| Advisor Profile |
 |
| Name: |
Michael Malleo, RFP |
| Phone Number: |
(201) 254-3765 |
| Website: |
Visit Website
|
|
|
 |
| Research This Advisor |
|
|
| Request More Information |
|
|
|
|
|
|
Business Description |
Primerica's mission is to help families become properly protected, debt-free, and financially independent.
Through our free Financial Needs Analysis (FNA) we offer clients low-cost Term Life insurance, Long-Term Care insurance, First Mortgage Debt Consolidation Loans, and Investments such as Managed Mutual Funds, IRAs, Variable Annuities, and Business Retirement Plans.
By appointment only. |
|
| |
|
|
General Information |
|
|
|
|
| Name of Broker/Dealer: |
PFS Investments, Inc.
|
|
| States Licensed in: |
NJ. NY, VA
|
|
| States Willing to do Business in: |
NJ
|
|
| Years of Experience in Financial Services: |
10
|
|
| Number of Years with Current Firm: |
10
|
|
| I work with the following types of clients: |
Individual Investors, Businesses
|
|
| |
|
|
|
Services |
| Investment Types: |
Mutual Funds, Insurance, Annuities
|
|
| |
|
Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
Registered Financial Planner
|
|
| Securities Licenses: |
Series 6, Series 63
|
|
| Insurance and Annuity Licenses: |
Variable Life, Long Term Care, Variable Annuity, Life, Health
|
|
| Non-Financial Organization Memberships: |
New Jersey Young Professionals (NJYP)
|
|
| |
|
Firm Information |
| Number of Advisors in Office: |
Up to 10 employees
|
|
| |
|
Compliance |
| Registered Representative: |
Yes
|
|
| Compliance Disclosures in Last 5 years: |
I have a clean record
|
|
| Criminal Disclosures in Last 5 years: |
I have a clean record
|
|
| |
|
Compensation & Fees |
| Minimum Portfolio Size for New Managed Accounts: |
$250,000
|
|
| Compensation Methods: |
Commissions
|
|
| |
|
| |
| |
| Prepared By: |
Michael Malleo, RFP |
Frequently Asked Questions |
 |
| Q. |
Do you have a customer satisfaction or refund policy? |
| |
There is no refund, because there is no fee. Our Financial Needs Analysis (FNA) is free. |
|
| Q. |
What are your qualifications? What is your education background? |
| |
I am a Registered Financial Planner (RFP). I am also completing courses to earn the Chartered Mutual Fund Counselor (CMFC) designation.
|
|
| Q. |
What is your approach to financial planning? |
| |
I prefer to take a stress-free educational approach.
|
|
| Q. |
What services do you offer? |
| |
I offer clients a customized, complimentary Financial Need Analysis (FNA). Through the FNA, I am able to offer clients Level Term life insurance, Long-Term Care insurance, personal budgets, debt elimination plans, mutual funds, IRAs, and variable annuities. |
|
| Q. |
Will you be the only person working with me? |
|
| Q. |
How are you compensated? How will I pay for your services? |
|
| Q. |
If you are going to manage my account, will you obtain my permission every time you buy or sell something? |
|
| Q. |
Do you offer any guaranteed results? |
|
| Q. |
How much risk should I be willing to take? |
| |
Depends on your time horizon, age, goals, and a variety of other factors. |
|
| Q. |
Have you ever been charged with any breaches? |
|
| Q. |
What carrier(s) do you represent? |
| |
Primerica Life Insurance Company |
|
| Q. |
How long does it take to complete the application and approval process? |
|
| Q. |
Is there a maximum age that you can insure? |
|
| Q. |
What services do you provide? What are your specialties? |
| |
I offer clients a customized, complimentary Financial Need Analysis (FNA). Through the FNA, I am able to offer clients Level Term life insurance, Long-Term Care insurance, personal budgets, debt elimination plans, mutual funds, IRAs, and variable annuities. |
|
| Q. |
What financial institution(s) do you represent? |
| |
Primerica Life Insurance Company and PFS Investments Inc. Fund familes that I offer are: Legg Mason ClearBridge, Pioneer, AIM, Van Kampen, American Funds, Franklin Templeton, Fidelity, MFS, Alliance Bernstein, Putnam. Annuity - MetLife |
|
| Q. |
How do you charge for your services? |
|
| Q. |
Do you provide a free initial consultation? |
|
| Q. |
How long does the process of setting up an Education Plan usually take? |
| |
30 minutes or so. Depends on how many questions you have. |
|
| Q. |
What financial institutions do you represent? |
| |
Fund companies for Coverdell Accounts - Legg Mason ClearBridge, Pioneer, AIM, Van Kampen, American Funds, Franklin Templeton, Fidelity, MFS, Alliance Bernstein, Putnam.
529 Plan companies - Legg Mason, Van Kampen. |
|
| Q. |
How many years of experience do you have? |
|
| Q. |
What are your fees for this service? |
|
| Q. |
Do you provide a free initial consultation? |
|
| Q. |
What financial institutions do you represent? |
| |
Legg Mason ClearBridge, Pioneer, AIM, Van Kampen, American Funds, Franklin Templeton, Fidelity, MFS, Alliance Bernstein, Putnam. |
|
| Q. |
How many years of experience do you have? |
|
| Q. |
What are your fees for this service? |
|
| Q. |
Do you provide a free initial consultation? |
|
|
|