August 1, 2025 • 12 mins
Money shouldn't be a mystery, yet too many families navigate financial waters without a compass Felipe Aranha, a financial advisor with Primerica, is changing that narrative one family at a time.
After an 18-year corporate career in supply chain management, Felipe made a dramatic pivot when Primerica found him. What sealed the deal? Their refreshing mission to help everyday Americans—not just the wealthy—achieve financial independence. "Primerica helps clients get out of debt," Felipe explains, contrasting this with most financial institutions that profit from keeping people indebted. This mission to serve "Main Street families" resonated deeply with his desire to make a meaningful impact.
Felipe specializes in working with married couples between 25-55 with children—families who are starting to feel the weight of retirement planning and financial security. His approach is refreshingly accessible: clients never pay directly for his services (he's compensated by financial companies when clients implement solutions), and investments start at just $50 monthly. The process begins with a Financial Needs Analysis where he collects information about your current situation and goals, then returns with customized recommendations spanning investments, insurance, debt reduction, and more.
What truly distinguishes Felipe is his "white glove" service philosophy. "I like to treat people the way I would like to be treated," he shares. This translates to thorough follow-up emails after every meeting, celebrations of financial milestones, and proactive communication when better opportunities arise. For clients intimidated by financial jargon, he translates complex options into "plain English," empowering informed decisions without requiring financial expertise.
Ready to transform your financial future with a guide who treats you like more than a number? Connect with Felipe on Instagram @Primerica_Felipe_A or call 803-795-2156 to schedule your complimentary consultation. Your future self will thank you for taking this first step toward financial confidence.
Primerica - Felipe Aranha
Instagram @PrimericaFelipeA
(803) 795-2156
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:02):
Hello everyone.
This is Regina and I am thepodcast host here in Charlotte,
North Carolina, and I'm superexcited today to chat with
Felipe Arana.
Good morning, Felipe, Morning,How's it going today.
Yeah, I've had so much fungetting to know you getting
(00:23):
ready for this podcast, and youare a financial advisor with
Primerica, so tell us a littlebit about yourself, your story
and how you got into thisindustry.
Speaker 2 (00:36):
Right, yeah, sure, so thanks for having me.
And my story in a nutshell, isbasically I was a corporate
worker for supply chainproduction planning for over 18
years and I just I was lookingfor something different, for a
different career and you know,primerica found me, so I just
(00:58):
did this 180 in my career andjust tried something new.
So that's, that's the story.
Speaker 1 (01:05):
Well, how fun for you to be found.
Normally it's the other wayaround.
Yeah, exactly, You're outhunting and pecking and going.
Oh my God, I'm sick of what Ido.
So what attracted you when theyreached out?
What made those bells go off inyour head?
Speaker 2 (01:21):
Yeah, so the way that Primerica helps clients is very
unique, because we do what wecall the full service, so we
help clients get out of debt,become financially dependent,
help them with investments, alot of things like that, and I
thought that was a really niceway of helping people because
it's very complete.
(01:42):
I don't know, for example, anycompany that helps people get
out of debt.
On the contrary, they wantpeople to get more debt, more
credit cards, more you know, andPrimerica helps you get out of
debt.
So I thought that was awesome.
You know, I like helping peopleand I saw a powerful tool to
help impact families, so I thinkthat's an awesome mission.
Speaker 1 (02:04):
Absolutely so.
Tell us about your services andwhat you do for Prime America.
Speaker 2 (02:11):
Yeah, so, as I was saying, prime America has a big
portfolio of services.
We like to say that PrimeAmerica wants to be the Amazon
of financial services, meaningyou know, if you want to invest,
uh, playing for retirement, uh,we got you covered.
Uh invest, you know, for buyinga house or for you know
something else, we got youcovered.
(02:33):
And uh, we also do lifeinsurance.
We help with mortgages, uh,auto, home and auto insurance.
So it's it's very wide, uh,what we can do in Primerica.
