EQUITY OFFERINGS
PRIMERICA
TAX MANAGED OFFERINGS
TAXABLE FIXED INCOME OFFERINGS
Primerica Advisors Lifetime Investment Program
Focused on the client’s investment needs: The Primerica Advisors Lifetime Investment Program is designed to enable advisors to assist clients in achieving goals throughout the client’s investing lifecycle. Advisors can assist clients through the accumulation, preservation and income distribution phases of their lives.
Access to professional asset managers: The program provides access to professional asset managers who have established track records in asset allocation and security selection using exchange traded funds, mutual funds, and individual stocks and bonds. Each asset manager is selected based upon the quality of their people, philosophy, process and performance.
Access to professional asset managers: The program provides access to professional asset managers who have established track records in asset allocation and security selection using exchange traded funds, mutual funds, and individual stocks and bonds. Each asset manager is selected based upon the quality of their people, philosophy, process and performance.
Lifetime Investment
Program Offers:
Asset managers chosen to help you solve needs across the investing cycle
Choices from investment models that stay fully invested in the market or go to cash in volatile markets
Income yield or income distribution options
Selections from strategic or tactical asset allocation or by using a combination of both types of asset allocation
The ability to implement your plan with models built using mutual funds, exchange traded funds (ETFs) and individual stocks and bonds
A range of fixed income asset class choices
The ability to use multiple managers and models in a single account
Your Success Is Our Focus
Primerica Advisors is committed to helping you throughout your investment lifecycle. Your Financial Advisor will work closely with you to help you develop and align your investment plan with your investing lifecycle needs. Our program allows you to receive assistance in identifying the appropriate asset managers and investments that are aligned with your risk tolerances and preferences. Our goal is to help you achieve your financial goals over time.
LIFETIME INVESTMENT PROGRAM
EQUITY OFFERINGS AND ASSET ALLOCATION MODELS
| Asset Managers | Founded / AUM Location |
Asset Allocation |
Investment Management Philosophy |
Investment Vehicle |
Models Available |
 |
1957 / $29.9b (’19) Toronto, Canada |
Strategic | The AGF team’s objective is to capture leading growth companies in every investment cycle. Every stock the team holds is a buy each day, or it is sold. AGF uses an opportunistic bottom-up approach with the front-end quantitative screens to identify high-quality, growth companies that can successfully generate sustainable, above-average revenues, earnings and cash flow. | Stocks | Global Select U.S. Large Cap Growth Equity U.S. Small-Mid Cap Growth Equity |
 |
1931 / $2.2T (‘22) Los Angeles, CA |
Strategic | The Capital SystemTM combines independent, high-conviction decision-making with the diversity that comes from multiple perspectives. It has delivered long-term results that help clients pursue their goals. | MF |
100%/80%/60%/40%/20% Equity Models |
 |
1980 / $7b Waukesha, WI |
Strategic | Dana Investments Advisors are a domestic manager focusing on bottom up fundamental and quantitative analysis and emphasizing relative valuation and downside. |
Stocks MF |
Catholic ESG Equity Social ESG Equity All Cap Equity ESG Asset Allocation Models Large Growth Large Value |
 |
1946 / $12.6T Boston, MA |
Strategic | Target Allocation Blended Models provide risk-adjusted total return across the risk spectrum and enhance total return through fund selection. These model portfolios are open-architecture with active and passive funds both from Fidelity and from third-party managers. Sector Equity Business Cycle tilts U.S. equity exposures based on shifts in the business cycle or manager discretion. |
