BEST IN CLASS INVESTMENT SOLUTIONS OFFERED THROUGH PFS INVESTMENTS INC.

Mutual Funds

  • American Century Investments
  • American Funds
  • Fidelity Advisors
  • Franklin Templeton Investments
  • Invesco
  • MFS
  • Putnam Investments

Annuities

  • AIG
  • Brighthouse Financial
  • Equitable
  • Lincoln Financial

529 Plans

  • American Funds
  • Fidelity Investments
  • Franklin Templeton Investments
  • Scholar’s Choice

 

401(k) Plans

  • Aspire
  • Equitable
  • American Funds
  • CUNA Mutual
  • Fidelity Advisors
  • Voya
  • July Services Managed Account 401k and Solok
  • July Services Cash Balance Plans

Managed Accounts: Primerica Advisors Lifetime Investment Platform

Focused on Client’s Lifecycle Needs: The Primerica Advisors Lifetime Investment Platform is designed to enable advisors to assist their clients in achieving goals throughout the client’s investable lifecycle. Advisors can assist clients through the accumulation, preservation and income distribution phases of their lives.

Access to Professional Asset Managers: The platform provides access to professional asset managers who have well-established track records in asset allocation and security selection, including exchange traded funds, mutual funds and individual stocks and bonds. Each asset manager was selected based on their people, philosophy, process and performance.

LIFETIME INVESTMENT PLATFORM

EQUITY OFFERINGS AND ASSET ALLOCATION MODELS

Asset Managers Founded / AUM Location Asset
Allocation
Investment Management Philosophy Investment
Vehicle
Models Available
1957 / $29.9b (’19)
Toronto, Canada
Strategic The AGF team’s objective is to capture leading growth companies in every investment cycle. Every stock the team holds is a buy each day, or it is sold. AGF uses an opportunistic bottom-up approach with the front-end quantitative screens to identify high-quality, growth companies that can successfully generate sustainable, above-average revenues, earnings and cash flow. Stocks Global Select
U.S. Large Cap Growth Equity
U.S. Small-Mid Cap Growth Equity
1980 / $7b
Waukesha, WI
Strategic Dana Investments Advisors are a domestic manager focusing on bottom up fundamental and quantitative analysis and emphasizing relative valuation and downside.

