Michael Stebner is a financial advisor with Primerica Advisors in Eldersburg, MD, holding Series 63 and Series 65 licenses and possessing 24 years of industry experience. He has worked at Pfs Investments Inc since 2002 and Primerica Financial Services since 2000. Primerica Advisors manages a wrap-fee asset management program serving individual investors, as well as corporate and charitable clients. The firm employs model-delivery strategies created by unaffiliated asset managers and offers a range of portfolio management options supported by BNY Mellon Advisors and Pershing custody services.

Mark Bishop is a financial advisor with Primerica Advisors in Tulsa, OK, holding Series 63 and Series 65 credentials and eight years of industry experience. He also works as a clinical oncology pharmacist at Hillcrest Medical Center, where he reviews cancer therapies for appropriateness. Bishop has held roles at PFS Investments Inc. and Primerica Financial Services since 2016. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm uses model-delivery strategies managed by unaffiliated asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Douglas Ottosen is a financial advisor with Primerica Advisors in Houston, TX, holding Series 65 and Series 63 licenses and having three years of industry experience. His prior work includes roles at Primerica Financial Services, Blue Water Pools, and Alcresta Pharmaceuticals. Outside of advisory services, he is involved in sales of loan products and home-related services through affiliates of Primerica. Primerica Advisors primarily serves individual investors along with corporate and charitable clients through a wrap-fee asset management program that uses model-based investment strategies managed by third parties. The firm operates at scale with thousands of advisors and offices, offering advisory services focused on a range of strategic, tactical, tax-managed, and income-distribution approaches.

Gary Hoshaw is a financial advisor with Primerica Advisors, holding a Series 63 designation and 39 years of industry experience. He has been with Primerica Advisors since 1986 and Primerica Financial Services since 1991. Outside of advisory work, he owns and serves as president of Gary and Carrie Hoshaw Inc., a legal entity formed for Primerica business purposes, and is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Arthur Larm is a financial advisor at Primerica Advisors with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Primerica Advisors and Primerica Financial Services since 1995. In addition to his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm uses a tiered wrap fee structure and curates third-party asset managers while delegating model implementation to BNY Mellon Advisors.

Daniel Stuckart is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and four years of industry experience. He has worked at Primerica Advisors since 2021 and has prior experience at Rosendin Electric, Proline Contracting LLC, Primerica Financial Services, and Quality Electric Inc. In addition to advisory services, he is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm utilizes model-delivery strategies managed by third-party asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Leon Vaughn is a financial advisor at Primerica Advisors with one year of industry experience. He holds Series 63 and Series 65 licenses. His work history includes roles at Primerica Financial Services, Central Transportation LLC, Staffinders Inc, Vaugh Global Solutions, and Safer Foundation. Vaughn has been involved with Vaugh Global Solutions since 2020. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-based investment strategies overseen by third-party managers and supports accounts through BNY Mellon Advisors and Pershing.

Carmen Hernandez is a financial advisor with Primerica Advisors in Fort Wayne, IN, holding Series 63 and Series 65 licenses and five years of industry experience. She has worked with Primerica Advisors since 2020 and also serves as an office manager for Janice McGraw. Outside of her advisory role, Carmen works as a Spanish translator. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-based strategies and separately managed accounts primarily to individual and high-net-worth clients under a wrap-fee structure.

Stephen Tjaden is a financial advisor with Primerica Advisors in Carroll, IA, holding Series 65 and Series 63 licenses and having two years of industry experience. He has been with Primerica Advisors since 2024 and Primerica Financial Services since 2023. Outside of his advisory work, he has been involved with AAU Basketball and Sioux Central Schools for several years. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-delivery strategies developed by unaffiliated asset managers and operates through a large network of advisors managing approximately $15.5 billion in assets.

Jeffrey Castolene is a financial advisor with Primerica Advisors in Bountiful, UT, holding Series 63 and Series 65 licenses and with 34 years of industry experience. He has been with Primerica Advisors since 1991 and Primerica Financial Services since 1989. Outside of his advisory role, he is the owner of Teresa A. Castolene, LLC, a non-investment-related business. Primerica Advisors provides discretionary asset management 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 curates third-party asset managers and uses a tiered wrap-fee structure rather than fixed fees.

