Olga Espíritu joined First Investors after graduating from the State University of New York at New Paltz with a degree in Finance. Since her graduation, she has rapidly established herself as one of First Investors' top representatives, earning Rookie and Sophomore of the Year honors in her first two full years in the business.

In 2010, Olga joined the First Investors Chairman's Council as a Vice President1. This year, she moved up, earning the title of Senior Vice President of the 2011 Chairman's Council. A spot in the Chairman's Council is the highest honor awarded annually at First Investors. Also in 2011, Olga was inducted into the Bronze Level of the First Investors Chairman's Circle for lifetime career achievement.

Olga says she chose to be a financial services representative for one simple reason: to make a positive difference in the lives of others. "One of my greatest driving forces," she says, "has been the desire to share the resources and information we have at First Investors with the people in my community." She has been very successful in that respect, helping many families invest for their children's education, protect their loved ones with life insurance and prepare for retirement.

Providing the highest level of personalized service to each person she meets with is critical to Olga. She says, "I think it's essential to take the time to really listen to what's important to my clients." Olga's dedication to her work has earned her the respect of her colleagues and the trust of her clients. It's no wonder they refer her to their friends and family time and time again.

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.