1st Choice Financial Services

Business Details

Premier Retirement Planning Solutions

1st Choice Financial Services is built on a biblical foundation, guided by the principle of stewardship as a divine directive. We specialize in retirement planning, offering independent, unbiased financial strategies tailored to individual needs. Our fiduciary commitment ensures every recommendation prioritizes client interests, fostering trust through transparency. With expertise across economic levels, we help clients navigate retirement's complexities, including longevity, inflation, and tax risks.

Our personalized approach considers each client's unique financial situation, health, and lifestyle goals. We emphasize lifelong financial partnerships, adapting strategies as clients' circumstances evolve. Our team's dedication to excellence and client-centric philosophy has earned us recognition as a trusted advisor in securing financial futures.

Services

Retirement Planning Wealth Management Social Security Optimization Tax Planning Estate Planning Annuity Consultation Life Insurance Income Strategies Risk Management Financial Education

Highlights and features

We operate under a fiduciary standard, prioritizing client interests above all.
Our biblical foundation guides ethical financial stewardship practices.
Personalized strategies address six key retirement risks: longevity, liquidity, inflation, market, mortality, and taxes.
Comprehensive approach integrates tax planning, estate management, and income strategies.
Proven track record serving retirees in Central Pennsylvania for over two decades.

What people say

Personal attention Trustworthy advisors Knowledgeable staff Timely solutions Christian values

Website

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Services

Retirement Planning

Our retirement planning service creates customized strategies to help clients prepare for financial independence. We analyze current assets, project future needs, and develop risk-mitigated plans addressing longevity, inflation, and market volatility. Our approach integrates tax-efficient withdrawal strategies and income diversification techniques to ensure sustainable cash flow throughout retirement.

Wealth Management

Wealth management services focus on optimizing financial resources through strategic asset allocation and portfolio management. We balance growth and protection objectives while considering tax implications, estate planning needs, and insurance coverage. Our holistic approach ensures all financial aspects work cohesively toward long-term retirement goals.

Social Security Optimization

This service specializes in maximizing Social Security benefits through strategic filing decisions. We analyze claiming options, coordinate spousal benefits, and implement delayed filing strategies to enhance lifetime income. Our approach considers individual circumstances to determine optimal benefit commencement timing.

Estate Planning

Estate planning services ensure proper asset distribution while minimizing tax liabilities. We coordinate wills, trusts, and advanced directives to protect client wishes. Our approach addresses healthcare directives, financial power of attorney, and charitable giving strategies to create comprehensive legacy plans.

Annuity Consultation

Annuity consultation focuses on evaluating fixed-indexed annuities as retirement income solutions. We assess suitability based on individual risk tolerance and income needs, explaining guaranteed lifetime income options while clarifying associated benefits and limitations of these insurance products.

People

Al Deitrich

Founder

With decades of experience, Al Deitrich established 1st Choice Financial Services to provide biblically guided financial stewardship. He specializes in retirement income strategies and has helped numerous clients achieve financial security through personalized planning approaches.

Kevin Deitrich

Financial Advisor

Kevin Deitrich continues the firm's legacy with expertise in modern retirement planning. He focuses on tax-efficient strategies and estate preservation, maintaining the company's fiduciary standards while adapting to evolving financial landscapes.

Tyler

Client Services

Tyler provides client support with a focus on relationship management. He assists in implementing financial plans and ensures clients receive timely, personalized service throughout their retirement journey.

Miranda

Client Relations

Miranda specializes in client communication and financial education. She coordinates educational seminars and ensures clients understand complex retirement planning concepts through clear, accessible explanations.

Mary Ann

Office Manager

Mary Ann oversees daily operations and client interactions. Her role ensures smooth service delivery and maintains the firm's commitment to personalized, relationship-based financial guidance.

Questions

What retirement planning services do you offer?

We provide comprehensive retirement planning including income strategies, tax planning, and risk management tailored to individual financial situations and goals.

Are you fiduciary financial advisors?

Yes, we operate under a fiduciary standard, legally obligated to act in clients' best interests at all times.

How do you handle tax planning for retirees?

Our tax planning focuses on minimizing liabilities through strategic withdrawals, tax-efficient investments, and coordinated retirement account management.

Do you work with out-of-state clients?

While based in Pennsylvania, we serve clients nationwide through virtual consultations and remote financial planning services.

What insurance products do you recommend?

We evaluate life insurance, annuities, and long-term care solutions based on individual needs, focusing on products that enhance financial security and legacy planning.

How often should I review my retirement plan?

We recommend annual reviews or whenever significant life changes occur to ensure your plan remains aligned with evolving financial circumstances.

Reviews (5)

Write a Review

Christine Summers

Aug 21, 2021 Report

I was introduced to Al at one of his workshops. I was so impressed with his overall knowledge of financial preparedness for retirement and social security. I wanted to remain conservative with my savings and Al helped me to understand some options that really appealed to me. After meeting with Al, I felt comfortable with the decisions I made because he took the time to explain everything to me and he answered all of my questions and I never felt rushed. I've been with 1st Choice Financial Services, Inc for over five years and I'd highly recommend either Al or his son Kevin for your financial needs

Donna Hoover

Mar 08, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
My husband & I are very pleased with our experience with 1st Choice Financial Services, Inc. Most of our experience has been with the founder, Al Deitrich. Al is very responsible, answers questions & gives understandable explanations so his clients can make good decisions. He truly cares about his clients. He has integrity.

Terry Koontz

Feb 20, 2021 Report

After my husband passed away I realized I did not have a clue about how to secure my financial future as a widow. I attendeda few workshops by different advisors on Social Security and Retirement and was very impressed with Al and Kevin. My first appointment with them confirmed my initial opinion. They took the time to listen to all my concerns about having enough income during retirement, what my goals for retirement were,and my confusion about my options for taking Social Security and a MedicareSupplement plan. They laid out some options in an easy to understand plan to guide me

Jack Sellers

Feb 13, 2021 Report

Positive:Professionalism
Al and everyone there was professional and caring. They helped review and set up a plan that fit me and my family.

Robert Finley

Oct 14, 2020 Report

Great opportunity to glean information to help make good decisions to fit our needs. I am sure that we should be working with them in the future.