ETF/ MF | 100%/85%/60%/40/10% Equity Models Sector Equity Business Cycle |
 |
1947 / $1.4T San Mateo, CA |
Strategic | Franklin Templeton Investment Solutions delivers disciplined and systematic solutions that address clients’ complex investment challenges. ClearBridge Investments is committed to long-term results through active management. Their investment process provides clients with equity-focused strategies. |
Franklin Templeton Investment Solutions: ETF MF ClearBridge: Stocks |
Franklin Templeton Investment Solutions: Franklin Small Cap Growth, Franklin Income SMA, Franklin Strategic Real Return ClearBridge: Multi Cap Growth, Divided Income Large Cap Growth Large Cap Value, Mid Cap |
 |
1995 / $6.2b Charlotte, NC |
Tactical | Horizon Investments is a global manager with focus on economic, fundamental and quantitative analysis. | ETF | Active Risk Assist Real Spend |
 |
1935 / $1.5T Atlanta, GA |
Strategic | Invesco focuses on long-term strategic asset allocation, diversification and risk adjustment. | Stocks/ ETF | Strategic Balanced ETF 60%/40%/20% Equity Models Strategic Focused ETF 100%/80%/60%/40%/20% Equity Models Diversified Dividend SMA |
 |
1995 / $11.3b Philadelphia, PA |
Strategic | BNY Mellon Advisors, Inc. is a global macromanager providing long-term strategic asset allocation and downside risk management. | ETF/MF | 100% Equity 80% / 60%/ 40%/ 20% Equity Models |
 |
1974 / $25b Columbus, OH |
Tactical | Meeder manages tactical strategies using a systematic, multi-disciplined and multi-factored approach to make data-driven allocation changes that focus on downside protection. | MF |
100%/ 80% / 60% / 40% / 20% Equity Models |
 |
2001 / $12.2b Chicago, IL |
Strategic | Morningstar focuses on valuation-driven asset allocation with a contrarian mindset, independent investment selection and holistic portfolio. | MF | 100% / 80% / 40% / 20% Equity Models Retirement Income Models |
 |
1968 / $4.8b Los Angeles, CA |
Strategic | Genter Capital Management manages with a bottom-up, value driven process focusing on qualified dividends. They seek to reduce volatility and downside risk relative to benchmark. | Stocks | Dividend Income Equity |
 |
1996 / $14.6b Austin, TX |
Tactical | Sage is a global macromanager providing fundamental, relative evaluation and technical analysis. | ETF | ESG Global Equity 100% / 80% / 40% / 20% Equity Models Multi Asset Income ESG Allocation Growth ESG Allocation Conservative |
- AGF
- Capital Group
- Dana Investments
- Franklin Templeton
- Horizon Investments
- Invesco
- BNY Mellon
- Meeder
- Moriningstar
- Genter Capital
- SAGE
|
| Founded / AUM Location |
| 1957 / $29.9b (’19) Toronto, Canada |
| Asset Allocation |
| Strategic |
| Investment Management Philosophy |
| The AGF team’s objective is to capture leading growth companies in every investment cycle. Every stock the team holds is a buy each day, or it is sold. AGF uses an opportunistic bottom-up approach with the front-end quantitative screens to identify high-quality, growth companies that can successfully generate sustainable, above-average revenues, earnings and cash flow. |
| Investment Vehicle |
| Stocks |
| Models Available |
| Global Select U.S. Large Cap Growth Equity U.S. Small-Mid Cap Growth Equity |
|
| Founded / AUM Location |
| 1931 / $2.2T (‘22) Los Angeles, CA |
| Asset Allocation |
| Strategic |
| Investment Management Philosophy |
| The Capital SystemTM combines independent, high-conviction decision-making with the diversity that comes from multiple perspectives. It has delivered long-term results that help clients pursue their goals. |
| Investment Vehicle |
| MF |
| Models Available |
| 100%/80%/60%/40%/20% Equity Models |
|
| Founded / AUM Location |
| 1980 / $7b Waukesha, WI |
| Asset Allocation |
| Strategic |
| Investment Management Philosophy |
| Dana Investments Advisors are a domestic manager focusing on bottom up fundamental and quantitative analysis and emphasizing relative valuation and downside. |
| Investment Vehicle |
| Stocks, MF |
| Models Available |
| Catholic ESG Equity Social ESG Equity All Cap Equity ESG Asset Allocation Models Large Growth Large Value |
|
| Founded / AUM Location |
| 1947 / $1.4T San Mateo, CA |
| Asset Allocation |
| Strategic |
| Investment Management Philosophy |
| Franklin Templeton Investment Solutions delivers disciplined and systematic solutions that address clients’ complex investment challenges. ClearBridge Investments is committed to long-term results through active management. Their investment process provides clients with equity-focused strategies. |
| Investment Vehicle |
| Franklin Templeton Investment Solutions: Franklin Small Cap Growth, Franklin Income SMA, Franklin Strategic Real Return ClearBridge: Multi Cap Growth, Divided Income Large Cap Growth Large Cap Value, Mid Cap |
| Models Available |
| Franklin Templeton Investment Solutions: Strategic Real Return ClearBridge: Multi Cap Growth, Divided Income |
|
| Founded / AUM Location |
| 1995 / $6.2b Charlotte, NC |
| Asset Allocation |
| Tactical |
| Investment Management Philosophy |
| Horizon Investments is a global manager with focus on economic, fundamental and quantitative analysis. |
| Investment Vehicle |
| ETF |
| Models Available |
| Active Risk Assist Real Spend |
|
| Founded / AUM Location |
| 1935 / $1.5T Atlanta, GA |
| Asset Allocation |
| Strategic |
| Investment Management Philosophy |
| Invesco focuses on long-term strategic asset allocation, diversification and risk adjustment. |
| Investment Vehicle |
| ETF |
| Models Available |
| Strategic Balanced ETF 60%/40%/20% Equity Models Strategic Focused ETF 100%/80%/60%/40%/20% Equity Models Diversified Dividend SMA |
|
| Founded / AUM Location |
| 1995 / $11.3b Philadelphia, PA |
| Asset Allocation |
| Strategic |
| Investment Management Philosophy |
| BNY Mellon Advisors, Inc. is a global macromanager providing long-term strategic asset allocation and downside risk management. |
| Investment Vehicle |
| ETF/MF |
| Models Available |
| 100% Equity 80% / 60%/ 40%/ 20% Equity Models |
|
| Founded / AUM Location |
| 1974 / $25b Columbus, OH |
| Asset Allocation |
| Tactical |
| Investment Management Philosophy |
| Meeder manages tactical strategies using a systematic, multi-disciplined and multi-factored approach to make data-driven allocation changes that focus on downside protection. |
| Investment Vehicle |
| MF |
| Models Available |
| 100% / 80% / 60% / 40% / 20% Equity Models |
|
| Founded / AUM Location |
| 2001 / $11.1b Chicago, IL |
| Asset Allocation |
| Strategic |
| Investment Management Philosophy |
| Morningstar focuses on valuation-driven asset allocation with a contrarian mindset, independent investment selection and holistic portfolio. |
| Investment Vehicle |
| MF |
| Models Available |
| 100% / 80% / 40% / 20% Equity Models Retirement Income Models |
|
| Founded / AUM Location |
| 1968 / $4.8b Los Angeles, CA |
| Asset Allocation |
| Strategic |
| Investment Management Philosophy |
| Genter Capital Management manages with a bottom-up, value driven process focusing on qualified dividends. They seek to reduce volatility and downside risk relative to benchmark. |
| Investment Vehicle |
| Stocks |
| Models Available |
| Dividend Income Equity |
|
| Founded / AUM Location |
| 1996 / $14.6b Austin, TX |
| Asset Allocation |
| Tactical |
| Investment Management Philosophy |
| Sage is a global macromanager providing fundamental, relative evaluation and technical analysis. |
| Investment Vehicle |
| ETF |
| Models Available |
| ESG Global Equity 100% / 80% / 40% / 20% Equity Models Multi Asset Income |
TAX MANAGED OFFERINGS
The below descriptions are the types of Tax-Managed Offerings Available. These offerings are available for Non-Qualified Account Registrations.
| Tax-Exempt | These strategies are focused on generating tax-exempt income through direct ownership of municipal bonds, or through ownership of Exchanged Traded Funds that hold municipal bonds. |
| Tax Aware | These strategies invest in mutual funds that seek to reduce capital gains tax exposure by limiting turnover of equity securities and reduce income taxes through municipal bond holdings. |
| Tax Loss Harvesting | Managers will actively monitor gains and losses associated with individual stocks and will harvest losses (sell) to offset gains and limit capital gains taxes. |
| Asset Managers | Founded / AUM Location |
Asset Allocation |
Investment Management Philosophy |
Investment Vehicle |
Models Available |
 |
1980 / $7b Waukesha, WI |
Tax Exempt / Strategic | This strategy seeks to deliver attractive tax-free income with a focus on managing both quality and duration risk. The team believes a well-diversified portfolio should contain high quality, tax-efficient, fixed income investments. This Municipal Bond ETF strategy is designed to deliver attractive after-tax yield while limiting portfolio volatility | ETF | Tax Exempt Municipal Bond ETF |
|
1947 / $1.4T San Mateo, CA |
Tax Exempt / Strategic | Western Asset Management focuses on long-term fundamental value investing that employs a top-down, bottom-up approach. Each of its products are supported by robust risk management and intensive proprietary research. | Bonds | Municipal Bond Ladders (CA and NY Specific Ladders Available) |
|
1995 / $11.3b Philadelphia, PA |
Tax Aware / Strategic | Each portfolio is constructed according to the macroeconomic outlook of BNY Mellon Advisors, Inc. This strategy seeks to generate risk-adjusted returns over a full market cycle. In order to achieve this, the strategy invests in diversified assets (via mutual funds and/or ETFs). | MF/ ETF | Tax Aware Asset Allocation Models |
|
1974 / $25b Columbus, OH |
Tax Loss Harvesting | Meeder Tax Managed Strategy is a customized managed account for each client’s personal goals with a focus on risk management, investment selection, and tax efficiency. | Stocks / Bonds | Tax Managed Asset Allocation Models |
 |
2001 / $12.2b Chicago, IL |
Tax Aware / Strategic | This portfolio seeks long-term capital appreciation through investments in domestic and foreign equities, and allocations to intermediate and corporate bonds. The portfolio will experience some level of volatility, but its fixed-income positions should provide it with a cushion in tough stock-market environments. This portfolio is designed for clients with at least a 10-15 year time horizon. | MF | Tax Sensitive Asset Allocation Models |
|
1968 / $4.8b Los Angeles, CA |
Strategic | Genter’s Muni Bond Ladder is focused on providing high quality municipal bonds. Genter uses a set of criteria for maturity and credit parameters to identify bonds worthy of investment. Instead of forecasting interest rate changes, Genter’s team selects individually strong credits with an advantageous balance of risk and reward. | Bonds | Municipal Bond Ladders (CA and NY Specific Ladders Available) |
|
1996 / $14.6b Austin, TX |
Tax Aware / Tactical | Sage’s fixed income solutions include both taxable and tax-exempt strategies that serve clients’ needs across the maturity spectrum. Sage also builds custom fixed income strategies designed to help our liability-focused clients efficiently accomplish their unique goals and objectives. | ETF | Tax Aware Multi Asset Income |
|
| Founded / AUM Location |
| 1980 / $7b Waukesha, WI |
| Asset Allocation |
| Tax Exempt / Strategic |
| Investment Management Philosophy |
| This strategy seeks to deliver attractive tax-free income with a focus on managing both quality and duration risk. The team believes a well-diversified portfolio should contain high quality, tax-efficient, fixed income investments. This Municipal Bond ETF strategy is designed to deliver attractive after-tax yield while limiting portfolio volatility. |
| Investment Vehicle |
| ETF |
| Models Available |
| Tax Exempt Municipal Bond ETF |
|
| Founded / AUM Location |
| 1947 / $1.4T San Mateo, CA |
| Asset Allocation |
| Strategic |
| Investment Management Philosophy |
| Western Asset Management focuses on long-term fundamental value investing that employs a top-down, bottom-up approach. Each of its products are supported by robust risk management and intensive proprietary research. |
