801-379-2000 / 8013792000

I posted on 2/15/2010. Here's the update.I have joined Federal Financial. We have excellent products. We may not be able help everyone and some people we want to help may not qualify. But if we help you, you won't lose any money but will only profit from it.Remember Warren Buffet's Golden Rules: Rule # 1: Never Lose Money. Rule No. 2: Never forget Rule No. 1.As FFG Account Executiv, I will always make sure of above 2 rules.Some of the people in this thread sounded like: "I don't believe in Obama because he is black. I don't believe in Palin because she is a female". Hear them first and then decide based on issues. Same thing with Federal Financial.

Forgive my post. It got a little long, but I believe it is informative. If you agree please let me know. If you think this is a waste of a 3-4 minutes to read, let me know as well.BTW, before I get into the topic at hand, Hurt Locker just blanked Avatar for the top Oscars tonight. I guess my wife (the film journalist) will have to go see Hurt Locker now. She's quite jumpy at horror films and thought she'd get too nervous with all the tension so she never saw HL and neither have I. I'm hoping it will be back in theaters due to the wins so we can see it the proper way. Any thoughts?As for Federal Financial Group, I have detailed knowledge of the company that I'd like to share. I've been working in the financial services industry for 7 years after getting my MBA at UCLA and enjoying a previous 15+ year career as a VP of international business development in the entertainment, hi-tech consulting and internet industries. I have had my investment and insurance licenses since 2003 and have worked hard to help clients put together sensible financial plans to control their spending, minimize and eliminate debt, increase savings, provide college funding, offer protection in the form of life, health and disability insurance, maximize retirement funding and offer partners who can assist in estate planning if needed. My Mom had her Masters in Taxation and mutiple independent financial planner designations and was one of the first women in this industry back in the 1980s, when our industry was still about 95% white men. I work with some doctors, lawyers, entertainment industry professionals and small business owners, but also with many teachers, public employees, and a broad range of middle class and "working class" individuals and families. I speak Spanish and a couple of other languages from having grown up and lived in 6 countries in Europe for part of my life, so I am often in a position to work with Latino and other immigrant families who don't feel comfortable dealing with sensitive issues like their finances in a second language.I pride myself on treating everyone I meet with complete honesty and respect. I am committed to offering the best solutions available to help my clients achieve financial independence.In 2009 I got a recruiting call from Federal Financial Group (FFG) to see if I'd like to work with them. After meeting with the recruiters and Los Angeles area manager and thoroughly checking out the company, their Better Business Bureau ratings and then chatting with other financial professionals and successful regional managers who had left my previous firm to work with FFG, I was convinced that FFG was a solid, good company with access to great products and services. I affiliated with the firm in mid 2009 while retaining my independent financial advisor status. The great difference between FFG and other top-notch financial firms is that most other firms require their reps to call their friends and family, college buddies, etc. and then start using the phone book or go door-to-door or pay for "free dinner" seminars to attract prospective clients. FFG uses this IMS group to call small businesses and do the leg work of finding business owners or other employees open to a 20 minute meeting to discuss financial strategies. Because these IMS telemarketers are calling people they do not know, the company has found that the only way to get people interested enough to set a meeting is to offer a little incentive gift/prize like the scratch cards. Yes, many of you in this thread are skeptical about the "free prize", which is totally understandable in this age of AIGs, Madoffs, internet scams and all the myriad of crooked financial shenanigans that seem to take place almost daily these days. Yes, most will win the Florida & Bahamas vacation. The 4 nights in Florida require a refundable $25 reservation fee, I think, and they will offer you an opportunity to hear about "vacation ownership -- i.e. timeshares. But there is absolutely no obligation on your part to attend anything to have your 4 nights free. There is some costs to cover taxes, port fees, etc. if you go on the 3-night Bahamas cruise. (about $378-$468 for 2, if I'm not mistaken) as spelled out on the prize sheets. I called the companies involved with the prizes and found that these are some of the same trips offered to members of discount retailers like Sam's Club, you will get a reasonably inexpensive trip and 3 night Bahamas stay (on the island.) If you don't want to shell out the $ for the Bahamas you can still do the 4 nights in Florida for free.The point is this. We all know that nobody would be handing out Ford Explorers for free. The company pays the telemarketers and prize people to have something to entice folks over the phone to take 20 minutes of their time to meet and hear about some financial strategies. This saves me from spending half my day making phone calls to set appointments and allows me to see more people who theoretically have SOME INTEREST in some tax-savings, debt eliminating, retirement savings strategies that can grow your money in good times and protect your money against loss in the bad times. Government statistics indicate that 96% of Americans reaching age 65 will NOT BE FINANCIALLY INDEPENDENT. Most will end up having to work way beyond 65 or will run out of money within 8-10 years of retiring. They think that their $250,000 they saved up will last them as long as they need until they realize that in order to pull out, say $40,000 per year after taxes to replace the $75,000 gross they made until the year before, they will actually need to take out $60,000 to net $40,000 because all your federal and state taxes are due as you take distributions from your "qualified" plans. How long do you think that account will last if you are withrawing $60,000 every year? Say that you are lucky enough to net 7% growth after fees on your account. It would take just 6 years to run out of money. We have an epidemic of financial illiteracy in the nation and I don't believe the traditional financial services industry has done anything to really improve the situation for the vast majority of people. Brokers who have their clients over-exposed to the stock market got people hammered in 2008. People who were counting on another 10-12% from their IRA or 401(k) in 2008 and ended losing 30-50% feel ripped off and shell shocked, especially if they were looking to retire around now. Yes, the market has bounced back solidly since the depths exactly one year ago in March 2009. We are up close to 30% since then. But for those people who saw a 40% loss - say from $500,000 to $300,000, how much gain do they need to recover back to just the initial $500,000? Well $200,000 / 300,000 means you'd have to make back 67% to get to $500K. Great, we're up 30% since March 2009, so you're back up to say $400,000. But wouldn't it have been way better if your $500,000 was intact all the way through the bear market and then started growing as soon as things turned around in 2009. Well, I help my clients learn about just such strategies.From first hand experience, I can tell you that the FFG, the management, the reps and the products are wonderful for the right people. In fact I am so confident in the firm and the products (which are offered by some of the world's best and largest financial giants like Aviva Life) that I am rolling over some of my own family accounts from another company and incurring a multi-thousand dollar loss for pulling out early, because I am so confident that the new retirement plan will outperform my previous market-based plan that I see the short term loss as a minor cost to gain tens to hundreds of thousands more in my new plan. All plans have trade-offs, but most traditional financial industry professionals keep on touting mutual funds and ETFs that are completely subject to market risk and qualified plans that only postpone your taxes from potentially small amounts on your $500 per month (or $100 or $5,000) that you save today until your money has multiplied to a retirement income of, say, $5,000 per month. Would you rather pay taxes of 30% on your $500 of savings today ($150 tax bill) or wait to pay it at retirement when it could be 30% or 40% or 50% of $5,000 per month, or in excess of $1,500. To me, the skeptical MBA who thought he knew everything, (with my Schwab, Fidelity and E-trade accounts, my IRAs, Roth IRAs, brokerage accounts, IPO stock options and real estate holdings,) paying the taxes up front now seems way smarter. But my current plans back in 2003 were absolutely going to kill me at retirment time on taxes. They would also severely restrict me prior to retirement on access due to the penalty of 12 1/2% (10% Federal, 2 1/2% state of CA) for any distributions prior to age 59 1/2. (Bye bye early retirement or emergency money to pay the mortgage when my wife was out of work or whatever...)Please take the opportunity to meet with the FFG rep and see what s/he has to offer. If you don't think the first solutions are right for you, ask for alternatives. We have plenty of options available and everyone's situation is different. Also, because some of the ideas we share with you aren't the ones favored by your broker or are unknown to your CPA, people tend to be skeptical AT FIRST. But I recently met with a former IRS tax attorney who has opened a private practice in Beverly Hills defending business owners with large tax liabilities in cases against the IRS. He was familiar with the issues in the tax code but was amazed at the great solutions that we have for helping clients build a tax-free nest egg at retirement, like a ROTH IRA on steroids, without the limitations. He was so jazzed by what I shared with him that he has asked me to put together a plan for the inheritance he expects from his mother's estate! I hope this slightly lengthy reply helps you feel more comfortable with FFG. If I can be of any assistance over the web, or telephone, I'd be happy to communicate directly. I am actually licensed in many states and can assist folks remotely in many cases if they cannot see me at my offices in Southern California. We can do great things via realtime interactive webinars and 1-on-1 meetings via gotomeetings.com Thanks. Eric F (yourwealthguru@gmail.com)

