PFS Investments Inc. (PFSI) offers both brokerage and advisory accounts. Representatives do not have investment discretion over any client account or assets. For additional information about the products and services available in brokerage and advisory accounts, including fees, expenses and the compensation received by PFSI and your representative, please review a copy of our Form CRS, Form ADV brochure and our informational brochure, Investing with Primerica, available from your representative and online at www.primerica.com/pfsidisclosures.

Before investing, please review a copy of the Primerica Advisors Lifetime Investment Program Form ADV Part 2A wrap fee program brochure for a full description of the services offered by the program and the fees you will pay to receive those services.

The due diligence conducted by Primerica Advisors is not a guarantee that any asset manager, investment model, security, or investment style will provide positive performance over time. 

It is important to remember that there are risks inherent in any investment, and that investments in the program are subject to multiple risks, including market, credit, interest rate, default, liquidity, currency, economic, and political risk. Investments in the program are not insured and may lose value. There is no guarantee that an investment in the program will achieve your investment objectives.

Diversification and asset allocation do not guarantee a profit or protect against a loss in declining markets.
The statements contained herein are based upon the opinions of Primerica Advisors and the data available at the time of publication and are subject to change at any time without notice. This communication does not constitute investment advice and is for informational purposes only, is not intended to meet the objectives or suitability requirements of any specific individual or account, and does not provide a guarantee that the investment objective of any asset allocation strategy will be met. Neither the information nor any opinions expressed herein should be construed as a solicitation or a recommendation by Primerica Advisors to buy or sell any securities or investments.

PFS Investments Inc. (PFSI), 1 Primerica Parkway, Duluth, Georgia 30099-0001, registered broker-dealer and investment adviser, member of FINRA/SIPC. PFSI offers advisory services through and is the sponsor of the Primerica Advisors Lifetime Investment Program, a wrap fee program. Primerica Brokerage Services, Inc. (PBSI), member of FINRA/SIPC, is the provider of brokerage services for the Primerica Advisors Lifetime Investment Program. Representatives who offer advisory services are supervised persons of PFSI. Primerica, Inc., PFSI and PBSI are affiliated companies.

Your advisor does not have discretion to change the models held in your Lifetime Investment Program account, or to buy or sell individual securities in the account.
Tax considerations, while important, are one factor to consider before making any investment decision. Primerica Advisors is not a tax advisor, and neither Primerica Advisors nor its representatives provide tax advice. For specific tax advice, please consult with a qualified tax professional.