August 20, 2007

'It's about changing lives'

Curtis Graff and Primerica can provide a number of financial services

By Kristen Miller
Staff Writer

When Curtis Graff was injured during a traffic stop and could no longer be a police officer, he didn’t know what he was going to do.

“I had wanted to be a cop since I was 5 years old. I had absolutely no idea what I was going to do,” Graff said.

Then, while on a plane to Hawaii, he met the wife of an individual who would change his life by introducing a new career opportunity.

Soon, Graff went to meet Greg Fitzpatrick, one of the original founders of Primerica Financial Services, in Fort Lauderdale, Fla.

“We met as complete strangers,” Graff said.

Fitzpatrick helped Graff establish his own business through Primerica, which is located in the old Charger Travel building along Highway 12 in Dassel.

“It’s been the most incredible thing I’ve done in my life,” Graff said.

Before moving to Dassel in 2003, Graff and his family lived in Lake City, where he worked for the Wabasha Sheriff’s Department.

After his wife, Paula, took a job in the west metro, a move was needed. So, they moved just north of Dassel, where he and his wife are raising their four children. Two of their children recently graduated from DC, Kirby and Andrew.

As a cop, Graff enjoyed helping people, but it was frustrating since a lot of it was only for a short time – helping people with their finances though, meant changing lives forever, he said.

He can teach people how to reduce their expenses and get out of debt, as well as protecting one’s assets.

Primerica is a Citi Company and is one of the industry’s largest financial service marketing organizations in North America, serving more that six million clients in the US, Canada, Puerto Rico, Spain, and the UK.

Some of the services offered are term life insurance, debt consolidation loans, mutual fund investments, variable annuities, long-term care insurance, prepaid legal services, and home mortgage loans.

At the first consultation, Graff will ask participants to raise their left hand to show how much money comes into the household, and then the right to show how much money goes out. If the right is higher, Graff will discuss options available to turn that around, he said.

It starts with education, he said.

Many people don’t know the impact of credit cards, and that paying only the minimum payment could mean taking decades to pay off the balance.

Graff gathers information about a person’s financial lifestyle, and determines what products and services are available to lower expenses and make more money.

This may start with a financial plan through a financial needs analysis, which is free of charge. The analysis can be done online at www.primericafna.com.

Graff’s main purpose through Primerica is to help someone get out of debt and stay out.

“It doesn’t happen overnight. You don’t acquire debt overnight and it doesn’t go away overnight,” Graff said.

“But we give the opportunity and a plan to do that,” he said.

Primerica also helps reduce debt in three other areas which are, death, health, and legal, which can wipe a person out financially, according to Graff.

This can be done by reducing health insurance, for example. Primerica can help reduce car and home insurance, as well as working with other insurance companies to find the best rate.

Asset management is another focus for Primerica, which helps start saving for the future through mutual funds.

Graff isn’t looking to sell another product, it’s about educating people so they can learn to become financially independent.

“It’s about changing people’s lives,” Graff said.

For more information about Primerica, visit www.primerica.com, stop in or call Curtis Graff at (877) 600-0707.

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