by Rella Ingram

Created on: February 20, 2009

Are you afraid to go to friends or family for financial advice because they are as bad as or worse off than you? There is a solution. A company that offers help without a fee called Primerica Financial Services (PFS). This is a company that offers what is known as a Financial Needs Analysis or FNA.

PFS agents will meet with you either in your home, in the office, or in a public location whichever is best and most comfortable for the client. They compile your current financial information by having you answer a series of questions. Next, they gather documents such as mortgage documents, life insurance documents, investment documents, other loan documents, and credit card statements. This is so the agent can educate you on potential information in the documents that you may not be aware of.

Who really understands all of the ins and outs of mortgages, credit cards, debt consolidation loans, life insurance, or investments? With everything going on in the economy these days, wouldn't it be great to understand what it all means? Primerica gathers all of the information, studies it, and comes back, educating you on what you currently are involved in. Then, they give you the result of your Financial Needs Analysis. This will include showing you how to build a secure financial "house." They give you specific numbers on what it will take for you to get out of debt with what you are currently doing. Then, they give you the specific amount you need to save each month to reach your Financial Independence Number (FIN). This is the amount of money you would require to retire at the age you desire. Also, included in this FNA are a monthly budget, plan for cutting costs, and plan for creating emergency funds along with many other priceless bits of information.

Every appointment with a PFS agent is 100% free of charge to the client. They do get paid for their services by PFS. You can call them three times a day, every day, and there will never be a charge. If PFS products such as their loans, insurance, or mortgages will help the client, then the client has the option of using these services. There is never an obligation. For professional advice, PFS is a good place to start for financial advice. The company has been featured in several magazines such as Fortune 500, The Wall Street Journal, and Premier.

Never heard of PFS? Not many people have. They do not advertise as most other companies. Their only advertisement is by word of mouth. The founder, Art Williams, decided that it would make for a better company if their reputation stood on its real merits instead of what some advertising agency came up with as a gimmick to get attention.

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