Speaker 1 (02:45):
And where do you, do you get to work anywhere?
Tell us what you're, whatyou're doing.
Speaker 2 (02:51):
The work itself is remote and we help people over
Zoom.
That's also nice because youknow I have some friends, for
example, like in Texas or inFlorida, and I can still help
them out, so that's great.
And we do have a local part ofthe job that is going to
training in person.
You know my team thinks it'svery important to be there in
(03:12):
person and I agree with that.
You know the training, thelearning is good to have in
person.
Speaker 1 (03:18):
So who are you looking for?
Who is your ideal client?
Speaker 2 (03:22):
Yeah, so my ideal client is married couples
between 25 and 55 years of agewith kids, that own or may not
own a home and that are employed.
Because, you see, this is partof the story with me.
I'm 38 now, so, as I wasreaching like 33, 35 or so, I
(03:48):
start looking at my finances.
And, you know, everyone wantsto retire, right.
But I was looking and I waslike, hey, if I want to retire
at I don't know 65 or something,what is my plan?
I mean, how can I get there?
You know, and this kind ofbuilds on you, and so, you know,
people start looking around andthey start investing and that's
(04:08):
, that's awesome, that's great,you know.
But the difference with proamerica is that you have someone
that helps you, that they arelooking out for you.
You know, they are studying uh,researching and looking for the
best uh options.
So this is especially after youhave kids.
This, you know, concern is likeway bigger, is way up here.
You're like, hey, now I haveother people to take care of, so
(04:32):
I need to really get my ducksin a row, so to speak.
Speaker 1 (04:36):
I love that.
So when someone's listening tothis and they go, hmm, what does
this involve?
Talk about your process?
They call you, they reach out.
Then what happens?
Speaker 2 (04:48):
Yeah, so just before that, one very important thing
is that Primerica's mission isto help who we call Main Street
families.
Is the average American thatyou know don't have $100,000,
$500,000 to invest, becausethose people they have no issues
getting an advisor right, butPrimerica wants to help everyone
(05:10):
else.
So, on that sense, any servicesfrom Primerica agent or
Primerica advisor for the clientis free of charge for them.
Like if I'm your analyst, I'mnever charging you, never seeing
an invoice from me.
But we don't work for free, ofcourse.
So the companies that we helpyou set up the services with
they pay us.
(05:31):
So that's also really nice, butyeah, so going down to the
actual how it works kind of deal, right, so say, you want to be
my client and what we do is weset up a meeting where at first,
I will show you all the thingsthat Primerica does, as I kind
of mentioned, the differentservices and all that and then
second step is we set up ameeting that we call the
(05:53):
Financial Needs Analysis FNA forshort and that's basically a
data collection meeting whereyou're going to tell me what you
have.
You know like, hey, I work this,I have this house, I want to
retire at 72.
I have a couple of kids, I wantto buy a car, or, you know, I
want to buy a boat, whateverthat might be.
And then, you know, I collectyour data, I go back to my team,
(06:15):
we have specialists in thedifferent areas, and then I come
back to you with suggestions,you know.
And again, you don't pay forthe meeting, for the assessment,
and you don't pay for therecommendations and you won't
implement what makes sense toyou.
You know.
So if or when you do go throughwith it, then I get paid.
So that's basically how itworks.
Speaker 1 (06:36):
And the customer is paying you.
Is it a flat fee or how doesthat work?
Speaker 2 (06:42):
No, no, no, the client is paying the company and
you know that depends on whatwe're talking about, but it
really depends.
You know, if it's like aninvestment, there will be
probably some amount per monththat you're putting out, you
know, so I would get a littlebit you know, residual income
(07:03):
from that and that's basicallyhow it works.
But yeah, they pay the company,the company pays us.
Speaker 1 (07:08):
But they just work with you.
Is that correct?
Yeah, regarding how manyservices and options?
Speaker 2 (07:13):
yes, yes, and also I think that's an awesome thing
with pro america because, uh,after the fna, there's a that I
was explaining.
I will know what your goals are, what your uh uh ideas are, you
know what you to do and thishelps me understand and keep you
in mind.
You know, because if I seesomething that is better for you
(07:34):
, a better option, I'll call you.
Hey, regina, I have a bettermutual fund to invest.
You know, and if you are aclient of, say, fidelity or big
brand name companies, they arenot calling you.
You know, because you're justone number, you're just one
person.
They, they have thousands ofclients and in Primerica, even
though I will help you be aclient of Fidelity through me,
(07:56):
but you're talking to me.
So you know, if I see somethingthat is your, in your best
interest, I'll give you a call.
Hey, what you think about this,what you think about that.
And that's the like, therelationship of it, the
relationship side of it, I thinkis very good.
Speaker 1 (08:13):
You know, I guess a lot of people don't even know
this kind of thing exists,especially young.
You know you're busy andraising family and you know just
working.
What are some of the biggestmisconceptions you find when you
meet with people?
Speaker 2 (08:24):
Yeah.
So one big one is that you knowyou need a lot of money to
start investing and you knowthat might be the case depending
on the company that helps you,depending on some advisors who
just charge you per transactionor a flat fee or something, and
you know, as I was saying, thebest interest of Main Street
families.
Primerica took that out, soit's free of charge.
(08:46):
So there's no, you know, uh, acost to just be there.
The minimum amount to invest inprimary is fifty dollars a
month.
So that's something, yeah,that's something you can, you
can set aside Right, especiallyif you're thinking about the
future, thinking about kids andall that.
So fifty dollars is feasible,you know.
Speaker 1 (09:07):
Well, I think taking baby steps, because I think it
is intimidating for a lot of usthat go oh, I should have done
this, but I guess it's never toolate after talking.
But I love the idea of babysteps and there's a lot of
coaching.
I'm sure that has to go on withthis, correct?
Speaker 2 (09:26):
Yeah, correct.
So also, a big part of ourmission is to be the middle
point.
You know between, like, whatyou need and where you are.
So my job is to make it inplain English to you what is it
that you need, or what is it thebest interest, the best option,
or give you options so that youcan pick.
So a big part of the thing theservice is that you don't need
(09:49):
to know.
I mean, that's what I'm herefor.
I'll study, I'll know and thenI'll come back to you with
digestible information that youcan use.
Speaker 1 (09:59):
I love that digestible that would can use.
I love that digestible.
That would be so true.
So what sets you apart If youlook at your co-workers in
Primerica?
Tell us about you, and whatdoes someone get when they work
with you?
Speaker 2 (10:14):
Yeah, yeah.
So I like to treat people theway that I would like to be
treated right.
So my team, basically my idea,my goal, is to have what we call
a white glove service, meaningyou know, exceptional customer
care.
You know, for example, like ifI do a meeting with you, after
(10:34):
the meeting I always send you anemail with what we talked about
.
You know the options that wediscussed any files we went over
, because you know I optionsthat we discussed any files we
went over, because you know Iwould like that myself.
If I talk to someone, I wouldlike to have like a summary what
did we talk about?
You know, or I started theinvestment today.
So then I'll send you hey, youstarted the investment today,
congratulations, and that's whatwe're doing, and this is your
(10:55):
risk profile and all thatbecause you know I'm a person
like like that.
So I think that's helpful tohave you know like an email.
That's a good starting pointand that you can see what you
have.
And you know I'm always a phonecall away either way, so I'm
also available to any questions,any doubts or any anything that
you need well, I find you very,very hands-on, and so I can
(11:19):
imagine you take great care, sotell our listeners how to find
you.
Right, yeah, so you can find meat Instagram.
My handle is Primerica Felipe Aand I can spell all that, and I
also have a Facebook account,but it's just.
My name is Felipe Arana, but Ithink Instagram is the best way,
(11:41):
but people can also call me at803-795-2156.
