Financial Coaching Services

 Our goal is to empower you to make informed financial choices through education and then match you with the right financial solutions – term life insurance, investments, auto & home insurance, and more – that can help you achieve your financial goals. 

 Primerica's people-first philosophy and our commitment to doing what's right for our clients is evident in the millions of families who trust Primerica for their family's financial needs. 

 To help families better understand their personal finances, I offer the Financial Needs Analysis (FNA). The FNA gives a detailed overview of your current financial situation and suggests a personalized strategy for your financial security. The FNA is complimentary, confidential and customized for every family that I serve. 

Term life insurance is the easiest to understand. Basically, the policy you purchase provides coverage for a specific period of time, or "term" of years. If the insured person dies within the "term" of the policy and the policy is still in force (active), then the death benefit is paid out to the beneficiary.

This type of insurance typically allows clients to initially purchase more insurance coverage for less money (premium) than other kinds of life insurance. Primerica's "Buy Term and Invest the Difference" philosophy encourages clients to take this "difference" in premium and invest it for the future. Want more information? - Click Here

If someone depends on you or your income, YOU NEED LIFE INSURANCE.

I only recommend TERM insurance. It's best to get a term life insurance policy that's worth 10 to 12 times your annual income. For stay-at-home parents, I recommend a policy valued between $250,000 - $400,000.

Whole life insurance is what most insurance companies will try to sell you. It's expensive, and it's one of the WORST financial products out there. The only people who think you need whole life insurance are the whole life insurance agents who want to make commission off of you for your WHOLE life. I only recommend TERM life insurance. Why? — You get the same amount of coverage for about 5% of the price of whole life insurance. A term life insurance policy lasts for a set number of years (a term); I recommend getting a term of 15 or 20 years. During that time, you'll pay a VERY low rate each month for the coverage amount you need. 

During that 15 to 20 year term, if you're following my 7 Baby Steps plan, 3 things will happen:

1. Your kids will grow up and move out on their own.
2. You will pay off all debt, even your mortgage (remember, I recommend no more than a 15-year mortgage)
3. You will consistently save and invest at least 15% of your income each month.

So, picture this: You're 15 to 20 years older than you are right now... you've got no more teenagers to feed, no debts to pay, and there are hundreds of thousands (probably millions) of dollars in your retirement investments. You're SET! If you passed away with no life insurance, your family would be fine financially. You will have left a legacy that reminds them you cared for them deeply, and you wanted to make sure they'd be okay. A huge reason you'd be able to do that is because you weren't giving hundreds of dollars away each month to a greedy whole life insurance company.

If you already have whole life insurance, but you're thinking of switching to term, DO NOT cancel it UNTIL you've got your new term policy in place! I don't want you to go without any coverage during that in-between time.

  If you’re like most people, you carry some kind of debt balance from month to month – credit cards, a mortgage, student loan, auto loan, etc. At Primerica, we understand how overwhelming debt can feel sometimes, but with the right game plan in place, and a little discipline, we can show you how you CAN pay it down. Before we get into the “how,” it’s important to understand what kind of debt you’re dealing with. 

 The Primerica Legal Protection Program (PLPP) can help to protect you against potentially devastating legal problems. PLPP empowers you in the knowledge that a qualified Provider Law Firm is in your corner. 

Identity theft has been one of the top consumer complaints filed with the FTC for more than 17 years. Victims are spending an exorbitant amount of time and money dealing with it. The criminals are getting smarter. And they're not going away.

IDTheftDefense, offered by Pre-Paid Legal Services, Inc. d/b/a LegalShield, understands all the potential threats, how to protect against them, and how to restore any damage done.

IDTheftDefense helps protect your identity in three ways:

• Monitoring your personal information and financial accounts
• Providing counseling and emergency assistance, if needed
• Restoring your identity should an identity theft event occur

Primerica has been helping Main Street families invest for the future since 1977. While many financial professional aren't interested in working with the middle class,* Primerica is committed to helping Main Street families save and invest for their short-term and long-term goals.

*Money.USNews.com, "How to Find A Financial Advisor if You're Not Rich," October 9, 2018

 Are you overwhelmed by your healthcare options or just not  sure that you have the coverage that’s right for you? Primerica has partnered with e-TeleQuote to help make the  process of selecting a Medicare plan easier.  

I will personally get on the call with you and help you get started with a Vivint Rep. If you choose to call yourself, please give them my solution number (4125y) to get the best offer.

 Vivint Smart Home Offers:

• Vivint remote mobile access
• Get video push notification
• Smart home automation
• 1080p HD video quality
• 24/7 continuous video recording

Indoor Camera Features
ONE-TOUCH CALLOUT
Your family can contact you instantly with the push of a button.
VIVINT PLAYBACK™
Lets you save 30 days of continuous indoor camera footage. (*Requires purchase of a Vivint Smart Drive.)
HD + WIDE ANGLE
Wide-angle lens plus HD resolution to catch all the action.
TWO-WAY TALK
See and speak with family at home while you’re on the go.
INFRARED NIGHT VISION
See what's happening in your home, any time, day or night.

Outdoor Camera Features
ADVANCE DETECTION
Only receive notifications and recordings when a camera detects people
TRUE NIGHT VISION
Infrared LED night vision for 24/7 protection and security.
LURKER DETECTION
Help prevent break-ins by automatically warning lurkers they've been spotted.
HD + WIDE ANGLE
Wide-angle lens plus HD resolution to catch all the action.
VIVINT SMART HOME APP
Monitor your home's exterior and view camera footage remotely.

 Smart Home Protection - Check it out

Vivint Home Security - Commercial Click Here