About Our Firm

Lloyd is the CEO of First Financial Group (FFG), one of the largest independently owned financial services firms in the Mid-Atlantic. With the simple philosophy of helping people live better lives, First Financial Group has been protecting and building the wealth of Washingtonians for over 30 years.

As a business owner, Lloyd lives with and truly understands the unique set of challenges and opportunities of local entrepreneurs and business owners. Our Business Strategies Group and First Financial Group Benefits are focused on helping small to mid-sized businesses meet those challenges and leverage those opportunities.

Lloyd cares deeply about helping people find financial independence and live better lives. If this resonates with you, please reach out to Lloyd -- he is always looking for like-minded individuals to join our firm.

Sean joined First Financial Group (FFG) in 2008 as a Financial Representative. He developed a strong practice, earning back-to-back firm sales awards; however, given his entrepreneurial background, Sean turned his attention to leadership and the strategic growth of the firm. 

Entering the management track at FFG as a Sales Manager in 2010, Sean quickly discovered his innate ability to source and recruit individuals who would excel and go on to become the company’s top advisors. Taking on the responsibilities of Executive Vice President of FFG in 2015, he was a key contributor to the firm’s 300% growth in areas of productivity, revenue, and talent. Along with facilitating the rapid growth of the company, he aided in the expansion of First Financial Group’s footprint from two core offices into eight locations across the mid-Atlantic. Serving on FFG’s leadership team as President, he oversees multiple facets of the business, including talent acquisition, training and development, and finance 
 
He has spearheaded FFG’s community outreach program fostering a culture of giving throughout the company with matching funds and organized volunteer efforts for great organizations like Habitat for Humanity, DC Central Kitchen and Wreaths Across America. He is a member of NAIFA, GAMMA, AALU and was recently named one of NAIFA's 4 under 40, an honor given to the best and brightest in the industry. Sean has been featured in the NCAA’s “After the Game” web series highlighting excellence after college.

Chris Dyrhaug serves as Chief Strategy Officer at First Financial Group, where he leads the development of strategic initiatives that enhance organizational excellence, drive revenue growth, and foster cross-functional collaboration. With over 32 years of experience in financial services, Chris brings deep industry expertise and a client-centered approach, consistently focusing on innovation, technology integration, and improving the client experience through streamlined solutions.

Chris Foder serves as Chief Sales and Development Officer at First Financial Group, where he leads the development and execution of sales strategies aligned with the firm’s holistic philosophy. His team supports advisors at all levels by helping them master and leverage FFG and MassMutual practice management tools, while also providing strategic marketing support to grow and optimize their practices. Additionally, Chris oversees recruiting and onboarding efforts, ensuring a seamless experience for new advisors and continued growth for the organization.

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Cliff Kwartner was born in Brooklyn, New York and raised in Plainview on Long Island. He attended Towson University, where he began his career in financial services as a producer with National Life of Vermont. He built his business primarily through strategic relationships, laying the foundation for a referral-driven approach that still defines his work today.

Coming from a family-owned business background, Cliff developed a deep respect for entrepreneurs. Growing up, watching how hard his father worked with little time for anything else, taught Cliff how to effectively communicate with business owners. Be direct, be efficient, and build the relationship on trust.

Cliff later joined MassMutual to work with his mentor George Kinigopoulos, who told him, “You’re working in the minor leagues—it’s time to join the majors.” Within a few years, Cliff worked his way up to Brokerage Director, growing an important piece of the agency that had been previously overlooked. He worked with independent advisors, banks, CPA firms, and benefits companies to integrate MassMutual’s solutions on to their platforms. His passion to help businesses grow, and his motivation to identify and recruit successful advisors, have been the greatest drivers of his success.

Cliff has been married to his wife Sarah for 10 years. He’s a proud dad to two boys, Ben (8) and Ethan (5), a lifelong sports fan, golf enthusiast, and movie buff. Cliff believes if you’re not having fun doing what you do, you’re in the wrong business. As he steps into a larger leadership role, he’s tapping into his familiar “high energy”, to keep building and helping advisors, business owners, and families change their lives. Those are your Cliff Notes.

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