Primerica is now serving Dover and the rest of Kent County out of Greentree Shopping Center.

The proprietors of the new Primerica office in the Greentree Shopping Center in Dover want families living paycheck to paycheck to know that the notion that one must have money in order to make money is a farce.

With more and more of Middle America living paycheck to paycheck, Primerica Vice Presidents Rod Hausmann and Kevin Washington want these consumers to know that there is a way out.

Investing and planning for crucial things like retirement and college tuition for children are possible with the right financial education, Hausmann and Washington said. In short, their mission is to help families earn more income and become debt free and financially independent.

"Most financial planners only want to talk to families making $150,000 a year or more," Washington said. "Our target is $25,000 to $150,000 per year. We want them to prepare for such things as retirement and children's education. If we wait, it's going to cost a lot more."

Hausmann came from Primerica's Hockessin/Pike Creek office while Washington came from the Glasgow office to Dover in May because they saw Kent County as a prime area of growth. One of the reasons that the Greentree Shopping Center appealed to them was the fact that new Redner's Market Warehouse under construction there would inevitably draw a lot of traffic to the retail location, Washington said.


WHAT Primerica is a Main Street North America company that aims to help middle class, "Main Street families "earn more income and become properly protected, debt free and financially independent.

WHERE 79 Greentree Drive, Greentree Shopping Center, off Del Route 8, Dover

WHEN 9 a.m. to 5 p.m. Monday through Friday, with evening and home appointments available

CONTACT For more information, call (302) 736-6262 or (302) 736-6220.

There are now five Primerica offices in the state, and Hausmann and Washington believe future growth will take them further south in Sussex County.

Many families are struggling with debt and Primerica advisors work with such people to climb out of such a quagmire, Hausmann said. It just takes a little education and learning how to make tough decisions.

"They've got to desire it," Hausmann said. "They may not like it, but we've always got a solution. The question is, do you want to watch cable or do you want to retire comfortably?

"Or you've got to make some money in addition to what you're earning now," he added.

Primerica takes customers through a financial GPS that shows them 21 ways to save anywhere from $200 to $2,000 a month and teaches them how to lower the cost of insurance in different areas and using those savings to start an investment fund, Hausmann said.

"We can start investing with as little as $50 a month," he said. "It's about building a financial education and getting them to invest.

And the financial firm does do so in the simplest terms possible, said Washington, a Delaware State College graduate.

For instance, Primerica tells customers that if they received a $3,000 federal refund that was not something to necessarily celebrate, Washington said.

"If they're getting a refund from the government, that's money Uncle Sam doesn't deserve," he said. "We show them how to take that $3,000 and make it work for them throughout the year."

Primerica is a Main Street Company for Main Street North America, which means it brings Wall Street to Main Street, Hausmann said. Primerica works with 14 investment firms, including MetLife, Legg Mason, Lincoln Financial and ING,. Primerica's offerings include mutual funds, variable annuities, managed money accounts and fixed index annuities.

"We do so many different areas in finance," Hausmann said. "But we wanted to focus on Middle America, which is forgotten."