Stocks

MF

Catholic ESG Equity
Social ESG Equity
All Cap Equity
ESG Asset Allocation Models
1947 / $1.4T
San Mateo, CA
Strategic Franklin Templeton Investment Solutions delivers disciplined and systematic solutions that address clients’ complex investment challenges.
ClearBridge Investments is committed to long-term results through active management. Their investment process provides clients with equity-focused strategies.
Franklin Templeton Investment Solutions:
ETF MF
ClearBridge: Stocks
Franklin Templeton Investment Solutions: Strategic Real Return
ClearBridge: Multi Cap Growth, Divided Income
1995 / $5.4b
Charlotte, NC
Tactical Horizon Investments is a global manager with focus on economic, fundamental and quantitative analysis. ETF Active
Risk Assist
Real Spend
1935 / $1.2T
Atlanta, GA
Strategic Invesco focuses on long-term strategic asset allocation, diversification and risk adjustment. ETF Strategic Balanced
Smart Beta US Equity
Smart Beta Global Equity
1995 / $8b
Philadelphia, PA
Strategic Lockwood is a global macromanager providing long-term strategic asset allocation and downside risk management. ETF/MF 100% Equity
80% / 60%/ 40%/ 20% Equity Models
1974 / $25b
Columbus, OH
Tactical Meeder manages tactical strategies using a systematic, multi-disciplined and multi-factored approach to make data-driven allocation changes that focus on downside protection. MF 80% / 60% / 40% / 20%
Equity Models
2001 / $11.1b
Chicago, IL
Strategic Morningstar focuses on valuation-driven asset allocation with a contrarian mindset, independent investment selection and holistic portfolio. MF 100% / 80% / 40% / 20% Equity Models
Retirement Income Models
  1968 / $4.8b
Los Angeles, CA
Strategic Genter manages with a bottom-up, value driven process focusing on qualified dividends. They seek to reduce volatility and downside risk relative to benchmark. Stocks Dividend Income Equity
1996 / $14.6b
Austin, TX
Tactical Sage is a global macromanager providing fundamental, relative evaluation and technical analysis. ETF ESG Global Equity
100% / 80% / 40% / 20% Equity Models
Multi Asset Income
Founded / AUM Location
1957 / $29.9b (’19)
Toronto, Canada
Asset Allocation
Strategic
Investment Management Philosophy
The AGF team’s objective is to capture leading growth companies in every investment cycle. Every stock the team holds is a buy each day, or it is sold. AGF uses an opportunistic bottom-up approach with the front-end quantitative screens to identify high-quality, growth companies that can successfully generate sustainable, above-average revenues, earnings and cash flow.
Investment Vehicle
Stocks
Models Available
Global Select
U.S. Large Cap Growth Equity
U.S. Small-Mid Cap Growth Equity
Founded / AUM Location
1980 / $7b
Waukesha, WI
Asset Allocation
Strategic
Investment Management Philosophy
Dana Investments Advisors are a domestic manager focusing on bottom up fundamental and quantitative analysis and emphasizing relative valuation and downside.
Investment Vehicle
Stocks, MF
Models Available
Catholic ESG Equity
Social ESG Equity
All Cap Equity
ESG Asset Allocation Models
Founded / AUM Location
1947 / $1.4T
San Mateo, CA
Asset Allocation
Strategic
Investment Management Philosophy
Franklin Templeton Investment Solutions delivers disciplined and systematic solutions that address clients’ complex investment challenges.
ClearBridge Investments is committed to long-term results through active management. Their investment process provides clients with equity-focused strategies.
Investment Vehicle
Franklin Templeton Investment Solutions:
ETF MF
ClearBridge: Stocks
Models Available
Franklin Templeton Investment Solutions: Strategic Real Return
ClearBridge: Multi Cap Growth, Divided Income
Founded / AUM Location
1995 / $5.4b
Charlotte, NC
Asset Allocation
Tactical
Investment Management Philosophy
Horizon Investments is a global manager with focus on economic, fundamental and quantitative analysis.
Investment Vehicle
ETF
Models Available
Active
Risk Assist
Real Spend
Founded / AUM Location
1935 / $1.2T
Atlanta, GA
Asset Allocation
Strategic
Investment Management Philosophy
Invesco focuses on long-term strategic asset allocation, diversification and risk adjustment.
Investment Vehicle
ETF
Models Available
Strategic Balanced
Smart Beta US Equity
Smart Beta Global Equity
Founded / AUM Location
1995 / $8b
Philadelphia, PA
Asset Allocation
Strategic
Investment Management Philosophy
Lockwood is a global macromanager providing long-term strategic asset allocation and downside risk management.
Investment Vehicle
ETF/MF
Models Available
100% Equity
80% / 60%/ 40%/ 20% Equity Models
Founded / AUM Location
1974 / $25b
Columbus, OH
Asset Allocation
Tactical
Investment Management Philosophy
Meeder manages tactical strategies using a systematic, multi-disciplined and multi-factored approach to make data-driven allocation changes that focus on downside protection.
Investment Vehicle
MF
Models Available
80% / 60% / 40% / 20%
Equity Models
Founded / AUM Location
2001 / $11.1b
Chicago, IL
Asset Allocation
Strategic
Investment Management Philosophy
Morningstar focuses on valuation-driven asset allocation with a contrarian mindset, independent investment selection and holistic portfolio.
Investment Vehicle
MF
Models Available
100% / 80% / 40% / 20% Equity Models
Retirement Income Models
Founded / AUM Location
1968 / $4.8b
Los Angeles, CA
Asset Allocation
Strategic
Investment Management Philosophy
Genter manages with a bottom-up, value driven process focusing on qualified dividends. They seek to reduce volatility and downside risk relative to benchmark.
Investment Vehicle
Stocks
Models Available
Dividend Income Equity
Founded / AUM Location
1996 / $14.6b
Austin, TX
Asset Allocation
Tactical
Investment Management Philosophy
Sage is a global macromanager providing fundamental, relative evaluation and technical analysis.
Investment Vehicle
ETF
Models Available
ESG Global Equity
100% / 80% / 40% / 20% Equity Models
Multi Asset Income

