John Stogner joined First Investors in 2000 after graduating from the University of Kentucky with a bachelor's degree in management. He chose to work for the Company because of its emphasis on highly personalized service, and for the opportunity to help families achieve their dreams.

John strongly believes in First Investors' "Three-Step Approach" to a sound, long-term financial strategy. By focusing on all three areas of clients' needs—savings, life insurance, and investments—he is able to give them a more complete picture of their finances and consequently help clients better prepare for the future. Over the years, John has helped many individuals fund a child's education, attain a comfortable retirement and achieve peace of mind through life insurance.

During his career as a financial services representative, John has received high praise from both his clients and his colleagues. In 2010, he earned the title of Senior Vice President of the First Investors Chairman's Council. Earning membership in the Council is the highest honor awarded annually at First Investors and John has achieved this feat three years in a row.1 John has also been inducted into the Silver Level of the Chairman's Circle, a distinction that honors lifetime career achievement.

When he's not working, John enjoys running road races and spending time with his family. He says, "Much of my success is due to my wife and daughters." John's strong family values are indeed a main motivator as he strives to improve other families' financial situations and helps them reach their goals. His hard work and dedication are just some of the reasons clients refer John to their friends and family time and time again.2

Our Long History of Excellence

First Investors has been serving the needs of clients since 1930. Through the Great Depression, World War II and numerous recessions, we have remained committed to our mission-helping individuals reach their financial goals. We offer a wide range of quality financial products and services, including mutual funds, annuities and life insurance.

Your First Investors Representative

It takes intelligence, dedication, a special understanding of people and sound knowledge of financial products and services to be a First Investors Financial Services Representative.

First Investors' representatives receive comprehensive training concerning our financial products and services in our sales offices based upon a program developed by our national training facility, known as the University of First Investors (UFI). Our representatives also receive ongoing advanced training to ensure that representatives are up-to-date on the latest techniques, as well as on securities industry rules and regulations.

We have a lot of confidence in your First Investors representative. Together, you'll make a great team, dedicated to achieving your financial goals.

Your First Investors Representative’s Methodology

At First Investors, we understand that each client’s financial needs and goals are unique. That’s why your representative takes a personalized approach toward investing. Here are the steps that your representative will follow to help you prepare for your financial future.

Review Your Financial Needs
The first step in creating your portfolio is to assess your complete financial picture. Understanding your current assets, liabilities, income, investments and life insurance needs will help your representative make appropriate recommendations, consistent with your financial needs and goals.
Identify Your Long-Term Goals
Your representative will help you identify your long-term financial goals, such as funding a child’s education, purchasing a home or preparing for a comfortable retirement. Then your representative can provide a realistic estimate of how much money will be needed to achieve your goals.
Gauge Your Risk Tolerance
Each individual has a unique comfort level for the risks inherent in investing. Some investors accept risks with ease, others with caution. In order to recommend suitable investments, your representative will need to learn about your personal tolerance for risk.
Evaluate Appropriate Investments and Life Insurance Products
Your representative will help you select investments and insurance products that are appropriate for you, based upon your investment objectives, risk tolerance and financial situation.
Present Personalized Recommendations2
Based on the information gathered concerning your current financial situation, future goals, risk tolerance and time horizon, your representative will develop personalized financial recommendations. You’ll want to review the recommendations and discuss any concerns that you may have. Once you have selected appropriate investment and life insurance products, your representative will help you implement your choices.
Recommend an Asset Allocation Strategy for You
Asset allocation—spreading your investments across stocks, bonds and cash equivalents—is an important component to investing. Based on your goals, time horizon and risk tolerance, your First Investors representative will suggest ways to allocate your assets.
Help You Focus on Your Long-Term Goals
"Do it yourself" investors often lose track of the importance of long-term thinking. They frequently buy at the high points and sell at the lows. This hurts their long-term performance. Your representative will help you develop the discipline to avoid acting on short-term events or market conditions.
Provide Ongoing Support
As your financial needs and objectives change over time, your First Investors can meet with you periodically to review your situation and fine-tune your financial portfolio.

1 Qualification for the First Investors Chairman's Council, Chairman's Circle and other recognition programs and honorary titles (such as President, Vice President, etc) are determined by First Investors' internal points system, which is based on sales of investment and/or insurance products.

2 First Investors offers brokerage services. It is not an investment adviser.

For more information about First Investors products, you may obtain a free prospectus by contacting your financial services representative, writing to the address below, calling (800) 423-4026 or visiting our website at www.firstinvestors.com. You should consider the investment objectives, risks, charges and expenses carefully before investing. The prospectus contains this and other information, and should be read carefully before you invest or send money. An investment in one of these products is not a bank deposit and is not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency.