Ormond Beach, FL W Granada Blvd Office

Minesh Baxi is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and bringing 14 years of industry experience. He has worked with PFS Investments Inc. since 2011 and Primerica Financial Services since 2010. Outside of advising, Baxi is a professional speaker, author, and business coach, running Minesh Baxi & Associates LLC, where he conducts seminars and coaching programs for business owners. He has authored several books and contributes to business and economic publications. Primerica Advisors sponsors and manages 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 offers advisory services through a large network of advisors using model-based investment strategies developed by third-party asset managers.

Jaclyn Hall is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 credentials and 19 years of industry experience. She has been with Primerica since 2005, working in advisory and financial services roles. Outside of her advisory activities, she is involved with Primerica Mortgage and Primerica Client Services, handling referrals for home security and automation products. Primerica Advisors manages a wrap-fee asset management program serving individual investors, as well as corporate and charitable clients. The firm employs model-driven strategies provided by unaffiliated asset managers and supports clients through a large network of advisors and offices.

Dina Maru is a financial advisor with Primerica Advisors in Ormond Beach, FL, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. She has been associated with PFS Investments Inc. since 2012 and Primerica Financial Services since 2011. Outside of advisory roles, she is a partner in a land surveying business where she manages accounting operations. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and select separately managed account options in a wrap-fee structure. The firm curates third-party asset managers, using an independent due-diligence process and delegates trading to BNY Mellon Advisors.

James Morton is a financial advisor with Primerica Advisors in Ormond Beach, FL, holding Series 63 and Series 65 credentials and 28 years of industry experience. He has been associated with Primerica in various capacities since 1997 and owns Morton Schools, which offers insurance pre-licensing and continuing education, including sales through TikTok Shop affiliates. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and a limited number of separately managed account options. The firm curates third-party asset managers and offers a tiered wrap-fee structure rather than fixed fees.

Guadalupe Ponciano is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She has been with Primerica Advisors since 1997 and Primerica Financial Services since 1996. In addition to her advisory role, she is involved in sales of loan products and home security referrals 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 under a wrap-fee structure. The firm curates third-party asset managers and delegates trading to BNY Mellon Advisors, focusing on percentage-based tiered fees and ongoing oversight of potential conflicts.

Raymond Krutz is a financial advisor with Primerica Advisors in Ormond Beach, FL, holding Series 63 and Series 65 licenses and possessing 45 years of industry experience. He has been with Primerica Financial Services since 1980 and Primerica Advisors since 1998. Outside of his advisory role, he is involved in the sale of home security and automation products through a Primerica affiliate. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and selected discretionary separately managed accounts primarily for individual and high-net-worth clients. The firm employs third-party asset managers and maintains a tiered wrap-fee structure, focusing on curated investment models rather than institutional plan management.