Kenneth Frost is a financial advisor with Primerica Advisors in Cedar Falls, IA, holding Series 63 and Series 65 licenses and having 14 years of industry experience. His work history includes roles at PFS Investments Inc. and Primerica Financial Services since 2010, with prior experience at Lowe's Home Improvement and Kelly Services. He is also involved in part-time sales of loan and home-related products through affiliates of PFS Investments Inc. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm delivers advisory services primarily through model-based strategies managed by unaffiliated asset managers and supported by custodial and trade execution services.

Umang Talati is a financial advisor with Primerica Advisors in Sugar Land, TX, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. He has been with Primerica Advisors since 2003 and Primerica Financial Services since 2002. In addition to advisory work, he is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, as well as corporate and charitable clients. The firm delivers advisory services through a large network of advisors and utilizes model-driven investment strategies managed by third parties.

Robert Johnson is a financial advisor with Primerica Advisors in Worthington, OH, holding a Series 63 designation and 10 years of industry experience. He has been with Primerica Advisors since 2015 and Primerica Financial Services since 2014. Outside of advisory services, he is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-driven strategies and a limited number of separately managed account options primarily for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure rather than fixed fees.

Andria Lamay is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and with 19 years of industry experience. She has been with Primerica Advisors since 2005 and Primerica Financial Services since 2011. In addition to her advisory role, she receives compensation for sales and referrals related to mortgage products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm emphasizes a tiered wrap-fee structure and curates third-party asset managers, maintaining oversight of model selection and implementation.

Marc Agresti is a financial advisor with Primerica Advisors in Milford, CT, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Primerica Advisors since 1994 and Primerica Financial Services since 1993. Outside of his advisory role, he is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure, focusing on retail clients rather than institutional pension or profit-sharing plans.

Damian Lozano is a financial advisor with Primerica Advisors in Redlands, CA, holding Series 63 and Series 65 designations and 13 years of industry experience. He has worked with firms including PFS Investments Inc. and Primerica Financial Services for over a decade. Outside of financial advising, he is involved in a family-owned tax preparation service and receives compensation for referrals related to home security and automation products. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, delivering advisory services primarily through model-based portfolio recommendations managed by unaffiliated asset managers. The firm operates at scale with nearly 3,700 advisors and approximately $15.5 billion in assets under management.

Edward Markgraf is a financial advisor with Primerica Advisors, holding a Series 63 designation and 39 years of industry experience. He has been with Primerica Financial Services since 1983 and Primerica Advisors since 1999. In addition to his advisory role, he is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of separately managed account options for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered percentage-based wrap fee structure rather than fixed fees.

Janice Chinn is a financial advisor with Primerica Advisors in Centerville, OH, holding 24 years of industry experience. She has been with Primerica Advisors since 1998 and with Primerica Financial Services since 1995. Outside of her advisory role, she is the founder of the Just For You Foundation and serves as Executive Director of its Ephraim's House programs, in addition to owning All Tax Matters and Chinn Industries. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and limited discretionary separately managed account options. The firm curates third-party asset managers and employs an operational model featuring tiered wrap fees and oversight of portfolio management.

Michael Hayward is a financial advisor with Primerica Advisors in Woodbury, MN, holding a Series 63 designation and over 21 years of industry experience. He has been with Primerica Advisors since 2004 and has worked with Primerica Financial Services since 2002. Outside of advisory services, he is involved in selling loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure, with trading and custodial services provided by BNY Mellon Advisors and Pershing.

Peter Tijerina is a financial advisor with Primerica Advisors in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. He has been with Primerica Advisors since 2016 and has worked with Primerica Financial Services since 2013. In addition to his advisory role, he is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of discretionary separately managed account options to individual and high-net-worth clients. The firm focuses on tiered wrap-fee solutions and curates third-party asset managers, delegating trading responsibilities to BNY Mellon Advisors.