TAXABLE FIXED INCOME OFFERINGS

Asset Managers Founded / AUM Location Asset
Allocation
Investment Management Philosophy Investment
Vehicle
Models Available
1947 / $1.4T
San Mateo, CA
Strategic Western Asset Management focuses on long-term fundamental value investing that employs a top-down, bottom-up approach. Each of its products are supported by robust risk management and intensive proprietary research. Bonds GSM7
1935 / $1.2T
Atlanta, GA
Strategic This strategy seeks to deliver an attractive yield by offering access to a diversified set of fixed income classes through a strategic allocation to core yield exchange traded funds. Smart Beta ETFs are one type of investment exposure used to deliver factor exposure. ETF Smart Beta Income
1968 / $4.8b
Los Angeles, CA
Strategic Genter’s TQI strategy is focused on providing high quality government and corporate bonds. Genter uses a set of criteria for maturity and credit parameters to identify bonds worthy of investment. Instead of forecasting interest rate changes, Genter’s team selects individually strong credits with an advantageous balance of risk and reward. Bonds Taxable Quality Intermediate
1996 / $14.6b
Austin, TX
Tactical Sage’s fixed income solutions include both taxable and tax-exempt strategies that serve clients’ needs across the maturity spectrum. Sage also builds custom fixed income strategies designed to help our liability-focused clients efficiently accomplish their unique goals and objectives. ETF ESG Core Plus Fixed Income
Core Plus Fixed
Multi Asset Income
Founded / AUM Location
1947 / $1.4T
San Mateo, CA
Asset Allocation
Strategic
Investment Management Philosophy
Western Asset Management focuses on long-term fundamental value investing that employs a top-down, bottom-up approach. Each of its products are supported by robust risk management and intensive proprietary research.
Investment Vehicle
Bonds
Models Available
GSM7
Founded / AUM Location
1935 / $1.2T
Atlanta, GA
Asset Allocation
Strategic
Investment Management Philosophy
This strategy seeks to deliver an attractive yield by offering access to a diversified set of fixed income classes through a strategic allocation to core yield exchange traded funds. Smart Beta ETFs are one type of investment exposure used to deliver factor exposure.
Investment Vehicle
ETF
Models Available
Smart Beta Income
Founded / AUM Location
1968 / $4.8b
Los Angeles, CA
Asset Allocation
Strategic
Investment Management Philosophy
Genter’s TQI strategy is focused on providing high quality government and corporate bonds. Genter uses a set of criteria for maturity and credit parameters to identify bonds worthy of investment. Instead of forecasting interest rate changes, Genter’s team selects individually strong credits with an advantageous balance of risk and reward.
Investment Vehicle
Bonds
Models Available
Taxable Quality Intermediate
Founded / AUM Location
1996 / $14.6b
Austin, TX
Asset Allocation
Tactical
Investment Management Philosophy
Sage’s fixed income solutions include both taxable and tax-exempt strategies that serve clients’ needs across the maturity spectrum. Sage also builds custom fixed income strategies designed to help our liability-focused clients efficiently accomplish their unique goals and objectives.
Investment Vehicle
ETF
Models Available
ESG Core Plus Fixed Income
Core Plus Fixed
Multi Asset Income

TAX MANAGED OFFERINGS

The below descriptions are the types of Tax-Managed Offerings Available. These offerings are available for Non-Qualified Account Registrations.

