First Financial Advisors Inc

First Financial Advisors, Inc. is a Michigan-based investment advisor firm established in 1988. The firm specializes in providing discretionary investment management and financial planning services, focusing on no-load, load-waived, and no transaction fee mutual funds and exchange-traded funds. They offer tailored financial planning and consulting services covering various topics such as retirement planning, education funding, and estate planning. The firm charges fees based on a percentage of assets under management, with rates ranging from 1.00% to 0.375% depending on the asset value. Clients have investment discretion but can set restrictions if needed. The firm's investment strategies are primarily long-term, utilizing a "buy and hold" philosophy and asset allocation principles based on Modern Portfolio Theory. The firm's owners are Anthony G. Tidswell, James A. Mikesell, II, and Eric M. Lans, who are equal shareholders. They act as representatives of the firm and provide continuous advice and actively make investment decisions for clients based on individual needs. The firm operates under a Code of Ethics, ensuring loyalty to clients and compliance with relevant securities laws. Clients receive quarterly investment reports and have access to proxy materials for voting on securities. The firm does not engage in performance-based fees or receive compensation for client referrals. Clients' assets are held by qualified custodians, and the firm does not provide custody services. The firm's investment advisors, including Eric M. Lans, Anthony G. Tidswell, and James A. Mikesell, II, have no disciplinary events to disclose and are supervised internally.