This is a brief description of the online services that are offered based on your membership level:

Free Membership: (Ask a Free Question Now)

• Which credit card should you sign up for?

• Who should you open up your bank account with?

• What is the best way to do a credit card App-O-Rama for your situation?

• What should you do with a bad check?

• How should you pay off debt, and budget to get it paid off?

• If you would like a referral for a tax preparer or good CPA in your area
  

• Other similar types of questions

Paid Membership:

• All of the above, and...

• A 30 minute to one hour telephone consultation per month to discuss any of your financial questions
  

• Removal of one bank or credit card fee due to overdraft, over-limit, etc... bimonthly guaranteed1 or reduction of your interest rate2. If we cannot get your fee removed or your rate reduced, we will pay you out of our own pocket.
  

• Help in setting up your retirement accounts and determining where to put your retirement money

• We will create an easy to read budget for you each month

• We will help you to determine legitimate home business opportunities if you are interested, and we will keep you protected from the scam artists

• SIGN UP HERE!!
  

Premier Membership:

• Premier membership is for top level clients and is mainly targeted towards small businesses, and business startups, but may also be helpful to individuals depending on your situation

• Premier members receive a personal client manager, and receive a level of service that is not available from our competitors

• Our premier members are allowed to access a separate site that is designed to fit their personal and business needs

• If you think you may be interested in joining our premier department, or would like a little more information about how it works, email us at premiermembership@brienprivatefinance.com

1In order for us to remove this fee you must have made at least two payments if you are on the monthly payment plan, or made your initial payment if you are on any other plan. Only one fee may be removed for every two months that you have been with us. Additional fee removal services cost 50% of the fee removed or amount recovered for you. In order for us to guarantee that we can get your fee removed, you must not have had a fee been removed for you by us or anyone else including yourself from any of your accounts at that institution for the past 6 months. If we are not able to get the fee removed, we will try to get a partial refund of the fee. If you meet the terms for the guarantee, and we are not able to get your entire fee refunded, we will personally send you the amount that we were not able to get refunded up to the amount that you have paid for our service consecutively and since the last fee refund.

2The same time qualification applies to this service as noted above. The cost for additional decrease in interest rate (after the first free one every two months) is $2.00 per percentage point decreased. Our guarantee only applies if you are current on all of your cards at that institution, and you have not defaulted on any of your cards with that institution in the past 12 months. A default is defined by that particular institution. You must also have not had your interest rate decreased on any card with that institution in the past 6 months. If you meet these qualifications, we will pay you $10.00 for every percentage point above the "all variable" rate as stated by BankRate at http://www.bankrate.com/brm/rate/cc_home.asp (up to the total amount that you have paid us consecutively since your last request for interest rate decrease or fee removal). For example if the "all variable" rate is 10.00%, and we can only get your credit card company to offer you 12.00%, and you are covered under the guarantee terms, we will pay you $20.

Please note for both of the above qualifications, even if you are not guaranteed, it is definitely worthwile to get us to try and reduce your rate/get your fee removed. We have been very successful in negotiating with the banks and credit card companies even when the customer was not guaranteed the fee removal or rate decrease.