Michael Hestness is a financial advisor at Primerica Advisors with 12 years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at PFS Investments Inc., Northrop Grumman, and Lockheed Martin. Outside of his advisory role, he is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm delivers advisory services primarily through model-driven strategies and supports trade execution and custody with third-party providers.

Douglas Mabey is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 2003, and has prior engineering experience at Spectrum Engineers and Lynk Engineers. He also receives compensation from affiliated companies for the sale of loan products and home-related service referrals. Primerica Advisors manages a wrap-fee asset management program serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, along with corporate and charitable clients. The firm delivers advisory services through a large network of advisors using model-based investment strategies managed by unaffiliated asset managers.

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.

Earl Kerns is a financial advisor with Primerica Advisors in Bountiful, UT, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has been associated with PFS Investments, Inc. since 2007 and with Primerica Financial Services since 1984. Outside of his advisory role, he has worked as a forester with the USDA Forest Service. Primerica Advisors provides 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 uses a tiered wrap fee structure, delegating trading responsibilities to BNY Mellon 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.

Linda Geary is a financial advisor with Primerica Advisors in Bountiful, UT, holding Series 63 and Series 65 credentials and 15 years of industry experience. She has worked with PFS Investments Inc. since 2011 and Primerica Financial Services since 2010. Outside of her advisory role, she manages rental properties through entities she owns. 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 curates third-party asset managers and provides a tiered wrap-fee structure, focusing on retail investors rather than institutional or pension plans.

Brian Hughes is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and bringing 15 years of industry experience. His work history includes roles at Diebold Nixdorf, Western States Lodging, 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 separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap-fee structure for its services.