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Primerica


Bernie & Cherry Mercader
Bernie Mercader
Senior Vice-President
OFFICE INFORMATION
1535 E Shaw Ave
Ste 105
Fresno, CA 93710-8012
Email Us

WHAT WE DO AND WHY

Primerica has been committed to helping families save and invest for their futures since 1977. By helping families learn our HOW MONEY WORKSTM concepts, we show people how they can achieve a better financial future. With approximately 2.5 million client investment accounts, we offer the best solutions aimed to help families achieve their financial goals. With Primerica, no client is too big or too small.
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MY SERVICES*
New York, Arkansas, California, Florida, Guam, Hawaii, Illinois, Michigan, Minnesota, Missouri ...
California, Arkansas, Florida, Michigan, New Jersey, Nevada, New York, Oregon, Pennsylvania, Texas ...
Bernie Layno Mercader    NMLS ID #:   299492
CA License#: CA-DBO299492
Mortgage Branch Office:
1535 E SHAW AVE
STE 105
FRESNO, CA 93710

Please see important disclosure below

CA Life License: # 0C37708
*Not available in all provinces or states
ABOUT ME
Started with Primerica in: 1994
PFS Investments Inc. Registered Representative:
Bernie L Mercader FINRA's BrokerCheck
Life Insurance Representative (US)
WHAT YOU CAN EXPECT

You can expect a lot by partnering with a Primerica financial professional. Our goal is to help you reach your savings goals while providing the highest-quality client experience. Our goals-based investing approach helps families:
  • Establish an emergency fund
  • Invest for the long term
  • Utilize quality asset managers
  • Generate retirement income
WHAT WE OFFER

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We are a financial services company for everyone - from those just starting out on their investment journey to those already in retirement. Primerica provides access to solutions and services from some of the world's most recognizable companies. Our wide range of products and programs offers an investment solution for everyone.

We help people prepare for the future by offering investments in:

CANADA
  • Mutual Funds
  • Segregated Funds
  • Managed investment programs

U.S.
  • Mutual Funds
  • Annuities
  • Managed Investments*
We use tax-deferred and tax-free accounts:

CANADA
  • RRSPs - Registered Retirement Savings Plans
  • RRIFs - Registered Retirement Income Funds
  • TFSAs - Tax-Free Savings Accounts
  • RESPs - Registered Education Savings Plans
  • RDSPs - Registered Disability Savings Plans

U.S.
  • IRAs - Traditional and Roth
  • 403(b) and 403(b)(7) plans
  • College savings plans
And we have retirement plans for businesses:

CANADA
  • Group RRSPs
  • Group TFSAs
  • Simple contribution options - complimentary for employers

U.S.
  • 401(k), 403(b) and 457 plans
  • SEP and SIMPLE IRA plans
  • Payroll deduction plans - complimentary for employers

We partner with some of the most recognizable investment companies in the industry. Our strategic partners include AGF Investments Inc., AIG, American Century Investments, American Funds, Bridgehouse Asset Managers, Brighthouse Financial, CI Investments, Cuna Mutual, Dynamic Funds, Equitable, Fidelity Investments Canada, Franklin Templeton Investments, Invesco, Lincoln Financial, Lockwood Advisors, Mackenzie Investments and Primerica Concert Allocation Series of Funds, among others. Primerica Life Insurance Company of Canada offers the Common Sense Funds family of segregated funds, including: Asset Builder Funds III - VII and the Strategic Retirement Income Fund.



WE TEACH SIMPLE, EASY-TO-UNDERSTAND FINANCIAL CONCEPTS:

Video of The High Cost of Waiting
The High Cost of Waiting (1:25)
Video of Pay Yourself First
Pay Yourself First (1:25)
The Rule of 72 (1:00)
The Rule of 72 (1:00)
Video of The Power of Compound Interest
The Power of Compound Interest (1:18)

We truly are a financial services company for everyone. Let's work together to help you achieve your goals. To get started, contact your financial professional today.



Note: This website is for informational purposes only and should not be construed as a solicitation to sell or an offer of any of Primerica's products or services.

Primerica Representatives are independent contractors. Representatives are not licensed to sell all products in all states/provinces. Representatives may provide products and services only to individuals in those jurisdictions where they are licensed or approved. For more information, see Primerica's Important Disclosures.

Life-licensed Primerica representatives are agents of certain affiliated Primerica Companies. In Canada, term life insurance products and Common Sense Funds segregated fund products are underwritten by Primerica Life Insurance Company of Canada, Head Office: Mississauga, Ontario. In New York, term life insurance products are underwritten by National Benefit Life Insurance Company, Home Office: Long Island City, New York. In the United States (except in New York), term life insurance products are underwritten by Primerica Life Insurance Company, Executive Offices: Duluth, Georgia.

In the U.S., securities are offered exclusively by PFS Investments Inc. Representatives not licensed with this entity cannot sell to you, or discuss with you, any securities or investment products. Primerica Home Office Address: 1 Primerica Parkway, Duluth, GA 30099.

In Canada, mutual funds are offered exclusively by PFSL Investments Canada Ltd, mutual fund dealer. Representatives not registered with this entity cannot sell to you, or discuss with you, any mutual fund investment products. Primerica Home Office Address: 1 Primerica Parkway, Duluth, GA 30099. Canadian Head Office Address: 6985 Financial Drive, Suite 400, Mississauga, Ontario L5N 0G3.

*Advisory services offered through Primerica Advisors, which is the trade name under which PFS Investments Inc. conducts its investment advisory business. Not all PFS Investments representatives are authorized to offer managed investments.
Mortgage Loans - Important Disclosures

Primerica Mortgage, LLC, NMLS ID # 1723477 (https://nmlsconsumeraccess.org). EQUAL HOUSING OPPORTUNITY. Primerica Mortgage, LLC is a state licensed Mortgage Broker, with its headquarters office located at 1 Primerica Parkway, Duluth, GA 30099-0001. Phone Number: 1-855-357-1054. Mortgage products are offered through a contractual agreement between Primerica Mortgage, LLC and a third-party lender.; This is not a commitment to lend or extend credit. All loans, credit, and collateral are subject to underwriting and approval by the lender. Terms, rates, data, programs, information, and conditions are subject to change without notice. Not all loan products are available in all states. Specific program restrictions may apply so please consult your Mortgage Loan Originator (MLO) for complete details. Your MLO may only originate mortgage loans on real property that is located in a state where both Primerica Mortgage, LLC and the MLO are licensed to transact mortgage business. While refinancing your existing loan may reduce your monthly payment, your total finance charges may be higher over the life of the loan. Primerica Mortgage, LLC is a MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER. For additional disclosures and a complete list of states where residential mortgage loans are offered, please visit https://bit.ly/PriMortgage.

California: Primerica Mortgage, LLC. Licensed by the California Department of Financial Protection and Innovation under the California Financing Law License No. 60DBO 82834.