Tax-Exempt These strategies are focused on generating tax-exempt income through direct ownership of municipal bonds, or through ownership of Exchanged Traded Funds that hold municipal bonds.
Tax Aware These strategies invest in mutual funds that seek to reduce capital gains tax exposure by limiting turnover of equity securities and reduce income taxes through municipal bond holdings.
Tax Loss Harvesting Managers will actively monitor gains and losses associated with individual stocks and will harvest losses (sell) to offset gains and limit capital gains taxes.
Asset Managers Founded / AUM Location Asset
Allocation
Investment Management Philosophy Investment
Vehicle
Models Available
1980 / $7b
Waukesha, WI
Tax Exempt / Strategic This strategy seeks to deliver attractive tax-free income with a focus on managing both quality and duration risk. The team believes a well-diversified portfolio should contain high quality, tax-efficient, fixed income investments. This Municipal Bond ETF strategy is designed to deliver attractive after-tax yield while limiting portfolio volatility. ETF Tax Exempt Municipal Bond ETF
1947 / $1.4T
San Mateo, CA
Tax Exempt / Strategic Western Asset Management focuses on long-term fundamental value investing that employs a top-down, bottom-up approach. Each of its products are supported by robust risk management and intensive proprietary research. Bonds Municipal Bond Ladders
(CA and NY Specific Ladders Available)
1995 / $8b
Philadelphia, PA
Tax Aware / Strategic Each portfolio is constructed according to the macroeconomic outlook of Lockwood. This strategy seeks to generate risk-adjusted returns over a full market cycle. In order to achieve this, the strategy invests in diversified assets (via mutual funds and/or ETFs). ETF/MF Tax Aware Asset Allocation Models
1974 / $25b
Columbus, OH
Tax Loss Harvesting Meeder Tax Managed Strategy is a customized managed account for each client’s personal goals with a focus on risk management, investment selection, and tax efficiency. MF Tax Managed Asset Allocation Models
2001 / $11.1b
Chicago, IL
Tax Aware / Strategic Morningstar focuses on valuation-driven asset allocation with a contrarian mindset, independent investment selection and holistic portfolio. MF Tax Sensitive Asset Allocation Models
1968 / $4.8b
Los Angeles, CA
Tax Exempt / Strategic Genter’s Muni Bond Ladder is focused on providing high quality municipal bonds. Genter uses a set of criteria for maturity and credit parameters to identify bonds worthy of investment. Instead of forecasting interest rate changes, Genter’s team selects individually strong credits with an advantageous balance of risk and reward. Bonds Municipal Bond Ladders
(CA and NY Specific Ladders Available)
1996 / $14.6b
Austin, TX
Tax Aware / Tactical Sage’s fixed income solutions include both taxable and tax-exempt strategies that serve clients’ needs across the maturity spectrum. Sage also builds custom fixed income strategies designed to help our clients efficiently accomplish their unique goals and objectives. ETF Tax Aware Multi Asset Income
Founded / AUM Location
1980 / $7b
Waukesha, WI
Asset Allocation
Tax Exempt / Strategic
Investment Management Philosophy
This strategy seeks to deliver attractive tax-free income with a focus on managing both quality and duration risk. The team believes a well-diversified portfolio should contain high quality, tax-efficient, fixed income investments. This Municipal Bond ETF strategy is designed to deliver attractive after-tax yield while limiting portfolio volatility.
Investment Vehicle
ETF
Models Available
Tax Exempt Municipal Bond ETF
Founded / AUM Location
1947 / $1.4T
San Mateo, CA
Asset Allocation
Tax Exempt / Strategic
Investment Management Philosophy
Western Asset Management focuses on long-term fundamental value investing that employs a top-down, bottom-up approach. Each of its products are supported by robust risk management and intensive proprietary research.
Investment Vehicle
Bonds
Models Available
Municipal Bond Ladders
(CA and NY Specific Ladders Available)
Founded / AUM Location
1995 / $8b
Philadelphia, PA
Asset Allocation
Tax Aware / Strategic
Investment Management Philosophy
Each portfolio is constructed according to the macroeconomic outlook of Lockwood. This strategy seeks to generate risk-adjusted returns over a full market cycle. In order to achieve this, the strategy invests in diversified assets (via mutual funds and/or ETFs).
Investment Vehicle
MF / ETF
Models Available
Tax Aware Asset Allocation Models
Founded / AUM Location
1974 / $25b
Columbus, OH
Asset Allocation
Tax Loss Harvesting
Investment Management Philosophy
Meeder Tax Managed Strategy is a customized managed account for each client’s personal goals with a focus on risk management, investment selection, and tax efficiency.
Investment Vehicle
Stocks / Bonds
Models Available
Tax Managed Asset Allocation Models
Founded / AUM Location
2001 / $11.1b
Chicago, IL
Asset Allocation
Tax Aware / Strategic
Investment Management Philosophy
This portfolio seeks long-term capital appreciation through investments in domestic and foreign equities, and allocations to intermediate and corporate bonds. The portfolio will experience some level of volatility, but its fixed-income positions should provide it with a cushion in tough stock-market environments. This portfolio is designed for clients with at least a 10-15 year time horizon.
Investment Vehicle
MF
Models Available
Tax Sensitive Asset Allocation Models
Founded / AUM Location
1968 / $4.8b
Los Angeles, CA
Asset Allocation
Tax Exempt / Strategic
Investment Management Philosophy
Genter’s Muni Bond Ladder is focused on providing high quality municipal bonds. Genter uses a set of criteria for maturity and credit parameters to identify bonds worthy of investment. Instead of forecasting interest rate changes, Genter’s team selects individually strong credits with an advantageous balance of risk and reward.
Investment Vehicle
Bonds
Models Available
Municipal Bond Ladders
(CA and NY Specific Ladders Available)
Founded / AUM Location
1996 / $14.6b
Austin, TX
Asset Allocation
Tax Aware / Tactical
Investment Management Philosophy
Sage’s fixed income solutions include both taxable and tax-exempt strategies that serve clients’ needs across the maturity spectrum. Sage also builds custom fixed income strategies designed to help our clients efficiently accomplish their unique goals and objectives.
Investment Vehicle
ETF
Models Available
Tax Aware Multi Asset Income