And then we can set up thefirst meeting and go from there.
Speaker 1 (11:51):
And let's go ahead and spell your last name.
Speaker 2 (11:54):
Yes, so my last name is Arana A-R-A-N-H-A.
Speaker 1 (12:00):
Excellent, Felipe.
It's such a pleasure and I knowwe're going to be speaking
again, but thank you so much andit was great getting to know
more about what you do.
Speaker 2 (12:09):
All right, thanks, regina.
Have a good day.
Hello everyone.
This is Regina and I am thepodcast host here in Charlotte,
North Carolina, and I'm superexcited today to chat with
Felipe Arana.
Good morning, Felipe, Morning,How's it going today.
Yeah, I've had so much fungetting to know you getting
(00:23):
ready for this podcast, and youare a financial advisor with
Primerica, so tell us a littlebit about yourself, your story
and how you got into thisindustry.
Speaker 2 (00:36):
Right, yeah, sure, so thanks for having me.
And my story in a nutshell, isbasically I was a corporate
worker for supply chainproduction planning for over 18
years and I just I was lookingfor something different, for a
different career and you know,primerica found me, so I just
(00:58):
did this 180 in my career andjust tried something new.
So that's, that's the story.
Speaker 1 (01:05):
Well, how fun for you to be found.
Normally it's the other wayaround.
Yeah, exactly, You're outhunting and pecking and going.
Oh my God, I'm sick of what Ido.
So what attracted you when theyreached out?
What made those bells go off inyour head?
Speaker 2 (01:21):
Yeah, so the way that Primerica helps clients is very
unique, because we do what wecall the full service, so we
help clients get out of debt,become financially dependent,
help them with investments, alot of things like that, and I
thought that was a really niceway of helping people because
it's very complete.
(01:42):
I don't know, for example, anycompany that helps people get
out of debt.
On the contrary, they wantpeople to get more debt, more
credit cards, more you know, andPrimerica helps you get out of
debt.
So I thought that was awesome.
You know, I like helping peopleand I saw a powerful tool to
help impact families, so I thinkthat's an awesome mission.
Speaker 1 (02:04):
Absolutely so.
Tell us about your services andwhat you do for Prime America.
Speaker 2 (02:11):
Yeah, so, as I was saying, prime America has a big
portfolio of services.
We like to say that PrimeAmerica wants to be the Amazon
of financial services, meaningyou know, if you want to invest,
uh, playing for retirement, uh,we got you covered.
Uh invest, you know, for buyinga house or for you know
something else, we got youcovered.
(02:33):
And uh, we also do lifeinsurance.
We help with mortgages, uh,auto, home and auto insurance.
So it's it's very wide, uh,what we can do in Primerica.
Speaker 1 (02:45):
And where do you, do you get to work anywhere?
Tell us what you're, whatyou're doing.
Speaker 2 (02:51):
The work itself is remote and we help people over
Zoom.
That's also nice because youknow I have some friends, for
example, like in Texas or inFlorida, and I can still help
them out, so that's great.
And we do have a local part ofthe job that is going to
training in person.
You know my team thinks it'svery important to be there in
(03:12):
person and I agree with that.
You know the training, thelearning is good to have in
person.
Speaker 1 (03:18):
So who are you looking for?
Who is your ideal client?
Speaker 2 (03:22):
Yeah, so my ideal client is married couples
between 25 and 55 years of agewith kids, that own or may not
own a home and that are employed.
Because, you see, this is partof the story with me.
I'm 38 now, so, as I wasreaching like 33, 35 or so, I
(03:48):
start looking at my finances.
And, you know, everyone wantsto retire, right.
But I was looking and I waslike, hey, if I want to retire
at I don't know 65 or something,what is my plan?
I mean, how can I get there?
You know, and this kind ofbuilds on you, and so, you know,
people start looking around andthey start investing and that's
(04:08):
, that's awesome, that's great,you know.