Erick Milanco is a financial advisor with Primerica Advisors in Fremont, CA, holding Series 63 and Series 65 licenses and eight years of industry experience. He has been with Primerica Advisors since 2017 and also worked at Raymond Handling Concepts Corp from 2015 to 2020. Outside of his advisory role, Milanco owns Prime Lift Tires, LLC, a forklift repair and service business, and works as a delivery driver for Amazon Flex and DoorDash. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model‑delivery strategies and a limited number of discretionary separately managed account options primarily for individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap fee structure, with trading and execution services delegated to BNY Mellon Advisors and Pershing.

Gerald Miranda is a financial advisor with Primerica Advisors in Birmingham, AL, holding Series 63 and Series 65 licenses and possessing 14 years of industry experience. He has worked with PFS Investments Inc. since 2011 and Primerica Financial Services since 2009. Outside the investment field, he has operated a self-employed commercial equipment lease brokerage business under the name CTC Capital, which he plans to discontinue. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and provides a tiered wrap-fee structure for its services.

Steven Vasquez is a financial advisor with Primerica Advisors in San Clemente, CA, holding Series 63 and Series 65 credentials and 38 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1987. Outside of advising, he is involved in sales of home security and automation products through affiliated companies and participates in managing a family trust. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers 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 for its services.

Jelord Henderson is a financial advisor at Primerica Advisors with 10 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Primerica Advisors since 2015. In addition to his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management via its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed accounts to individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure rather than fixed fees.

Darryl Ulmer is a financial advisor with Primerica Advisors in Jackson, MS, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. His work history includes longstanding roles at Primerica Financial Services and PFS Investments Inc., as well as experience in education at Wingfield High School. He is also involved in sales of loan products and home-related services through Primerica-affiliated companies. Primerica Advisors serves primarily individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm offers a wrap-fee asset management program utilizing model-delivery strategies managed by unaffiliated asset managers, supported by BNY Mellon Advisors and Pershing for trade execution and custody.

Sarah Peters is a financial advisor with Primerica Advisors, holding a Series 66 designation and 11 years of industry experience. She has been with Primerica Financial Services since 2015. Peters is also involved in the management and operations of investment-related products. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm operates at scale with thousands of advisors and offices, delivering advisory services primarily through model-driven strategies created by unaffiliated asset managers.

Artur Bukatar is a financial advisor with Primerica Advisors in Roseville, CA, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has been affiliated with PFS Investments Inc. since 2011 and Primerica Financial Services since 2010. Outside of advisory work, he receives compensation for referrals related to home security, automation products, and loan services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and separately managed accounts primarily for individual and high-net-worth clients. The firm uses a tiered wrap fee structure and curates third-party asset managers, with trading and execution delegated to BNY Mellon Advisors.

Alan Jordan is a financial advisor with Primerica Advisors in Knoxville, TN, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2000 and has operated Jordan Tax Service since 1999. Outside of advisory work, he is involved in sales of loan products and home security and automation service referrals through affiliated firms. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs a model-based investment approach supported by third-party asset managers and provides custody and trade execution services through Pershing and BNY Mellon Advisors.

Joann Richard is a financial advisor with Primerica Advisors in South Holland, IL, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. She has worked with Primerica Advisors since 2015 and was previously with ACES Illinois for 24 years. Richard is also an author, contributing a chapter titled "School is in the Home" to the 2022 publication "Encouraging Inspiring & Changing Lives, One Story at a Time." Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery 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 for its services.

Duane Lawrence is a financial advisor with Primerica Advisors in Margate, FL, holding Series 63 and Series 65 licenses and 24 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2001 and was briefly associated with Second Mile Management LLC in 2023. Outside of his advisory role, he coaches Crossfit at Deerfield Beach, FL, spending approximately 20 hours per month in this fitness capacity. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes 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 delegates trading responsibilities to BNY Mellon Advisors, providing a wrap-fee solution rather than institutional pension or profit-sharing plan management.