learn more about us

The individuals identified as Drake Financial Group are affiliated with Primerica, and offer products and services through Primerica subsidiaries, including Primerica Life Insurance Company and PFS Investments Inc.

A Primerica representative’s ability to offer products and services is based on the licenses held by the individual, and the states in which the individual is registered. Not all representatives are authorized to sell all products and services. For additional information about a representative, including licenses and state registrations, please visit www.BrokerCheck.com.

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.

Securities offered by PFS Investments Inc. (PFSI), 1 Primerica Parkway, Duluth, Georgia 30099-0001, a broker-dealer and investment adviser registered with the Securities & Exchange Commission (SEC), a member of the Financial Regulatory Authority (FINRA) [www.finra.org] and a member of the Securities Investors Protection Corporation (SIPC) [www.sipc.com]. PFSI’s advisory business is conducted under the name Primerica Advisors. Fixed indexed annuities are offered by Primerica Financial Services, LLC (PFS). PFSI, PFS and Primerica Inc. are affiliated companies.

The Lifetime Investment Platform is an advisory program sponsored by Primerica Advisors. For additional information about Primerica Advisors, please ask your representative for a copy of the Lifetime Investment Platform Form ADV brochure.

Investors should carefully consider the investment objectives, risks, charges, fees and expenses of any mutual fund before investing. This and other important information can be found in the fund’s prospectus and, if available, the summary prospectus. Please read the prospectus and, if available, the summary prospectus carefully before investing. Prospectuses are available from your Primerica representative.

Primerica representatives are not financial or estate planners, or tax advisors. For related advice, individuals should consult an appropriately licensed professional.

This material is for informational purposes only and should not be considered investment advice or a recommendation to buy, sell or hold a security.

Investing entails risk including loss of principal. Past performance is no guarantee of future results.

Portage Office:

269.329.0010

1302 W Milham Ave

Portage MI, 49024

Byron Center Office:

616.389.0113

2034 84th Street SW

Suite B

Byron Center MI, 49315

Important Disclosures

Form CRS

Reg BI

PFSI Disclosures