Jonathan Bowen is a financial advisor with Primerica Advisors based in Canton, MA, holding Series 63 and Series 65 licenses and five years of industry experience. He has worked at Primerica Financial Services since 2020 and PFS Investments Inc. since 2021. Outside of advisory work, he is involved in real estate through eXp Realty and previously managed Hub Edge Realty LLC. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, utilizing model-driven investment strategies managed by third parties and supported by custodial and trade execution services from Pershing and BNY Mellon Advisors.

Zachary Fidler is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. Prior to his current role, he served ten years with the San Bernardino County Sheriff's Department. Outside of advisory work, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm delivers advisory services using model-driven portfolio strategies supported by third-party asset managers and custodians.

Jerry Blackard is a financial advisor with Primerica Advisors in Burleson, TX, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been associated with PFS Investments Inc. since 1999 and with Primerica Financial Services since 1995. Outside of advisory work, he is involved in business activities related to loan product sales and home security referrals through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and a limited selection of separately managed accounts to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure, focusing on retail clients rather than institutional or pension plan management.

Mary Hart is a financial advisor with Primerica Advisors in Milford, OH, holding a Series 63 designation and nine years of industry experience. She has been with Primerica Advisors since 2016 and also has experience with Primerica Financial Services starting in 2015. In addition to her advisory role, she is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selective separately managed accounts. The firm uses third-party asset managers and offers a tiered wrap-fee structure, focusing on curated investment models rather than institutional plan management.

Rhett Whitley is a financial advisor at Primerica Advisors with over 30 years of industry experience. He holds Series 63 and Series 65 designations and has been with Primerica since 1994. Outside of his advisory role, he works as a public notary in Birmingham, AL. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selective separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap fee structure, focusing on percentage-based fees rather than fixed billing.

Rose Santiago is a financial advisor with Primerica Advisors holding Series 65 and Series 63 licenses. She has been with the firm since 2025 and has prior experience at PFS Investments Inc. and Cloud10 Smartwash. Outside of finance, her background includes roles in retail and as a homemaker. Primerica Advisors is a large-scale institution serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers a wrap-fee asset management program that uses model-delivery strategies managed by unaffiliated asset managers and supported by custodial services from Pershing.

Maria Richards is a financial advisor with Primerica Advisors in Whittier, CA, holding Series 63 and Series 65 licenses and two years of industry experience. She has worked at PFS Investments Inc. since 2024 and Primerica Financial Services since 2023. Prior to her advisory roles, Richards has diverse experience including healthcare support work and homemaking. Primerica Advisors is an institutional firm sponsoring a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm utilizes model-delivery strategies from unaffiliated asset managers and offers discretionary portfolio management primarily for individual investors, managing approximately $15.5 billion in assets.

Bobby Powers is a financial advisor with Primerica Advisors in Carrollton, GA, holding Series 63 and Series 65 licenses and having eight years of industry experience. He has worked at Primerica Advisors and Primerica Financial Services since 2018 and previously held roles at Fogo Data Centers and the SwingThought Tour. Powers also engages in the sale of investment-related products and receives compensation for referrals related to home security and automation products as well as loan products through affiliated companies. Primerica Advisors manages a wrap-fee asset management program serving individual investors, as well as corporate and charitable clients. The firm operates at scale with thousands of advisors and offices, delivering advisory services based on model recommendations developed by unaffiliated asset managers, and offers a range of strategic and tactical investment models.

Bradley Kadlec is a financial advisor with Primerica Advisors in Billings, MT, holding Series 63 and Series 65 credentials and 16 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 2010. Outside of advisory work, he is the owner of Kadlec Construction Co. and has been involved in other business ventures including a partnership interest in 3 DJ's, LLC. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm’s investment approach utilizes model-delivery strategies overseen by unaffiliated asset managers and offers a range of portfolio options supported by BNY Mellon Advisors and Pershing.

David Douglas is a financial advisor with Primerica Advisors in Union, NJ, holding Series 63 and Series 65 licenses and one year of industry experience. His prior work includes roles at PFS Investments Inc., Primerica Financial Services, and Florida Financial Advisors. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm employs a model-delivery investment approach managed by third-party asset managers and supports trading and custody through BNY Mellon Advisors and Pershing.