Experienced Financial Advisor / Investment Representative

Flexible, commission-based advisor opportunity with Reuel Field & Associates (affiliated with PFS Investments Inc.) in Union, NJ (hybrid). This independent-contractor role supports building a sustainable, client-focused financial services practice while offering professional growth opportunities and flexible scheduling. Compensation is $79,000.00 to $95,300.00 per year, with no guaranteed salary or guaranteed income.

What You’ll Do

• Develop and maintain relationships with investment clients
• Conduct financial needs assessments and client discovery meetings
• Identify suitable investment and retirement solutions aligned with client goals
• Assist clients with eligible retirement account transfers and rollovers
• Educate clients about investment products, including risks, costs, and strategies
• Perform periodic client reviews and ongoing follow-ups
• Support business development across individuals, families, and business owners
• Maintain required securities registrations and comply with applicable regulations
• Build a sustainable financial services practice centered on client needs

Licensing and Registration Requirements

Must have:

• FINRA Series 6
• FINRA Series 63
• Prior experience working with investment or financial services clients
• Eligibility for registration with PFS Investments Inc.
• Strong communication and relationship-building skills
• Commitment to ethical, client-focused financial service

Highly preferred:

• FINRA Series 65
• Existing experience with managed investment accounts
• Experience servicing retirement accounts and rollover clients
• Experience with mutual funds, annuities, or employer-sponsored retirement plans
• Established client relationship management skills
• Additional licensing or insurance credentials may be required for certain services

Compensation and Business Structure

This is an independent-contractor, commission-based business opportunity and not a traditional salaried W-2 position. Compensation may include eligible investment product commissions and, for appropriately authorized advisors, investment advisory compensation under applicable programs. No guaranteed salary or guaranteed income; actual compensation depends on individual production, licensing, product eligibility, and applicable compensation schedules. Flexible scheduling and professional growth opportunities are available subject to firm policies.

Pay: $79,000.00 - $95,300.00 per year

Managed Accounts and Investment Platforms (Program Availability)

Through Primerica Advisors' Lifetime Investment Program, appropriately registered advisors can help eligible clients access:

• Professionally managed investment portfolios
• Asset allocation and investment diversification strategies
• Portfolios utilizing mutual funds, stocks, bonds, and ETFs
• Investment strategies aligned with individual goals and risk tolerance
• Ongoing investment advisory relationships
• Retirement accumulation, preservation, and income distribution strategies
• Managed account advisory services require appropriate additional licensing, registration, and firm authorization

Retirement, Wealth Accumulation, and Product Offerings

• Investment and wealth accumulation: mutual funds from established investment management companies; Traditional and Roth IRAs; retirement account funding and eligible rollover services; long-term investment and asset accumulation strategies
• Retirement and employer-sponsored plans: Traditional and Roth IRAs; 401(k) plans; Individual / Solo 401(k) programs; 403(b) retirement programs; governmental and eligible 457(b) programs; SEP IRA and SIMPLE IRA solutions; small-business retirement plan solutions; retirement transition and distribution assistance
• Annuity solutions: variable annuities, registered index-linked annuities, fixed annuities, and fixed indexed annuities through affiliated entities (products are offered subject to applicable licensing, eligibility, and availability)
• College and education savings: 529 college savings plans; Coverdell Education Savings Accounts where available; education savings strategies; long-term college funding solutions

Additional Financial Services (Depending on Licensing and Jurisdiction)

Depending on licensing and jurisdiction, representatives may also help clients access:

• Term life insurance and family income protection
• Financial needs analysis and financial education
• Debt reduction strategies
• Mortgage-related solutions and referrals
• Auto and homeowners insurance referral services
• Identity theft protection
• Prepaid legal protection services

Work Location

Hybrid remote in Union, NJ 07083