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