Tony Accetta joined First Investors in 2006 after graduating from Siena College with a degree in Marketing Management. Although he has only been on the job for five years, Tony looks forward to many years of building relationships with clients of all different generations in the years ahead.

Tony loves his job, particularly the fact that, "I can change people's lives on a daily basis." To do this, he depends on his drive and determination to motivate him, saying, "The only one who can stop me is me."

According to Tony, communication is critical. It is, he says, the key to any successful business relationship, "The more we talk," he emphasizes, "the better the job I can do." Tony's determination has bought him much success at First Investors, making him one of the Company's top representatives. In 2011, Tony earned the title of Vice President of the First Investors Chairman's Council, an exclusive honor the Company awards annually¹.

As he works with clients, Tony encourages them to keep an open mind. Since one product doesn't fit all, he takes the time to develop creative solutions to "help his clients in ways they didn't think were possible." With this attitude, it's no wonder that Tony's clients refer him to their family and friends on a regular basis.

Our Long History of Excellence

First Investors has been serving the needs of clients since 1930. Through the Great Depression, World War II and numerous recessions, we have remained committed to our mission-helping individuals reach their financial goals. We offer a wide range of quality financial products and services, including mutual funds, annuities and life insurance.

Your First Investors Representative

It takes intelligence, dedication, a special understanding of people and sound knowledge of financial products and services to be a First Investors Financial Services Representative.

First Investors' representatives receive comprehensive training concerning our financial products and services in our sales offices based upon a program developed by our national training facility, known as the University of First Investors (UFI). Our representatives also receive ongoing advanced training to ensure that representatives are up-to-date on the latest techniques, as well as on securities industry rules and regulations.

We have a lot of confidence in your First Investors representative. Together, you'll make a great team, dedicated to achieving your financial goals.

Your First Investors Representative's Methodology

At First Investors, we understand that each client's financial needs and goals are unique. That's why your representative takes a personalized approach toward investing. Here are the steps that your representative will follow to help you prepare for your financial future.

Review Your Financial Needs

The first step in creating your portfolio is to assess your complete financial picture. Understanding your current assets, liabilities, income, investments and life insurance needs will help your representative make appropriate recommendations, consistent with your financial needs and goals.

Identify Your Long-Term Goals

Your representative will help you identify your long-term financial goals, such as funding a child's education, purchasing a home or preparing for a comfortable retirement. Then your representative can provide a realistic estimate of how much money will be needed to achieve your goals.

Gauge Your Risk Tolerance

Each individual has a unique comfort level for the risks inherent in investing. Some investors accept risks with ease, others with caution. In order to recommend suitable investments, your representative will need to learn about your personal tolerance for risk.

Evaluate Appropriate Investments and Life Insurance Products

Your representative will help you select investments and insurance products that are appropriate for you, based upon your investment objectives, risk tolerance and financial situation.

Present Personalized Recommendations²

Based on the information gathered concerning your current financial situation, future goals, risk tolerance and time horizon, your representative will develop personalized financial recommendations. You'll want to review the recommendations and discuss any concerns that you may have. Once you have selected appropriate investment and life insurance products, your representative will help you implement your choices.

Recommend an Asset Allocation Strategy for You

Asset allocation—spreading your investments across stocks, bonds and cash equivalents—is an important component to investing. Based on your goals, time horizon and risk tolerance, your First Investors representative will suggest ways to allocate your assets.

Help You Focus on Your Long-Term Goals

"Do it yourself" investors often lose track of the importance of long-term thinking. They frequently buy at the high points and sell at the lows. This hurts their long-term performance. Your representative will help you develop the discipline to avoid acting on short-term events or market conditions.

Provide Ongoing Support

As your financial needs and objectives change over time, your First Investors can meet with you periodically to review your situation and fine-tune your financial portfolio.

¹ Qualification for the First Investors Chairman's Council, Chairman's Circle and other recognition programs and honorary titles (such as President, Vice President, etc) are determined by First Investors' internal points system, which is based on sales of investment and/or insurance products.

² First Investors offers brokerage services. It is not an investment adviser.

For more information about First Investors products, you may obtain a free prospectus by contacting your financial services representative, writing to the address above, calling (800) 423-4026 or visiting our website at www.firstinvestors.com. You should consider the investment objectives, risks, charges and expenses carefully before investing. The prospectus contains this and other information, and should be read carefully before you invest or send money. An investment in one of these products is not a bank deposit and is not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency.