Jeffrey Depoian is a financial advisor at Primerica Advisors in Rochester, NY, holding Series 63 and Series 65 licenses with 26 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2000. Outside of his advisory role, he spends a small portion of time referring home security and automation products as well as loan products through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-delivery strategies managed by unaffiliated asset managers and offers discretionary separately managed accounts with trade execution and custody support from BNY Mellon Advisors and Pershing.

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.

Connor Stein is a financial advisor with Primerica Advisors in Rochester, NY, holding Series 63 and Series 66 credentials and two years of industry experience. His prior work includes roles at Equitable Advisors, LLC, and various positions outside finance. He also consults part-time for Swiech Consulting LLC, providing tax strategy services. Primerica Advisors sponsors and manages a wrap-fee asset management program primarily serving individual, corporate, and charitable clients. The firm uses model-delivery investment strategies developed by unaffiliated asset managers and provides advisory services through a large network of advisors.

Ann Marie Depoian is a financial advisor with Primerica Advisors in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. She has worked at PFS Investments Inc. since 2003 and Primerica Financial Services since 2001. In addition to her advisory role, she 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, 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, delegating trading to BNY Mellon Advisors and custody to Pershing and Primerica Brokerage Services.

Ruth Banegas is a financial advisor with Primerica Advisors, holding a Series 63 designation and possessing 10 years of industry experience. She has worked with PFS Investments Inc. since 2016 and with Primerica Financial Services since 2015. Outside of her advisory role, she is involved in sales of loan products and home-related services referrals through affiliated companies. Primerica Advisors sponsors 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 operates at scale with thousands of advisors and offices, offering model-based investment strategies managed by unaffiliated asset managers and supported by established custodians and overlay managers.

Gregory Byrd is a financial advisor with Primerica Advisors in Rochester, NY, holding Series 65 and Series 66 credentials and 21 years of industry experience. He has worked at Primerica Financial Services since 2006 and has been associated with PFS Investments Inc. since 2008 and Jordan Health from 2009 to 2026. In addition to his advisory role, Byrd engages in sales of investment-related and home-related products through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-delivery strategies managed by third-party asset managers and provides advisory services mainly to individual investors rather than institutional clients.

Timothy Cortina is a financial advisor with Primerica Advisors in Rochester, NY, holding a Series 63 designation and 11 years of industry experience. He has been associated with PFS Investments Inc. and Primerica Financial Services since 2015, and previously worked at Paychex for 21 years. Outside of advisory services, he 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 uses model-driven investment strategies managed by third parties and supports a broad range of clients through a large network of advisors.