Richard Doel has a tremendous sense of dedication and focus that stem from his genuine desire to help his clients. As a result, Richard's clients benefit from his drive, discipline and compassion as he helps them strive to reach their financial goals.

When Richard became a First Investors Financial Services Representative in 1992, he quickly won the respect of everyone at the Company. He had an attention to detail—developed during his 10 years of service in the U.S. Navy—that helped him learn quickly and enabled him to earn the Rookie of the Year award.

Since then, Richard has continued to improve his standing in the eyes of his peers. He earned the title of Vice President of the 2012 First Investors Chairman's Council, a highly coveted honor.² This marks the ninth time that Richard has qualified for this elite group. Richard has also been inducted into the Gold Level of the First Investors Chairman's Circle, a prestigious award that honors lifetime career achievement.

Richard continues to expand his knowledge and ability to serve his clients. In 2007, he completed the educational requirements of the Certified Financial Planner Board of Standards. Then in 2011, Richard earned the Chartered Financial Consultant (ChFC)^® designation from the American College.

Richard prides himself on giving his clients an honest assessment of how much work needs to be done to achieve their goals. He firmly believes that, "Keeping my clients focused on their long-term objectives is the most critical thing I do. I guide my clients around financial land mines. They know I won't let them down." It's no wonder that clients refer Richard to their friends and family 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 Recommendations³: 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 The Chartered Financial Consultant (ChFC) designation signifies that a person has satisfied the coursework and experience requirements established by the American College and agreed to keep this certification current through continuing education. Earning the ChFC designation gives a representative additional training that can help him make suitable recommendations to his clients. It does not authorize the person to act as an investment adviser.

² 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 based on sales of investment and/or insurance products.

³ 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.