Unlocking Strategic Upside — How PFR’s Investment in Parlinum Risk Services Creates Value

Personal Finance Reimagined (PFR) is more than a financial education platform. It is an investment holding company focused on unlocking long-term value in small to mid-sized businesses. With 10+ years of experience across both business-to-consumer (B2C) and business-to-business (B2B) verticals, PFR delivers instructional content to students and institutions while serving as a fractional CFO for a growing number of entrepreneurial ventures.

What sets PFR apart is its investment model—and its values. Inspired by the principle that “Leaders Eat Last,” PFR aligns its compensation with the success of the entrepreneurs it supports. Instead of charging traditional fees, PFR accepts a 5% equity stake and 5% of top-line revenue in exchange for strategic services. This performance-based model reflects a long-term partnership mindset, where PFR earns only when its clients succeed. The result is a diversified, high-upside portfolio built on shared outcomes, mutual skin in the game, and trust.

The latest addition to this portfolio is Parlinum Risk Services (PRS)—a strategic risk advisory firm purpose-built for independent insurance agency platforms. PRS empowers brokers to deliver enterprise risk management (ERM) solutions that elevate the broker-client relationship from transactional to strategic. PRS is actively engaged with a national insurance platform that supports independent agencies with strategic, technological, operational, and financial resources. This platform engagement validates PRS's value proposition and provides real-time feedback, revenue, and access to an expanding broker network. PRS integrates into these types of platforms by training brokers, enhancing governance, and identifying new insurable opportunities.

PFR is funding PRS with a preferred loan, designed to provide downside protection and upside leverage. If PRS succeeds, the loan converts into equity at a 20% discount to the next funding round. If PRS underperforms or fails, the loan retains senior creditor status, prioritizing repayment ahead of other claims. In either scenario, PFR investors still benefit from ownership in a profitable and diversified holding company, with ongoing revenue and equity positions across multiple ventures. This hybrid structure protects early capital while preserving meaningful participation in future growth.

Investor Opportunity: Portfolio Strength with Early-Stage Upside

For investors, the opportunity is both strategic and financially sound. A $20,000 investment secures 1% equity in PFR, providing exposure to its existing portfolio and future growth fueled by ventures like PRS. Once the PRS loan converts to equity, PFR’s valuation increases, directly benefiting all equity holders through appreciation and potential future distributions.

PFR operates under a traditional LLC governance model, meaning investors are entitled to participate in any ownership distributions—whether from:

• Excess operating profits generated by PRS or other portfolio companies,

• Capital gains from a partial or full sale of PFR’s equity stakes,

• Or a change of control event involving PRS or any other PFR-held entity.

This structure offers a compelling blend of long-term growth and liquidity potential, while also providing recurring value as PFR’s underlying businesses mature. Even if PRS underperforms, investors continue to benefit from PFR’s broader portfolio, which includes cash-generating instructional services and B2B ventures.

Talking Points for Investor Discussions

1. Investment Model: PFR

• “We offer fractional CFO services in exchange for 5% equity and 5% revenue. That gives us aligned incentives and recurring upside.”

• “Our approach is grounded in the belief that leaders eat last. We only succeed when our clients succeed.”

2. Capital Structure: PRS

• “Our investment in PRS is structured as a preferred loan. It converts into equity at a 20% discount—or remains a senior creditor if conversion doesn’t occur.”

• “This structure protects our capital while maintaining meaningful upside participation.”

3. Investor Offer:

• “You can invest $20,000 for 1% of PFR equity. That gives you exposure to both our existing companies and new deals like PRS.”

• “Once the PRS loan converts, you benefit from the higher PFR valuation without additional capital.”

4. Risk and Return:

• “You get the security of a diversified portfolio with revenue and equity positions—and the upside of a high-growth advisory firm like PRS.”

• “And even if PRS doesn't succeed, your investment still participates in PFR’s ongoing business success.”

5. Ownership Distributions and Exit Opportunities:

• “PFR uses a traditional LLC model. That means you share in any ownership distributions—whether from PRS profits, other portfolio earnings, or a partial/full sale of equity stakes.”

• “You benefit not just from paper value increases, but from real liquidity as PFR grows.”

6. Why Now?

• “PRS is actively scaling through a partnership with a national insurance platform and is gaining traction across its broker network, validating both demand and delivery capacity.”

• “The next round will be syndicated to a venture capital firm, which typically restricts participation to verified institutional investors.”

• “By investing now, you secure a position ahead of VC entry and ensure your ability to participate in PRS’s future growth.”

About Parlinum Risk Services (PRS)

Parlinum Risk Services (PRS) is a strategic risk advisory firm built to empower independent insurance agency platforms. PRS partners with brokers to deliver white-labeled enterprise risk management (ERM) solutions that enhance client loyalty, uncover new insurable risks, and drive profitable growth. PRS is purpose-built for platforms that offer strategic, technological, financial, and operational support to reignite the entrepreneurial spirit of local agencies.

The firm was founded by Edmund Green, a long-time ERM expert with a background in accounting and executive finance. Edmund recently concluded a distinguished 15+ year career at KPMG, where he led the firm’s Enterprise Risk Management and Board Advisory Services. His leadership and domain expertise position PRS as a trusted partner for broker networks seeking to evolve beyond transactional insurance sales. Jeff Hulett, PFR's Founder and President, will serve as PRS's CFO.

PRS is currently engaged with a national insurance platform, delivering white-labeled ERM solutions that help producers transition into consultative advisors. This early engagement strengthens PRS’s go-to-market strategy and provides operational validation through real-world deployment. With a phased rollout and CRM integration, PRS is positioned to scale across similar platforms—delivering margin expansion, client retention, and a defensible market advantage.

About Personal Finance Reimagined (PFR)

Personal Finance Reimagined (PFR) is a 10+ year-old investment holding company at the intersection of education, entrepreneurship, and financial strategy. PFR delivers decision-making tools and personal finance instruction to high schools and universities, while also providing fractional CFO services to a growing portfolio of entrepreneurial businesses. By accepting a 5% equity and 5% revenue share in exchange for services, PFR builds long-term alignment and identifies early-stage opportunities. This innovative approach allows investors to access a diversified portfolio with real cash flow, and upside from new ventures. With a unique blend of B2C stability and B2B growth, PFR offers a modern, strategic path to long-term wealth creation.