What is FHRI?

According to the U.S. Census Bureau, nine out of every ten Americans are not financially prepared to retire when they reach age 65. In other words, America is in a financial planning crisis. And whether it’s bad advice, market fluctuations, or healthcare concerns, there are a number of obstacles sitting between you and a worry-free retirement. FHRI can’t make you an expert, but we can empower you to make informed financial decisions.

How can you help ensure you’re taking the right steps towards financial security?

The answer is FHRI. Established in 1998, the Financial Health Research Institute (FHRI) is an organization that provides unbiased financial educational resources to help people like you prepare for the future. These resources include educational materials and easy-to-use diagnostic tools to provide financial awareness. Additionally, FHRI provides a professional membership program which connects consumers with ethical and licensed financial professionals.

The Purpose of FHRI

The financial planning crisis in America is an alarming reality. The crisis is, in large part, fueled by the fact that many Americans don't have access to the kind of resources needed to plan for their future. It is a problem that continues to jeopardize the financial health of each and every one of us.

At the Financial Health Research Institute, we understand that managing your finances can be an intimidating prospect; however, we also recognize that proper planning is the essential component to a financially-secure future. Through the research and development of educational resources, unbiased financial tools, and additional resources, FHRI empowers you to make informed financial decisions.

Yet, having access to the right information is only half the financial planning battle. You'll still need to seek the advice of a licensed financial professional who is qualified to assist you in understanding your financial plan and, when appropriate and requested, help you make any changes that may be required. Unfortunately, in today's world it's often difficult to know if the person calling on the phone or knocking at the door is looking out for your best interests.

That's why FHRI has created a Professional Membership Program that evaluates financial professionals in relation to a strict code of conduct; local, state, and federal criminal background check; and verification of current state licensing. Only applicants that have met our high ethical standards are authorized to offer FHRI's free materials and resources to consumers. With the FHRI membership program, you can connect with an ethical financial professional who can answer your questions and assist in the financial planning process.

Founded as an educational resource for financial planning, FHRI has now grown into a beacon of trust and reliability for consumers, as well as those working in the financial services industry. Through our financial tools, educational resources, and a Professional Membership Program, Americans now have access to the resources they need to properly plan for their future.

How FHRI is funded

FHRI resources and web tools are offered free to consumers. Financial professionals who are part of FHRI's Professional Membership Program pay membership dues and other fees to support FHRI research and administration. In return, FHRI supplies members with information needed to make informed financial decisions. Members provide FHRI materials free of charge to the consumer.

If you have been contacted by an FHRI Member you have likely requested financial planning advice from FHRI. The Institute automatically connects you to an FHRI Member in your area who will deliver these materials and assistance in accordance with FHRI guidelines.