs you have today and over time. Investing with First Financial Trust means your money will grow and be protected, regardless of your goals.
- Incorporate smart tax strategies
You've worked hard for you money. When your assets grow and you are saving and investing, it is paramount that your investment partner understands how to leverage the ever-changing, highly-complex tax laws. That's why considering your personal tax strategy is essential. We partner with tax professionals we trust to find ways to give your accounts as many tax advantages as the law will allow. Many of our clients already have tax professionals that they are working with and we can easily partner with them to look at your entire investing picture. Understanding the implications of taxes on trusts, inheritance or other estate plans is the only way to ensure your hard work will not be swallowed up by probate fees or capital gains taxes. Putting you in control of smart tax strategies is what we do for our clients every day.
- Full service banking through The Savings Bank
Here at First Financial Trust, we deliver the personal service and relationships that make a difference and then deliver a wide variety of banking services through our parent company, The Savings Bank. As a subsidiary of this well-established banking institution that was founded in 1869, our services are backed by the power of a larger bank. Whether you need a mortgage, a checking or savings account, a personal loan or more, our services retain the personal touch you will come to expect from us day-to-day.
Dedicated to help companies of all shapes and sizes grow and thrive.
In addition to helping individuals and families, we work with a variety of corporate and institutional clients. Their needs and goals may be different than private clients, but our fiduciary approach and mission to put their best interests first still applies. As an institutional client here at First Financial Trust, you can expect the same personal relationships and focus on understanding you, your company and your specific goals.
- Dedicated team acting as a true fiduciary to meet investment goals/objectives
Because we abide by the same fiduciary rules for both private and corporate clients, we act in the best interest of you, our client, under all circumstances. Few asset management and investment companies can claim that they are holding their investment professionals to the highest possible standard, but as one of about fifty nationally chartered trust companies in the United States, we can.
- Enhanced Cash Program that offers protection, liquidity, and higher returns than money market funds
Are money market funds feeling too limited? Hedge funds far too risky? Try our Enhanced Cash Program and see the potential for higher returns than money market funds with the protection and liquidity of a lower risk fund. We'll meet with you to understand the goals for your company and then decide the best funds and investment strategy to make them a reality.
- Employee benefit plan management
As a business owner, one of your greatest assets is your workforce. Your employees are the heart of your business and we want to help you take care of them in the best way possible. One of the services we offer our institutional clients is a full-service employee benefit management planning service. We partner with you to give your employees the best benefits possible and, we take the administration and ongoing management off your plate.
- Full service banking through The Savings Bank
Here at First Financial Trust, we deliver the personal service and relationships that make a difference and then deliver a wide variety of banking services through our parent company, The Savings Bank. As a subsidiary of this well-established banking institution that was founded in 1869, our services are backed by the power of a larger bank. Commercial loans for new business ventures, significant mortgages for estate properties, and other broad scale needs can be met, while our services retain the personal touch you will come to expect from us day-to-day.
- Bill Paying Services
Sometimes, it's just easier to have an accountant pay your bills for you. However, your accountant doesn't usually also know your overall fiscal plan. We can pay your vendors and expenses, while at the same time, we are continually monitoring all of your financial goals and providing oversight to ensure that your broadest range of goals are continually being met by your organization.
Specific resources and services to help non-profit companies succeed.
We know non-profits have unique needs and every non-profit is different. We have specific experience in working with non-profit organizations and navigating some of the most challenging aspects of fiscal management and planning for organizations just like yours.
- CFO Services
Often times, non-profit companies are resource challenged and can benefit from financial guidance and expertise but they don't have the right talent on-staff. Because of our extensive experience working with non-profit companies, we are able to offer a financial partnership program that allows us to oversee and manage all of the aspects of financial management, without you having to hire an in-house executive or team. You and your company benefit from the wide range of experience and expertise we bring to the table and we can help you make the best decisions for your business.
- Dedicated team of investment and administrative professionals that work with you to satisfy your Fiduciary responsibilities.
Because non-profits have ethical and legal obligations that exceed those of traditional for-profit corporations, a partnership with us gives you the best, clearest understanding of your entire fiduciary outlook, encompassing all three Fiduciary obligations: the duty of care, the duty of loyalty, and the duty of obedience. We help your leading members understand how to interpret and execute these responsibilities during their tenure on your board of directors.
- Work with boards to develop, review, or modify Investment Policy Statements (IPS) and implement strategies to meet objectives and spending needs
In addition to the fiduciary responsibilities, non-profits have to consider additional elements such as fundraising and donors and long-range planning. Because our services are holistic, we work with non-profit boards to create deep strategies to implement the most financially beneficial plans for your organization.
- Detailed reporting capabilities to board members
Since we create comprehensive plans for our clients, we provide detailed analysis for actionable outcomes. Simply put, we see clearly what needs to be done and can help you explain to your board your overall plan for moving your vision forward.
- Bill Paying Services
As we do with our partners, our non-profit clients can benefit from the wide breadth of financial experience we have in a multitude of ways. We can take one simple thing off of your own to-do list as a busy non-profit director. Not only will we pay your bills for you, but provide ongoing cost-benefit analysis of all of your expenses.