Jason Hawkes is a financial advisor with Primerica Advisors in New Bedford, MA, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has worked with PFS Investments Inc. since 2006 and Primerica Financial Services since 2004. Outside of advising, he is involved in the sale of home security and automation products through affiliated companies. Primerica Advisors manages 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 delivers advisory services using model-driven investment strategies supported by third-party managers and infrastructure providers.

Michael Mowad is a financial advisor with Primerica Advisors in Allentown, PA, holding Series 65 and Series 63 licenses and six years of industry experience. He has worked with Primerica Advisors and Primerica Financial Services since 2020 and also operates as an independent benefits advisor. In addition to his financial advisory role, he is involved in selling loan products and home security and automation 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 operates at scale with a model-driven investment approach supported by third-party asset managers and custodians.

Japheth Baker is a financial advisor with Primerica Advisors in Madison, WI, holding Series 63 and Series 65 licenses and with 15 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 2009. Outside of his advisory work, he manages Endure the Battle LLC, a mental health counseling business. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and a limited number of discretionary separately managed accounts primarily for individual and high-net-worth clients. The firm uses third-party asset managers and BNY Mellon Advisors for model implementation, operating a tiered wrap-fee structure and maintaining control over its investment models.

Thomas Welton is a financial advisor with Primerica Advisors in Mesa, AZ, holding Series 65 and Series 63 licenses and having 12 years of industry experience. He has worked at Primerica Financial Services and PFS Investments Inc. since 2013 and 2014, respectively, and previously served at the Department of Homeland Security from 2004 to 2017. Outside of advising, Welton is the owner of Welton & Associates, LLC, a legal entity formed for Primerica business purposes, and is involved in sales of home security, automation, and mortgage referral products through affiliated companies. 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 thousands of advisors and offices, delivering advisory services primarily through model-based strategies managed by unaffiliated asset managers.

Robert Clarkin is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and eight years of industry experience. He has worked at Primerica Advisors since 1999 and at Primerica Financial Services since 1996. Clarkin also served in the USAF Reserves at Scott AFB from 1988 to 2021. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, managing approximately $15.5 billion in assets. The firm delivers advisory services primarily through model-based strategies provided by unaffiliated asset managers, supported by custody and trade execution services from Pershing and BNY Mellon Advisors.

Denise Abog is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing eight years of industry experience. She has been with PFSI Investments Inc. since 2018 and Primerica Financial Services since 2010. Prior to her financial career, she worked with The Nature Conservancy for one year. In addition to her advisory role, she is involved in sales of loan products and home-related services through affiliates of Primerica. Primerica Advisors is a large institution serving primarily individual investors along with corporate and charitable clients. The firm provides a wrap-fee asset management program that relies on model portfolios created by unaffiliated asset managers, including strategies utilizing exchange-traded funds that invest in cryptocurrency.

Tanya Cook is a financial advisor with Primerica Advisors based in Vancouver, WA, holding Series 63 and Series 65 credentials and 18 years of industry experience. She has worked with PFS Investments Inc. and Primerica Financial Services since 2007 and is also affiliated with Cascade Athletic Clubs. Her other business activities include the sale of investment-related products and referral of home security and automation products through Primerica affiliates. Primerica Advisors is a large-scale advisory firm serving individual, corporate, and charitable clients through a wrap-fee asset management program. The firm primarily uses model-delivery strategies managed by unaffiliated asset managers and supports trading and custody through BNY Mellon Advisors and Pershing.

Ganga Khatiwada is a financial advisor with Primerica Advisors based in Harrisburg, PA, holding Series 63 and Series 65 credentials and having four years of industry experience. Prior to joining Primerica, Khatiwada served in the United States Navy and held positions at the Defense Logistics Agency, Veterans Health Administration, and United Parcel Services. Primerica Advisors sponsors a wrap-fee asset management program serving mainly 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 model-driven portfolio strategies, supported by third-party asset managers and custodians.

Emmanuel Rivera is a financial advisor with Primerica Advisors in Sunrise, FL, holding Series 65 and Series 63 licenses and 16 years of industry experience. His prior work includes roles at Rivera Family & Associates, Inc. and PFS Investments Inc. Rivera is also involved in businesses affiliated with PFS Investments Inc., including activities related to home security and loan product referrals. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors as well as corporate and charitable clients. The firm operates at scale, offering model-driven advisory services supported by third-party asset managers and notable custodial and trade execution partnerships.

