About FSN


FinancialSafetyNet is dedicated to offering the public free access to a comprehensive repository of financial information, ranging from investments and personal finance to insurance, college planning and real estate.

Education First is a goal for each of our authors and FinancialSafetyNet Advisors. We believe in the value of an educated consumer, therefore, we offer unbiased, up to date content without advertisement or solicitation.

We have a team of dedicated writers, with backgrounds in various financial industries, coming together to provide you with well researched and up-to-date financial news and information. Our team is passionate about cross-training individuals to better manage all facets of their Financial Safety Net. Our writers are real people who are always interested in hearing from you, feel free to “Ask The Author” or comment on something you’ve read.

Our forum also offers consumers a chance to share their personal experiences, suggest article topics, have their questions answered by FSN Advisors, and connect with local FSN Advisors offering the products or services which they researched or selected.

Join FinancialSafetyNet in building a successful community of individuals, families and businesses bolstered by financial competency. Together we will achieve financial success! To contact Harold Call 844-376-2265

Harold Goldman

Founder & Sr. Advisor, FinancialSafetyNet, LLC
Founder & President, Emes Insurance Services, Inc.
  • Licenses: Insurance Licensed for Life and Health (CA and most other states)
  • Insurance Licensed for Property and Casualty (CA and most other states)
  • Certifications: Certified College Advisor (American College Foundation)
  • Certified Long-Term Care Agent (California Partnership for Long-Term Care)
  • Estate Planning and Retirement Specialist
  • Workers’ Compensation Specialist

Harold Goldman is the Founder and Senior Advisor of FinancialSafetyNet, LLC while serving as President of Emes Insurance Services, Inc.. He is the visionary behind the idea of an unbiased financial education utilizing public online platforms. In an effort to promote educated financial decision-making, FinancialSafetyNet.org helps people improve their financial competency through rich content and access to financial experts.

For over 30 years, Harold has been a successful businessman, estate planning and insurance consultant, agent trainer and experienced financial lecturer with over 1,000 clients. He is licensed in his home State of California and most other states and has participated in the formation of hundreds of small-business corporations.

Graduated from the Eastern Military Academy and trained as a polymer engineer, Harold designed and built  high-tech plastic recycling plants throughout the U.S. and abroad. He is considered the nation’s leading authority in the plastics recycling industry. Then in 2002, as a successful business owner of manufacturing companies, he retired from the recycling plastics business and formed Emes Consultants to assist his clients in creating retirement wealth through creative financial and insurance planning.

As a professional financial educator and advocate for educating the public on financial information which affects them most, he has conducted hundreds of public seminars on retirement planning. Harold also continues to train hundreds of agents on strategies, products and services which support the success of their clients.

Serving as the founder and member of FinancialSafteyNet, Harold tirelessly works to make financial stability accessible for the long-term.  His goal is that all interested professionals from the various fields of finance, law, health, insurance, estate and retirement planning feel free to participate in sharing their common interests with FinancialSafetyNet.org to offer higher quality resources for the general public and individual interest.