Julianne Nelson is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and having two years of industry experience. She has worked with PFS Investments Inc. since 2024 and Primerica Financial Services since 2023. Outside of her advisory roles, she is involved in sales 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 relies on model-delivery strategies managed by unaffiliated asset managers and provides advisory services through a large network of financial advisors.

Rita Heagren is a financial advisor with Primerica Advisors in Bountiful, UT, holding Series 63 and Series 65 credentials and 13 years of industry experience. Her career includes roles at Osher and PFS Investments Inc., alongside a long tenure with Primerica Financial Services and extensive experience in the Granite School District. Outside of finance, she owns DK Creatives, LLC, a photography and woodworking business, and RGH Bookkeeping. 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 offers a tiered wrap-fee structure, focusing on personalized portfolio management rather than institutional pension or profit-sharing plans.

Leonard Kucinski is a financial advisor with Primerica Advisors in Seminole, FL, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He has been with Primerica Advisors since 1991 and with Primerica Financial Services since 1990. Outside of advisory services, he is involved in sales of loan products and home-related services through Primerica affiliates. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and selectively managed accounts primarily to individual and high-net-worth clients. The firm uses third-party asset managers and maintains a tiered wrap-fee structure with an operational model focused on curated investment solutions rather than institutional plan management.

Jessie Morgan is a financial advisor with Primerica Advisors in Ocala, FL, holding Series 63 and Series 65 licenses and four years of industry experience. Prior to joining Primerica Advisors, Jessie worked at PFS Investments Inc. and held various roles in the automotive industry from 2016 to 2021. Primerica Advisors serves individual investors, corporate, and charitable clients through a wrap-fee asset management program that primarily relies on model-based investment strategies managed by unaffiliated asset managers. The firm operates nationally with thousands of advisors and offices, focusing on delivering advisory services through client information gathering and model recommendations.

Lunise Casimir Dufrene is a financial advisor with Primerica Advisors in Jacksonville, FL, holding Series 63 and Series 65 licenses and having 12 years of industry experience. She has worked with PFS Investments Inc. since 2014 and Primerica Financial Services since 2010. Outside of her advisory role, she is a member of Nisee & Nisee, LLC, a non-investment-related business. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and a limited number of discretionary separately managed accounts. The firm curates third-party asset managers and uses an independent due-diligence process, with a tiered wrap-fee structure distinguishing its operational model.

Gerard Brass is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and having 10 years of industry experience. He has worked with Primerica Advisors and Primerica Financial Services since 2016 and has prior experience at Meredith Lodging and Eastridge Workforce Solutions. Outside of advisory work, he is involved with Translations Galore LLC, a business he has operated since 2011. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm delivers model-based investment strategies managed by unaffiliated asset managers and supports trade execution and custody through third-party providers.

Amanda Whitmore is a financial advisor with Primerica Advisors in Troy, MI, holding Series 65 and Series 63 credentials and eight years of industry experience. Her prior work includes roles at Shipt and NBS Commercial Interiors, alongside long-term positions with PFS Investments Inc. and Primerica Financial Services. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual investors, corporate, and charitable clients through a large network of advisors. The firm employs model-delivery strategies developed by unaffiliated asset managers and offers advisory services primarily to non-institutional clients.

Arunthavarani Thiyagarajah is a financial advisor with Primerica Advisors in Metairie, LA, holding Series 65 and Series 63 credentials and 12 years of industry experience. She has been with Primerica Advisors since 2013 and concurrently owns Art Business Services, LLC, a tax preparation business. Primerica Advisors provides a wrap-fee asset management program primarily serving individual investors, as well as corporate and charitable clients, employing model-delivery strategies managed by unaffiliated asset managers and supported by custodial services through Pershing.

Oluwatoni Esinsinade is a financial advisor with Primerica Advisors, holding a Series 63 designation and 12 years of industry experience. He has been with Primerica Advisors since 2014 and Primerica Financial Services since 2013. Outside of his advisory role, he is CEO of Chief Cornerstone Associates, LLC, a non-investment-related business that provides tax filing services for Primerica businesses. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with thousands of advisors and offices, offering model-driven investment strategies supported by third-party asset managers and custodial services.

Joseph Barton is a financial advisor at Primerica Advisors with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Primerica Advisors since 2014. Outside of advisory work, he is involved in sales of loan products and home security services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients, utilizing model-delivery strategies from unaffiliated asset managers and supported by BNY Mellon Advisors and Pershing for trade execution and custody.

