Ronald Sciandra is a financial advisor with Primerica Advisors in Amherst, NY, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Primerica Advisors since 1993 and previously worked with the Mid-Atlantic District Exchange and Erie-Niagara Sunrise Exchange. Outside of advisory services, he is involved in sales of loan products and referrals for home security and automation services through affiliates of Primerica. 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 primarily uses model-based strategies managed by unaffiliated asset managers and supported by custodial and trade execution services from Pershing.

Alfred Leto is a financial advisor with Primerica Advisors in Amherst, NY, holding a Series 63 designation and 23 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 2001. In addition to his advisory role, he is involved in the sale of non-investment related products such as home security and automation through affiliated companies. Primerica Advisors provides discretionary asset management primarily to individual and high-net-worth clients through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of separately managed account options. The firm employs third-party asset managers and uses a tiered wrap fee structure distinct from fixed-fee billing.

Edward Eagen is a financial advisor with Primerica Advisors based in Amherst, NY, holding a Series 63 designation and 25 years of industry experience. He has been with Primerica Advisors since 2000 and has prior work experience with Computer People Staffing, Graphic Controls Corp., and Nissha Medical Technologies. In addition to his advisory role, he is involved in the sale of home security and automation products through an affiliate of Primerica. Primerica Advisors provides discretionary asset management primarily to individual and high-net-worth clients through its Lifetime Investment Program, which features model-delivery strategies and a limited number of separately managed accounts under a wrap-fee structure. The firm curates third-party asset managers and uses BNY Mellon Advisors for model implementation and trade execution.

Lorraine Carson is a financial advisor with Primerica Advisors in Amherst, NY, holding a Series 63 designation and 10 years of industry experience. Her career includes roles at Primerica Financial Services and PFS Investments Inc., along with prior employment at National Fuel Gas. She is involved with Ken-Ton Meals On Wheels since 2023. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-based strategies and selectively managed accounts. The firm uses third-party asset managers and a wrap-fee structure, focusing on curated model portfolios rather than institutional plan management.

Kay Czechowski is a financial advisor with Primerica Advisors, holding a Series 63 designation and over 31 years of industry experience. She has worked at Primerica Advisors and Primerica Financial Services since 1994 and has prior experience with Nbl/Pfsu and Maintenance & Management Associates, Inc. In addition to advisory services, 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 account options. The firm uses third-party asset managers and offers a tiered wrap-fee structure with ongoing oversight of its investment models.

Lisa Monpere Cruz is a financial advisor with Primerica Advisors in Amherst, NY, holding a Series 63 designation and 14 years of industry experience. She has worked with PFS Investments Inc. since 2012 and has been involved in entrepreneurial ventures including executive pen sales and internet affiliate marketing. Cruz has also served on the faculty at the University at Buffalo since 1986. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which provides model-delivery strategies and a limited selection of separately managed accounts for individual and high-net-worth clients. The firm curates third-party asset managers and uses a wrap-fee structure with various investment models implemented through BNY Mellon Advisors.

Joseph Andrade is a financial advisor with Primerica Advisors in Amherst, NY, holding a Series 63 designation and 25 years of industry experience. His career includes roles at Crossmark and longstanding positions at PFS Investments Inc. and Primerica Financial Services. Outside of advisory work, 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 discretionary separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap-fee structure for its services.

George Boller is a financial advisor with Primerica Advisors, holding a Series 63 designation and bringing 29 years of industry experience. He has been associated with Primerica Financial Services since 1993 and is involved in various business activities including roles with America Legion Post 567 and Fedeson Commercial Heating. Boller also participates in community leadership as a committee chairman. 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 third-party asset managers and a tiered wrap fee structure, focusing on curated investment models rather than institutional pension or profit-sharing plan management.

Jason Reitmeier is a financial advisor with Primerica Advisors in Amherst, NY, holding a Series 63 designation and 28 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1997 and also works at Western New York Bank Equipment. Outside of his advisory role, he is involved in sales of investment-related products and receives compensation for referrals related to home security and automation products 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. The firm uses third-party asset managers and an independent due-diligence process, providing a tiered wrap-fee structure and maintaining oversight of its investment models.

Thomas Huebsch Jr. is a financial advisor at Primerica Advisors with 18 years of industry experience. He holds a Series 63 designation and has worked with Primerica Financial Services and PFS Investments Inc. since 2006 and 2007, respectively. Outside of finance, he is involved with the Major Arena Soccer League since 2025. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which serves individual and high-net-worth clients with model-delivery strategies and selectively managed account options under a wrap-fee structure. The firm utilizes third-party asset managers and implements models via BNY Mellon Advisors, focusing on percentage-based fees and ongoing oversight.