But the difference with proamerica is that you have someone
that helps you, that they arelooking out for you.
You know, they are studying uh,researching and looking for the
best uh options.
So this is especially after youhave kids.
This, you know, concern is likeway bigger, is way up here.
You're like, hey, now I haveother people to take care of, so
(04:32):
I need to really get my ducksin a row, so to speak.
Speaker 1 (04:36):
I love that.
So when someone's listening tothis and they go, hmm, what does
this involve?
Talk about your process?
They call you, they reach out.
Then what happens?
Speaker 2 (04:48):
Yeah, so just before that, one very important thing
is that Primerica's mission isto help who we call Main Street
families.
Is the average American thatyou know don't have $100,000,
$500,000 to invest, becausethose people they have no issues
getting an advisor right, butPrimerica wants to help everyone
(05:10):
else.
So, on that sense, any servicesfrom Primerica agent or
Primerica advisor for the clientis free of charge for them.
Like if I'm your analyst, I'mnever charging you, never seeing
an invoice from me.
But we don't work for free, ofcourse.
So the companies that we helpyou set up the services with
they pay us.
(05:31):
So that's also really nice, butyeah, so going down to the
actual how it works kind of deal, right, so say, you want to be
my client and what we do is weset up a meeting where at first,
I will show you all the thingsthat Primerica does, as I kind
of mentioned, the differentservices and all that and then
second step is we set up ameeting that we call the
(05:53):
Financial Needs Analysis FNA forshort and that's basically a
data collection meeting whereyou're going to tell me what you
have.
You know like, hey, I work this,I have this house, I want to
retire at 72.
I have a couple of kids, I wantto buy a car, or, you know, I
want to buy a boat, whateverthat might be.
And then, you know, I collectyour data, I go back to my team,
(06:15):
we have specialists in thedifferent areas, and then I come
back to you with suggestions,you know.
And again, you don't pay forthe meeting, for the assessment,
and you don't pay for therecommendations and you won't
implement what makes sense toyou.
You know.
So if or when you do go throughwith it, then I get paid.
So that's basically how itworks.
Speaker 1 (06:36):
And the customer is paying you.
Is it a flat fee or how doesthat work?
Speaker 2 (06:42):
No, no, no, the client is paying the company and
you know that depends on whatwe're talking about, but it
really depends.
You know, if it's like aninvestment, there will be
probably some amount per monththat you're putting out, you
know, so I would get a littlebit you know, residual income
(07:03):
from that and that's basicallyhow it works.
But yeah, they pay the company,the company pays us.
Speaker 1 (07:08):
But they just work with you.
Is that correct?
Yeah, regarding how manyservices and options?
Speaker 2 (07:13):
yes, yes, and also I think that's an awesome thing
with pro america because, uh,after the fna, there's a that I
was explaining.
I will know what your goals are, what your uh uh ideas are, you
know what you to do and thishelps me understand and keep you
in mind.
You know, because if I seesomething that is better for you
(07:34):
, a better option, I'll call you.
Hey, regina, I have a bettermutual fund to invest.
You know, and if you are aclient of, say, fidelity or big
brand name companies, they arenot calling you.
You know, because you're justone number, you're just one
person.
They, they have thousands ofclients and in Primerica, even
though I will help you be aclient of Fidelity through me,
(07:56):
but you're talking to me.
So you know, if I see somethingthat is your, in your best
interest, I'll give you a call.
Hey, what you think about this,what you think about that.
And that's the like, therelationship of it, the
relationship side of it, I thinkis very good.
Speaker 1 (08:13):
You know, I guess a lot of people don't even know
this kind of thing exists,especially young.
You know you're busy andraising family and you know just
working.
What are some of the biggestmisconceptions you find when you
meet with people?
Speaker 2 (08:24):
Yeah.