Cherie Walker is a financial advisor with Primerica Advisors in Dublin, OH, holding 10 years of industry experience. She has worked at multiple firms including PFS Investments Inc. and Primerica Financial Services since 2012. Outside of her advisory role, she is involved in sales of non-investment related home security and automation products through affiliates of her firm. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable entities. The firm employs model-delivery strategies managed by unaffiliated asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Harold Latortue is a financial advisor with Primerica Advisors in West Palm Beach, FL, holding Series 63 and Series 65 licenses and having two years of industry experience. He previously worked at Bain Consulting for five years and has been the owner of Flatortue LLC since 2017. His other business activities include involvement with Primerica Mortgage and Primerica Client Services in non-investment related product sales. 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, with an operational model that curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors.

Robyn Urig is a financial advisor with Primerica Advisors in Springdale, OH, holding a Series 63 designation and nine years of industry experience. She has worked with multiple firms including Torchlight Financial Group and PFS Investments Inc. Outside of investment advising, she is involved in sales of home security and automation products through affiliated companies. Primerica Advisors provides discretionary asset management services primarily through its Lifetime Investment Program, which offers model-driven strategies and separately managed accounts to individual and high-net-worth clients under a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors while maintaining oversight of model offerings.

Michael Beckett is a financial advisor with Primerica Advisors in Brandon, VT, holding Series 65 and Series 63 licenses and having nine years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2017 and also maintains a thirty-year tenure with IBM. 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 sponsors a wrap-fee asset management program primarily serving individual investors, as well as corporate and charitable clients. The firm employs model-delivery strategies managed by unaffiliated asset managers and supports accounts with custodial services from Pershing.

Cynthia Aber is a financial advisor at Primerica Advisors with 27 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Primerica Advisors since 1998. Outside of her advisory role, she owns Beanies & Booties, a business based in Lisle, Illinois. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which features model-delivery strategies and a selection of separately managed accounts for individual and high-net-worth clients. The firm focuses on curated third-party asset managers and employs a tiered wrap fee structure rather than fixed fees.

William Spiegel Jr. is a financial advisor at Primerica Advisors with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Primerica Advisors since 1996. Outside of his advisory role, he serves on the board of the Wekiva Center Association in Apopka, Florida. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering 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 for its services.

Johnathon Larreau is a financial advisor with Primerica Advisors in Lincoln, NE, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has been with Primerica Advisors since 2003 and Primerica Financial Services since 2002. Outside of advisory work, he is involved in the sale of home security and automation products through affiliated companies and operates Larreau, Inc., a legal entity formed for Primerica business purposes. 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 account options. The firm emphasizes a tiered wrap-fee structure and curates third-party asset managers while delegating trading responsibilities to BNY Mellon Advisors.

John Hemken is a financial advisor with Primerica Advisors in Gainesville, FL, holding Series 63 and Series 65 licenses and having 10 years of industry experience. He has worked at PFS Investments Inc. and Primerica Financial Services since 2015, with a brief tenure at Initiative One. Outside of advising, he is the founder and owner of Hemken Enterprises, LLC. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which provides model-delivery strategies and a limited number of discretionary separately managed accounts to individual and high-net-worth clients under a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, using a tiered, percentage-based fee model.

David Harvey is a financial advisor with Primerica Advisors in West Chester, OH, holding a Series 63 designation and 42 years of industry experience. He has been with Primerica Financial Services and Primerica Advisors since 1984. Outside of advisory services, he is involved in sales of loan products as well as home security and automation product referrals through affiliated companies. Primerica Advisors is a large firm that primarily serves individual investors, including high-net-worth clients, as well as corporate and charitable clients. The firm offers a wrap-fee asset management program relying mainly on model-driven strategies created by third-party asset managers, supported by custodial and trade execution services from Pershing and BNY Mellon Advisors.

James Palazzolo is a financial advisor with Primerica Advisors in Burbank, CA, holding Series 63 and Series 65 credentials and possessing 32 years of industry experience. He has worked at Primerica Advisors and Primerica Financial Services since 1993. Outside of advising, 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 discretionary separately managed accounts. The firm uses third-party asset managers and emphasizes a tiered wrap-fee structure while maintaining oversight of its investment models.