1st Financial Investments, Inc.

What 1st Financial Investments, Inc. does

1st Financial Investments, Inc. is a privately held financial advisory firm headquartered at 116 North State Street in Clarks Summit, Pennsylvania, serving clients across Northeastern Pennsylvania (NEPA) for over 13 years. The firm specializes in two core offerings: Fixed Index Annuity Strategies, distributed through its affiliated licensed insurance agency (1st Financial Safeguard Co., operating as a DBA of the company), and Social Security Planning Strategies, providing professional analysis for benefit maximization and retirement-income optimization. Investment Advisory Services are delivered through a separately registered affiliate, 1st Financial Investment, Inc., a State Registered Investment Advisor; the firm explicitly does not operate as a broker-dealer and does not provide legal or tax advice.

The company's product surface is advisory rather than technology-based. There is no proprietary platform, software, or AI capability; the website and Resource Center (covering Retirement, Investment, Estate, Insurance, Tax, Money, and Lifestyle topics with calculators, videos, and articles) are powered by FMG Suite, a third-party marketing infrastructure used widely by independent financial professionals. The team's three identified professionals — Phil Goldstein (Insurance Professional), Kerry Ellis (Office Manager), and Michael Pajka (Insurance Professional) — operate from a single regional office, and the firm has no subsidiaries, parent company, or external equity backing.

Revenue is generated through two streams: commissions on fixed-index annuity products (principal and income guarantees are backed by the claims-paying ability of issuing insurance carriers) and fees for investment advisory services booked through the affiliated RIA. Distribution is exclusively direct and sales-led, relying on phone inquiries, website contact forms, and in-person consultations at the Clarks Summit office. The customer base is composed entirely of individual retirees and pre-retirees in NEPA; no enterprise, institutional, or recurring SaaS-style pricing model exists. No revenue figures, funding history, M&A activity, or product roadmap information is publicly disclosed.

Name

1st Financial Investments, Inc.

Legal name

1st Financial Investments, Inc.

Website

https://1stfininvest.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

1–10 employees

Short description

1st Financial Investments, Inc. is a privately held, three-person financial advisory firm in Clarks Summit, Pennsylvania, serving retirees and pre-retirees in Northeastern Pennsylvania with fixed index annuity products, Social Security planning, and investment advisory services delivered through affiliated entities.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAEACAJ

Fixed Income Brokerage (Bonds)

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Securities Brokerage (Retail & Institutional)

SECONDARYFSAAAEAB

Fixed Income Mutual Funds

Financial & Insurance/Asset & Wealth Management/Asset Management — Mutual Funds & UCITS

Keywords

• Fixed index annuities
• Retirement income planning
• Social security planning
• Investment advisory services
• Insurance agency

Headquarters

HQ city

Clarks Summit

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Fixed Index Annuity Products: Commissions from fixed-index annuity products offered through affiliated company 1st Financial Safeguard Co. Principal guarantees and income guarantees are backed by the claims-paying ability of issuing insurance companies.
2. Investment Advisory Services: Investment advisory services offered through affiliated company 1st Financial Investment, Inc., a State Registered Investment Advisor.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

1st Financial Investments, Inc. is a financial advisory and licensed insurance agency that provides fixed-index annuity products, Social Security planning analysis, and investment advisory services to individual clients. Fixed insurance products are offered through its affiliated insurance agency 1st Financial Safeguard Co., while investment advisory services are offered through its affiliated State Registered Investment Advisor 1st Financial Investment, Inc.

Product overview

1st Financial Investments, Inc. is a financial advisory firm offering a unified suite of financial planning services, not a software platform. The core offerings include Fixed Index Annuity Strategies (providing principal-guaranteed insurance products) and Social Security Planning Strategies (professional analysis for maximizing Social Security benefits). The company also provides Investment Advisory Services through its affiliated State Registered Investment Advisor, as well as Insurance & Annuities products through its licensed insurance agency. Supporting these core services is a comprehensive Resource Center featuring educational content across seven categories: Retirement, Investment, Estate, Insurance, Tax, Money, and Lifestyle—each containing articles, calculators, and videos. The portfolio is built around financial advisory services rather than a technology product, with FMG Suite providing the web platform infrastructure.

Differentiator

Problem solved

Functional benefit

Products and services

• Fixed Index Annuity Strategies

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• 1st Financial Safeguard Co.coreOthersAffiliated insurance company (dba 1st Financial Investments, Inc.) that offers fixed insurance products including fixed-index annuities. Principal and income guarantees are backed by the claims-paying ability of the issuing insurance company.
• 1st Financial Investment, Inc.coreOthersAffiliated State Registered Investment Advisor that offers investment advisory services. Not a broker/dealer and does not offer legal or tax advice.

Scale indicators1 record

Recent moves4 records

Expansion highlights3 records

Broad incumbents

• Edward Jones: Large independent financial advisory firm with a deep network of local branch offices serving individuals and families on retirement and investment planning. Operates a similar locally-rooted, face-to-face advisory model to 1st Financial, though with national scale.
• Ameriprise Financial: Large diversified financial services firm with a national network of independent advisors offering investment advisory and insurance/annuity products. Comparable to 1st Financial's hybrid insurance-advisory model, though at vastly greater scale and with broader product offerings.
• New York Life:

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/1st-financial-investments-inc.

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about 1st Financial Investments, Inc.