Frances Capitan is a financial advisor with Primerica Advisors in Albuquerque, NM, holding Series 65 and Series 63 licenses and one year of industry experience. Prior to entering financial services, Frances worked for 25 years at Sandia National Laboratories and briefly at the University of New Mexico. She has been with Primerica Financial Services since 2024. Primerica Advisors sponsors and manages a wrap-fee asset management program serving primarily individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm employs a model-driven advisory approach supported by third-party asset managers and offers a range of investment models, including options with cryptocurrency-focused ETFs.

Barbara Rafalowski is a financial advisor with Primerica Advisors in New Haven, IN, holding Series 63 and Series 65 licenses and four years of industry experience. She has worked at Primerica Advisors since 2022 and previously at Primerica Financial Services beginning in 2020. Outside of her advisory role, she 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 separately managed account options to individual and high-net-worth clients. The firm uses third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, operating under a tiered wrap-fee structure.

James Rybarczyk is a financial advisor at Primerica Advisors with 38 years of industry experience. He has been with Primerica Advisors since 1987 and Primerica Financial Services since 1991. In addition to his advisory role, he receives compensation for referrals related to home security and automation products through Primerica Client Services, Inc. Primerica Advisors provides 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 uses a tiered wrap-fee structure, offering a range of investment models implemented by BNY Mellon Advisors.

Regina Sherman is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and over 21 years of industry experience. Her career includes roles at IMC and PFS Investments Inc., and she is involved with Fox Hollow Vineyards and RTC Distributions. Sherman also receives compensation for referrals related to home security and automation products through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts to individual and high-net-worth clients. The firm curates third-party asset managers and uses an exclusively percentage-based wrap fee structure.

Risha Serrano is a financial advisor at Primerica Advisors with 14 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Primerica Advisors and Primerica Financial Services since 2012. In addition to her advisory role, she receives non-investment related compensation for the referral of home security, automation products, and other home-related services through affiliated companies. Primerica Advisors is a large-scale firm serving individual, corporate, and charitable clients through a wrap-fee asset management program that primarily uses model-delivery strategies managed by third-party asset managers. The firm supports its advisory services with custodial and trade execution provided by Pershing and includes options such as discretionary separately managed accounts and newer model allocations to cryptocurrency ETFs.

Anthony Dorsey is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and over 26 years of industry experience. He has been with Primerica Advisors since 1999 and has been affiliated with Primerica Financial Services since 1997. In addition to his advisory role, he is involved in the sale of loan products and home security and automation services through Primerica-affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and discretionary separately managed account options for individual and high-net-worth clients. The firm curates third-party asset managers and utilizes an operational model with tiered wrap fees, focusing on individual investors rather than institutional pension or profit-sharing plans.

Daniel Ojekunbi is a financial advisor with Primerica Advisors in Richmond, TX, holding Series 63 and Series 65 credentials and four years of industry experience. His work history includes roles at Primerica Advisors, Optic, Inc., and Primerica Financial Services, among others. He also engages in sales of investment-related products and receives compensation for referrals related to home security and automation products through affiliated companies. Primerica Advisors serves 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 delivers advisory services primarily through model-based strategies managed by third parties, supported by custodial services from Pershing and overlay management by BNY Mellon Advisors.

Aarti Patel is a financial advisor with Primerica Advisors, holding Series 63, Series 65, and Series 66 licenses, and has two years of industry experience. Her prior work history includes roles at Northwestern Mutual Investment Services LLC and DXC. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm manages approximately $15.5 billion in assets under management through a large network of financial advisors and utilizes model-delivery strategies created by unaffiliated asset managers.

Robert Sloan is a financial advisor at Primerica Advisors with 43 years of industry experience. He has been with Primerica Advisors since 1985 and with Primerica Financial Services since 1991. Outside of his advisory role, he serves as president of EMKEN, LLC, a real estate business. Primerica Advisors offers 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 delegates trading responsibilities to BNY Mellon Advisors, operating under a tiered wrap-fee structure.

