First Heartland Consultants, Inc.

First Heartland Consultants provides advisory services to a broad client mix that includes individual investors (both non‑HNW and high‑net‑worth clients), employer‑sponsored retirement plan participants, charitable organizations, and corporate entities. The firm offers financial planning and consulting, model‑based management for self‑directed 401(k) accounts through The Pacific Financial Group (TPFG), non‑wrap and wrap asset management, and third‑party asset management (TAMP) solutions.

Advice is delivered through a network of independent investment adviser representatives (IARs) who serve as the primary client contact, gather client information, and recommend or implement strategies consistent with client objectives; non‑wrap accounts may be managed on a discretionary basis while SDBA and planning services are typically non‑discretionary. IARs use a mix of cyclical, fundamental and technical analysis and may implement recommendations through affiliated or unaffiliated broker‑dealers, custodians, or insurance channels when licensed.

Distinctive aspects disclosed in the brochure include the firm’s common ownership with an affiliated broker‑dealer and affiliated insurance businesses, its formal role as liaison to third‑party model managers (TPFG) using single‑ticker, fund‑of‑fund model portfolios for plan participants, and a range of referral and transition‑assistance arrangements for IARs (including forgivable loans and other incentives) that the firm identifies as potential conflicts and addresses in policy. The brochure also discloses a prior SEC enforcement matter and resulting remedial actions, which the firm notes in describing its compliance and disclosure practices.