Two Ways to Go Deeper

The Tools Will Take You Far.
We Can Take You Further.

The free resources on this site are a starting point. For people who want personalized guidance — on their household finances, their insurance, or their investment strategy — there's a next step.

Choose Your Path

Same People. Different Needs.

Heart & Wallet Institute exists to educate and equip. Marray's work with Primerica exists to serve those who are ready to act on what they've learned. Both paths lead to the same place — a financial life that reflects what you truly value.

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Heart & Wallet Institute
Education, Community & Equipping

Free tools, workshops, and biblical stewardship teaching designed for individuals, families, and church communities at every financial stage.

Free financial tools and calculators
The Aligned workshop for churches
Heart & Wallet podcast
The 90-Day Financial Reset
Builder Type Assessment
Explore Free Resources →
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Primerica Financial Services
Personal Guidance & Financial Products

When you're ready for personalized attention — life insurance coverage, retirement strategy, or investment planning — Marray serves clients through Primerica Financial Services.

Term life insurance needs analysis
Retirement and investment planning
Personalized financial review
One-on-one coaching sessions
Family financial protection planning
Schedule a Free Consultation →
Marray Harris

One Person.
Two Commitments.

Marray Harris is a financial educator, biblical stewardship speaker, and licensed investment professional with Primerica. He and TK founded the Heart & Wallet Institute because they believe financial transformation begins in the heart — not on a spreadsheet.

Through the Institute, Marray equips families with the knowledge and tools to manage money faithfully. Through Primerica, he serves clients who are ready to put that knowledge to work with licensed, personalized guidance. The mission is the same in both rooms: help people build a financial life they're not ashamed of.

Investment Professional · Primerica Biblical Stewardship Speaker Heart & Wallet Institute Founder Featured · Mississippi Christian Living
Primerica Services

When You're Ready for Personal Guidance

These services go beyond the free tools — they're for families who want a licensed professional in their corner, helping them make decisions that actually protect and grow what they've built.

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Life Insurance Analysis

A personalized review of your family's coverage needs — not a generic quote, but an honest conversation about what would actually happen if you weren't here tomorrow.

Free consultation
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Retirement Strategy

Whether you're starting from zero or trying to close a gap, Marray can help you build a realistic retirement plan that accounts for your income, your timeline, and your goals.

Free consultation
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Financial Review

A comprehensive look at your complete financial picture — income, debt, savings, insurance, and investments — with specific, actionable recommendations for your household.

Free first session
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Family Protection Planning

Designed for couples and families who want to make sure the people they love are protected — even if something unexpected happens before the plan is complete.

Free consultation
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Investment Planning

For families ready to move beyond saving and into growing — understanding investment vehicles, contribution strategies, and how to build wealth over time with intention.

Free consultation
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Aligned Workshop Follow-Up

For attendees of the Aligned workshop who want to take their commitment card and turn it into a personalized financial plan with a professional walking alongside them.

Workshop attendees only

A note on transparency: Heart & Wallet Institute's educational content — including all free tools, the podcast, and the Aligned workshop — is provided independently of Marray's work with Primerica. The Institute does not endorse any financial product or receive compensation based on product sales. Primerica services are offered separately and are subject to Primerica's licensing, terms, and state regulations. Marray.Harris@Primerica.com | livemore.net/o/MarrayHarris

Not Sure Which Path Is Right?

Start with the free tools. When you're ready for a conversation, we're here. No pressure, no pitch — just an honest next step.

Schedule a Free Conversation → Explore Free Tools First