FES Review What is Financial Education Services or FES Financial Education Services (FES) is a hybrid marketing company offering basic financial products and services designed to help consumers restore and protect their financial future. These products are considered core financial products that most consumers are unfortunately lacking today. Financial Education Services also known as FES is headquarter in Farmington Hills, MI and has approximately 5000 agents worldwide. The majority of the services offered by FES are proprietary products developed by FES. There are as well some partnerships most notably, LifeLock the number 1 provider of identity theft protection. The founders of this company, Mike Toloff and Parimal Naik come from a very successful background relating to the financial services industry and over the last 10 plus years and have a great and steller track record. FES Products Today’s market place demands products that will not only help consumers reenter the market place but as well help to educate them on important factors related to financial literacy that were never taught during formal educational years. It is this combination of products, service and education that has helped FES to become a powerhouse in the market place today and what separates them from there competition. When you educate your customer base you have a potential for not only referral business but as well retention of existing clients. Financial Education Services products consist of Credit Restoration, Positive Credit Building, Pre-Paid MasterCard, Wills and Trusts and an all inclusive FES Protection Plan Membership that includes DebtZero (Debt Pay-off System) and a Financial Lockbox. FES Business Model The business model or distribution of these financial services is delivered through a network of independent distributors or what FES refers to as "Agents". Agents are compensated for the sale of these products and also have the ability to build teams of agents and receive overrides and bonuses based on their team production. The business model is a form of MLM or as more commonly referred to as Network Marketing. The unique thing about the FES model as that agent’s can opt to simply sell the products and not participate in the team building aspect of the business although to maximizes the compensation plan you will want to participate in both sales of products as well as team building. Is FES Right for You It is estimated that over 43 million Americans have less than a 599 credit score (D Credit Sub-Prime Credit), 90% of the population does not have a will and trust combination, the average consumer household debt is approximately $16,000 with no plan in place to pay it off and identity theft is the fastest growing crime in America. With that said it almost a certainty that everybody knows someone that can use the services that Financial Education Services provides. The most likely candidates for the FES opportunity are professionals in the financial services industry such as mortgage brokers and Real Estate professionals. There has also been a recent surge in interest from the insurance industry. This opportunity just like any other home based business is great for anybody looking to enter the network marketing industry. There are no license requirements for the agents since FES is licensed and bonded in all 50 states including Puerto Rico. The bottom line is if you’re the type of persons that needs the services offered by FES, willing to sharing products that can benefit others or enjoy working from home than the Financial Education Services business opportunity could be right for you. Deborah J. Taylor Sales Director, West Bloomfield Mi. (248-763-3414 or deborah.jtaylor@gmail.com) www.deborahtaylor.net