If you are BRAND NEW selling insurance and you have never sold a piece of business its a GREAT start up place being that they assign you a "trainer" for 90 days BUT, BIG BUT here and this is the reason why i gave it TWO starts which most people wont agree with me bug the reason why I gave it such a low rating its because of the following: 1. They will start you at a 70% commission level, but this is at 4.69% per annuity contract (street level is 100% of 7%). 2. Your "trainer" will take 50% (YES FIFTY) of your commission because he/she is training you (meaning that instead of doing 70% of 4.69% =0.0469 3.28%, now is 1.64%) who makes the difference all the people about you!! YES!! This is like a pyramid. So if we are doing $1,000 target premium a year, I did ALL the work and I will make $16.415, meanwhile my trainer, the AVP, RVP and MVP and the CEO.. who didn't do anything really, they will make $43.59 3. Did I mention the average premium is $1,200 a year and most people sell between 5-10 policies a month because it takes close to 3 months to issue and you dont get a salary?? Sadly yes, you read right. Average income here is $15,000-$25,000 a year for over 40 hours of work, it takes 3 calls (if you do remotely to close a deal) and a TON of paperwork and a LOT of research 4. The learning curve here is 6 months to a year. Be ready to NOT MAKE ANY MONEY for almost a year a be belittled for not working over 40 hours a week WITH NO INCOME. 5. Management SUCKS. I was told I can make over $100,000 in the first year. A TOTAL LIE!! I went to TX on my own dime THREE times and one time to Vegas, to learn the business and to see if I can make money RIGHT NOW.. after almost MINUS $15,000 in the hole.. i gave up. Decided to leave Appreciation Financial.. and what did I get?? (The best part here is.. drumroll pleaaaassseeee) 6. Threatening emails about how I cannot sell ANY POLICIES FOR THREE YEARS, with no company I have signed contracts under AP or its affiliates, surrender of pending commissions, refusal of giving me a release, and TOTAL gaslighting from MANAGEMENT. I guess when they stop making money on you.. you dont matter??!! Do yourself a FAVOR, STAY AWAY FROM THIS SCAM.. STAY AWAY!!! read more

I would avoid dealing with Pamela Marino at all costs. She was not at all transparent about what I was to be signing up for and did not tell me at all about how an annuity actually works. I trusted her because she and her colleague were at my school site signing people up, so I assumed there was nothing that could go wrong. I should have asked more questions, but I assumed Pamela had my best interests in mind and was not just looking for another person to earn commission off of. Not only that, she refused to put anything in email like I had requested multiple times and would not tell me my policy number. She still wouldn't even explain what she signed me up for (I thought it was a 403(b) but it wasn't). To top everything off, after requesting documentation multiple times indicating my cancellation and after asking what happened to the money I had put into this account, she blocked my telephone number and would not respond to emails. Teachers, please do not make the same mistake I did. Pamela is unprofessional and unfortunately cannot be trusted. read more

Allie Ramo she is financial retirement advisor, with lots of knowledge and compassion . who was assisting me for my retirement with patient , articulate , understanding and flexible with my schedule. Allie is amazing and I would recommend her as a professional advisor. read more

While working with bfrench@appreciationfinancial.com, he made the financial retirement journey a breeze. Not knowing how to navigate the many facets of retaining and or earning potentials nearing retirement, Brian F. gave me solid answers to my many questions. He was patient, articulate, understanding, and flexible with our scheduling appointment's. Our ongoing long term goals were completed in about one year. From organizing my husband's 401k into a safe retirement savings account while providing me with guidance for my CalPers account, Roth IRA's, etc... Brian was extremely helpful in filling out the different forms. Brian took care of my uncertainty and helped me feel at ease with the decisions that we made. I feel we have a trustworthy advisor for our retirement. read more

I've been working with Appreciation Financial for some time now. I know now that they really care about their clients. They do what's good for the client at all times. Great place to do business with. They can help with your retirement goals, Life insurance, or any questions you may have. Give them a shot James has been helping me 619-871-7969 thus far. Really genuine human beings that are willing to help in any way possible. read more

If you are looking for lack of responses and poor customer service - this is your place. Brett Moore of Appreciation Funding has been our contact, but he is sorely lacking in those areas. He set up a meeting with me and after I drove to his office, he was not there. His assistant called him on his cell and he said that he "forgot" about the appointment. I drove back there again a few days later and he was about 40 minutes late. My wife and I set up an appointment with one afternoon at about 5:00 pm, and at 4:45 he emailed us that he was "too tired" to make it. I invested my entire retirement fund in an annuity with him because my wife, a retired teacher, said that he was recommended by other teachers. I am not a retired teacher although I am retired. Now, he rarely gives me (in writing) my interest rates on anything. The annuity is with National Life Group, which gives very poor statements. There is a very heavy penalty for me to just withdraw my funds. When I email him, it might take him weeks to respond, if at all. If and when he does, he rarely addresses precisely the questions I have asked. The few times I have received anything in writing, it has been literally scribbled on a piece of paper. One time, he used the little bedside notepad from the Las Vegas Hard Rock Hotel. Last year he "forgot" about my IRA Required Minimum Draw (RMD) that I had to take from my annuity/IRA the year I turned 70 1/2. Had my accountant not caught it, the IRS penalty for not taking it would have been 50% of my withdrawal. This year, 2018, he has been evasive about how to take my RMD after my November birthday, but before 12-31-18 deadline, or I will be charged another 50% penalty. Or, setting up my lifetime annuity beginning next year. National Life sent me a very complicated form, which did not seem to address my wishes. I emailed it to Brett months ago, and once again he has not addressed it given me advice on how to properly fill it out. He makes me feel very uncomfortable about how he is handling my retirement funds and should you have the misfortune to use him or his firm too, you will see what I mean. In summary, there are lots of great financial consultants/advisors out there - this is not one of them. I am in the process of changing agents. In my opinion, he, and his firm are very unprofessional and unresponsive. I would advise staying as far away as possible. read more