Damon Butler is a financial advisor with Primerica Advisors in Atlanta, GA, holding Series 63 and Series 65 licenses and having 36 years of industry experience. He has been with Primerica Advisors since 1996 and concurrently works with the General Services Administration since 1991. Outside of financial advising, he is involved as an investor in a faith-based production company and is a partner in a meat and produce farming business in Georgia. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which features model-delivery strategies and selectively managed accounts tailored for individual and high-net-worth clients. The firm uses third-party asset managers and custodians like BNY Mellon Advisors and Pershing to implement its investment models within a wrap-fee structure.

Paula Carmichael is a financial advisor with Primerica Advisors in Dublin, OH, holding 10 years of industry experience. She has worked at PFS Investments Inc. since 2012 and Primerica Financial Services since 2010. In addition to her advisory roles, she is involved in real estate sales with The Devore Group Inc. in Ohio. 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 account options under a wrap-fee structure. The firm curates third-party asset managers and uses an independent due-diligence process to oversee portfolio management.

Kyle Roberts is a financial advisor with Primerica Advisors in Columbus, OH, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been associated with Primerica Advisors and Primerica Financial Services since 2001 and also works with Primevision Financial Group since 2018. In addition to investment advisory activities, he is involved in the sale of loan products and referral of home security and automation 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 uses a third-party due-diligence consultant and delegates trading responsibilities to BNY Mellon Advisors, employing a tiered wrap-fee structure and maintaining control over model management.

Eric Gilman is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and 18 years of industry experience. He has been with Primerica Advisors since 2007 and with Primerica Financial Services since 2006. Outside of his advisory role, he is involved in selling home security and automation products through a Primerica affiliate. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with a range of model-delivery strategies and separately managed account options under a wrap-fee structure. The firm curates third-party asset managers and utilizes independent due diligence and delegated trading through BNY Mellon Advisors.

Roxanne Samuels is a financial advisor with Primerica Advisors in Danbury, CT, holding Series 63 and Series 65 licenses and six years of industry experience. She has worked at PFS Investments Inc. since 2017 and Primerica Financial Services since 2019. Outside of her advisory work, she is the owner of Affluent Consulting LLC, an entity formed solely for business purposes related to Primerica. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients, with approximately 3,935 advisors and $15.5 billion in assets under management. The firm offers advisory services primarily through model-based portfolio strategies delivered by third-party asset managers and supported by custodial and trade execution services.

Manal Massoud is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 63 and Series 65 licenses and four years of industry experience. She has worked with Primerica Advisors and Primerica Financial Services since 2013. Outside of her advisory role, she owns Z & Z Enterprises Inc., a non-investment-related business. Primerica Advisors provides 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 curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Katsuko Yamabe is a financial advisor with Primerica Advisors in Cerritos, CA, holding Series 63 and Series 65 credentials and 25 years of industry experience. She has been with Primerica Advisors since 1999 and also works as a partner at Yamada & Nakata CPA, an accounting firm. In addition to her advisory role, she is involved in sales of loan products and home-related services referrals through affiliated companies. Primerica Advisors provides 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 uses third-party asset managers and offers a tiered wrap-fee structure rather than fixed fees.

Kerry Claflin is a financial advisor with Primerica Advisors in Middleboro, MA, holding Series 63 and Series 65 licenses and four years of industry experience. Prior to joining Primerica Advisors, Claflin worked at Merrill from 2020 to 2025 and Bank of America from 2012 to 2020. Outside of advisory work, Claflin is involved in the sale of loan products and home-related services through affiliated companies of Primerica. 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 to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure while maintaining oversight of its investment models.

Neal Zimmer is a financial advisor with Primerica Advisors in Sioux Falls, SD, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. His work history includes roles at PFS Investments Inc. and Primerica Financial Services, along with ownership of Zimmer Construction. He is involved in sales of loan products and home-related 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 account options under a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors.

Carol Parry is a financial advisor with Primerica Advisors in Milford, OH, holding 15 years of industry experience. She has worked with PFS Investments, Inc. since 2011 and Primerica Financial Services since 2010. In addition to advisory services, she 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 model-delivery strategies managed by unaffiliated asset managers and operates at scale with approximately 3,935 advisors and $15.5 billion in assets under management.

Gerardo Gonzalez is a financial advisor with Primerica Advisors in Pearland, TX, holding Series 65 and Series 63 licenses and nine years of industry experience. He has prior work experience with Universal Steel Productions and served 15 years in the U.S. Army. Outside of advisory work, he is involved in sales of loan products and home security and automation services through Primerica-affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily for individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers model-delivery investment strategies managed by unaffiliated asset managers, supported by discretionary separately managed accounts and custody services from BNY Mellon Advisors and Pershing.