So one big one is that you knowyou need a lot of money to
start investing and you knowthat might be the case depending
on the company that helps you,depending on some advisors who
just charge you per transactionor a flat fee or something, and
you know, as I was saying, thebest interest of Main Street
families.
Primerica took that out, soit's free of charge.
(08:46):
So there's no, you know, uh, acost to just be there.
The minimum amount to invest inprimary is fifty dollars a
month.
So that's something, yeah,that's something you can, you
can set aside Right, especiallyif you're thinking about the
future, thinking about kids andall that.
So fifty dollars is feasible,you know.
Speaker 1 (09:07):
Well, I think taking baby steps, because I think it
is intimidating for a lot of usthat go oh, I should have done
this, but I guess it's never toolate after talking.
But I love the idea of babysteps and there's a lot of
coaching.
I'm sure that has to go on withthis, correct?
Speaker 2 (09:26):
Yeah, correct.
So also, a big part of ourmission is to be the middle
point.
You know between, like, whatyou need and where you are.
So my job is to make it inplain English to you what is it
that you need, or what is it thebest interest, the best option,
or give you options so that youcan pick.
So a big part of the thing theservice is that you don't need
(09:49):
to know.
I mean, that's what I'm herefor.
I'll study, I'll know and thenI'll come back to you with
digestible information that youcan use.
Speaker 1 (09:59):
I love that digestible that would can use.
I love that digestible.
That would be so true.
So what sets you apart If youlook at your co-workers in
Primerica?
Tell us about you, and whatdoes someone get when they work
with you?
Speaker 2 (10:14):
Yeah, yeah.
So I like to treat people theway that I would like to be
treated right.
So my team, basically my idea,my goal, is to have what we call
a white glove service, meaningyou know, exceptional customer
care.
You know, for example, like ifI do a meeting with you, after
(10:34):
the meeting I always send you anemail with what we talked about
.
You know the options that wediscussed any files we went over
, because you know I optionsthat we discussed any files we
went over, because you know Iwould like that myself.
If I talk to someone, I wouldlike to have like a summary what
did we talk about?
You know, or I started theinvestment today.
So then I'll send you hey, youstarted the investment today,
congratulations, and that's whatwe're doing, and this is your
(10:55):
risk profile and all thatbecause you know I'm a person
like like that.
So I think that's helpful tohave you know like an email.
That's a good starting pointand that you can see what you
have.
And you know I'm always a phonecall away either way, so I'm
also available to any questions,any doubts or any anything that
you need well, I find you very,very hands-on, and so I can
(11:19):
imagine you take great care, sotell our listeners how to find
you.
Right, yeah, so you can find meat Instagram.
My handle is Primerica Felipe Aand I can spell all that, and I
also have a Facebook account,but it's just.
My name is Felipe Arana, but Ithink Instagram is the best way,
(11:41):
but people can also call me at803-795-2156.
And then we can set up thefirst meeting and go from there.
Speaker 1 (11:51):
And let's go ahead and spell your last name.
Speaker 2 (11:54):
Yes, so my last name is Arana A-R-A-N-H-A.
Speaker 1 (12:00):
Excellent, Felipe.
It's such a pleasure and I knowwe're going to be speaking
again, but thank you so much andit was great getting to know
more about what you do.
Speaker 2 (12:09):
All right, thanks, regina.
Have a good day.
Popular Podcasts
Stuff You Should Know
If you've ever wanted to know about champagne, satanism, the Stonewall Uprising, chaos theory, LSD, El Nino, true crime and Rosa Parks, then look no further. Josh and Chuck have you covered.
Dateline NBC
Current and classic episodes, featuring compelling true-crime mysteries, powerful documentaries and in-depth investigations. Follow now to get the latest episodes of Dateline NBC completely free, or subscribe to Dateline Premium for ad-free listening and exclusive bonus content: DatelinePremium.com
The Breakfast Club
The World's Most Dangerous Morning Show, The Breakfast Club, With DJ Envy, Jess Hilarious, And Charlamagne Tha God!