Sal Lucido is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been associated with PFS Investments Inc. and Primerica Financial Services since 1993. Outside of his advisory role, he is involved in the sale of home security and automation products through part-time referrals and owns Lucido + Associates, Inc., an entity formed for Primerica business purposes. 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 to individual and high-net-worth clients. The firm curates third-party asset managers and delegates trading responsibilities while operating on a tiered wrap-fee basis.

Stephen Bergman is a financial advisor with Primerica Advisors in Akron, OH, holding a Series 63 designation and 23 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 2002. Outside of his advisory role, Bergman has been involved with Sand Run Travel since 2001. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts to individual and high-net-worth clients. The firm uses an independent due-diligence consultant to evaluate asset managers and delegates trading responsibilities to BNY Mellon Advisors.

Steven Dungey is a financial advisor with Primerica Advisors in Rock Hill, SC, holding Series 63 and Series 65 licenses and with nine years of industry experience. His prior work includes roles at Cemex, IHCScott, and Foundations Church. Outside of his advisory role, he has entrepreneurial experience related to Rub A Dub Grub. Primerica Advisors serves 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 delivers advisory services through model-based recommendations managed by unaffiliated asset managers.

Anthony Cimorelli is a financial advisor with Primerica Advisors, holding a Series 63 designation and 14 years of industry experience. His work history includes roles at Primerica Financial Services, PFS Investments Inc., Recco Home Care Services Inc., and the Town of North Hempstead. Outside of his advisory work, he is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management via 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 uses a tiered wrap fee structure for its services.

Thomas Wilson is a financial advisor with Primerica Advisors in Houston, TX, holding Series 65 and Series 63 licenses and bringing 21 years of industry experience. He has been with Primerica Advisors since 2004 and has worked with Primerica Financial Services since 2002. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with roughly 3,700 advisors and manages approximately $15.5 billion in assets, offering model-based investment strategies supported by third-party managers and custodians.

David Prokesh Jr. is a financial advisor with Primerica Advisors in Grand Island, NE, holding Series 63 and Series 65 credentials and possessing 21 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 2004. Outside of investment advising, he is involved in sales of loan products and home security and automation services through affiliates of his firm. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and limited discretionary separately managed accounts to individual and high-net-worth clients. The firm uses third-party asset managers and maintains a tiered wrap fee structure for its services.

Eric Mcnamara is a financial advisor with Primerica Advisors in Bradenton, FL, holding Series 63 and Series 65 credentials and six years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2019 and previously worked at Lone Tree Inc. from 2001 to 2017. Outside of his advisory role, Mcnamara is involved with Bayside Community Church. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed account options. The firm curates third-party asset managers and offers a tiered wrap-fee structure rather than fixed fees.

Thomas Pool is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Primerica Advisors since 1986 and operates Thomas R Pool & Associates, LLC. Outside of his advisory work, he serves with El Paso County Elections. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-driven strategies and separately managed accounts primarily for individual and high-net-worth clients. The firm curates third-party asset managers and uses an exclusively percentage-based tiered wrap fee structure.

Vladimir Yerukhimovich is a financial advisor with Primerica Advisors in Beachwood, OH, holding a Series 63 designation and 29 years of industry experience. He has worked with Primerica Financial Services since 1994 and is currently associated with Primevision Financial Group and PFS Investments Inc. Outside of advisory services, he is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and discretionary separately managed accounts for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Joshua Matthews is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. He has been associated with PFS Investments, Inc. and Primerica Financial Services since 2010 and 2008, respectively. Besides his advisory role, he is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm uses primarily model-delivery strategies and discretionary management with support from BNY Mellon Advisors and Pershing, managing approximately $15.5 billion in assets across nearly 3,700 advisors.

Michael Adams is a financial advisor with Primerica Advisors based in Rochester, NY, holding Series 63 and Series 65 licenses and 13 years of industry experience. His career includes roles at PFS Investments Inc. and Primerica Financial Services, alongside work at Genesis Communication of Rochester and UPS. Outside of finance, he is an independent contractor involved with CNY Bubbleball in Hilton, NY. Primerica Advisors is a large institution with nearly 3,700 advisors and approximately $15.5 billion in assets under management, serving primarily individual investors as well as corporate and charitable clients. The firm offers a wrap-fee asset management program centered on model-delivery strategies developed by unaffiliated asset managers and supported by third-party custodians and overlay managers.