For a company that makes over a million calls a yr and operates in many states and actually has an "A" rating at the BBB You sure have a way of making it sound horrible. If you have ever had a unhappy client at all, your percentage of complaints is probably higher. And the to bring in something like Epixtar - Which by the way NOONE has claimed in the duration of the RANTING thread is just MORONIC - What type of hidden hatch do you really have to grind

come on guys...no one can pull out money from ur wallets if u dont wish to gv them...soper wat 2 scare about wen u r meeting them at your own familiar place ....

certificate...???? heard first tym

Look again my friend and you will find a phone # and any other contact info you need. Go to the Federal Financial Group site: www.ffg2.com and you will find all of the legitimizing info you desire. What is it with this need to smear a company's good name and reputation with no regard to the facts and the truth?? and yes, I am associated with the company and I'm proud of it. A first-class organization!

Got a call from Federal Financial saying I won a 27in. Panasonic TV or a cruise and something else. I had won a prize in a a promotion as they were trying to get more known in my area. The women talked real fast said she wanted to ask me some questions.I asked for a website address and told her not to call me back and that I would check the company out and call her back if I was interested. She gave me the website www.ffg2.com which takes you to Federal Financial Group. Looks like they sell various life insurance products annuities etc.The return number she gave was 1-866-517-2945.She gave her name as Julie Anderson.(sp) It sounded very suspicious, especially after reading the previous posts. I will definitley not deal with these folks.

Lots of scam companies have "legit" looking websites. Some even operate portions of their business "legitimately" while still taking advantage of people's trust or lack of education in the matter. Insurance and retirement planning "businesses" are the MOST shady among these. If you're looking for help in these areas - contact a reputable, well-established company. Your money, especially investments in insurance and retirement, is too important to risk to someone who shows up on your door step with a scrath off card. If it sounds odd or ridiculous - it probably is.

Someone from this number has called my cell phone multiple times yet never leaves a message. And they've called after 8:00pm....they just called a few minutes ago and it's 7:45pm. Irritating at best.

I just got a call from this number 801-379-2000 too and when I answered my phone someone said can I talked to the manager...I told him it is my cellphone that you are calling and it is not a business... it is just strange he hang up on me....