Lyndhurst, NJ Office

Andrew Rice is a financial advisor at Primerica Advisors with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has concurrently worked in education, real estate, and tutoring roles for over a decade. Outside of financial advising, he is involved in tutoring and real estate as a Realtor Associate, and he also drives for Lyft. 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 relies on model-driven strategies managed by third-party asset managers.

Nigel Richards is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and four years of industry experience. His work history includes roles at PFS Investments Inc. and Primerica Financial Services. Outside of his advisory work, he is involved with Lava Alternatives LLC, a non-investment related business based in New Jersey. 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 entities. The firm offers model-driven investment strategies supported by third-party asset managers and custodial services through Pershing.

Ralph Latesta Jr. is a financial advisor with Primerica Advisors in Wood Ridge, NJ, holding Series 63 and Series 65 credentials and having 27 years of industry experience. He has been with Primerica Advisors since 1999 and Primerica Financial Services since 1998. Outside of his advisory role, he owns Believe & Achieve (DBA The Powered Mind), a company focused on providing mental performance training for athletes and teams. 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, with portfolio implementation delegated to BNY Mellon Advisors.

Steven Kanoc is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Primerica Advisors since 1992 and with Primerica Financial Services since 1989. Outside of his advisory role, he serves as Vice President of Integrity Management Services, LLC, a legal entity formed for Primerica business purposes. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, focusing on individual and high-net-worth clients with model-delivery strategies and limited separately managed account options. The firm curates third-party asset managers and uses a tiered wrap-fee structure rather than fixed fees.