| Investment Vehicle |
| Bonds |
| Models Available |
| Municipal Bond Ladders (CA and NY Specific Ladders Available) |
|
| Founded / AUM Location |
| 1935 / $1.5T Atlanta, GA |
| Asset Allocation |
| Strategic |
| Investment Management Philosophy |
| This strategy seeks to deliver an attractive yield by offering access to a diversified set of fixed income classes through a strategic allocation to core yield exchange traded funds. Smart Beta ETFs are one type of investment exposure used to deliver factor exposure. |
| Investment Vehicle |
| ETF |
| Models Available |
| Smart Beta Income |
|
| Founded / AUM Location |
| 1974 / $25b Columbus, OH |
| Asset Allocation |
| Tax Loss Harvesting |
| Investment Management Philosophy |
| Meeder Tax Managed Strategy is a customized managed account for each client’s personal goals with a focus on risk management, investment selection, and tax efficiency. |
| Investment Vehicle |
| Stocks / Bonds |
| Models Available |
| Tax Managed Asset Allocation Models |
|
| Founded / AUM Location |
| 2001 / $12.2b Chicago, IL |
| Asset Allocation |
| Tax Aware / Strategic |
| Investment Management Philosophy |
| This portfolio seeks long-term capital appreciation through investments in domestic and foreign equities, and allocations to intermediate and corporate bonds. The portfolio will experience some level of volatility, but its fixed-income positions should provide it with a cushion in tough stock-market environments. This portfolio is designed for clients with at least a 10-15 year time horizon. |
| Investment Vehicle |
| MF |
| Models Available |
| Tax Sensitive Asset Allocation Models |
|
| Founded / AUM Location |
| 1968 / $4.8b Los Angeles, CA |
| Asset Allocation |
| Tax Exempt / Strategic |
| Investment Management Philosophy |
| Genter’s Muni Bond Ladder is focused on providing high quality municipal bonds. Genter uses a set of criteria for maturity and credit parameters to identify bonds worthy of investment. Instead of forecasting interest rate changes, Genter’s team selects individually strong credits with an advantageous balance of risk and reward. |
| Investment Vehicle |
| Bonds |
| Models Available |
| Municipal Bond Ladders (CA and NY Specific Ladders Available) |
|
| Founded / AUM Location |
| 1968 / $4.8b Los Angeles, CA |
| Asset Allocation |
| Tax Exempt / Strategic |
| Investment Management Philosophy |
| Genter’s Muni Bond Ladder is focused on providing high quality municipal bonds. Genter uses a set of criteria for maturity and credit parameters to identify bonds worthy of investment. Instead of forecasting interest rate changes, Genter’s team selects individually strong credits with an advantageous balance of risk and reward. |
| Investment Vehicle |
| Bonds |
| Models Available |
| Municipal Bond Ladders (CA and NY Specific Ladders Available) |
|
| Founded / AUM Location |
| 1996 / $14.6b Austin, TX |
| Asset Allocation |
| Tactical |
| Investment Management Philosophy |
| Sage’s fixed income solutions include both taxable and tax-exempt strategies that serve clients’ needs across the maturity spectrum. Sage also builds custom fixed income strategies designed to help our clients efficiently accomplish their unique goals and objectives. |
| Investment Vehicle |
| ETF |
| Models Available |
| Tax Aware Multi Asset Income |
TAXABLE FIXED INCOME OFFERINGS
| Asset Managers | Founded / AUM Location |
Asset Allocation |
Investment Management Philosophy |
Investment Vehicle |
Models Available |
|
1931 / $2.2T (‘22) Los Angeles, CA |
Strategicc | The Capital SystemTM combines independent, high-conviction decision-making with the diversity that comes from multiple perspectives. It has delivered long-term results that help clients pursue their goals. | MF | Preservation Model |
|
1947 / $1.4T San Mateo, CA |
Strategic | Western Asset Management focuses on long-term fundamental value investing that employs a top-down, bottom-up approach. Each of its products are supported by robust risk management and intensive proprietary research. | Bonds | GSM7 |
 |
1935 / $1.5T Atlanta, GA |
Strategic | Invesco portfolios are designed using strategic long-term asset allocation. Offer a range of potential solutions to suit an investor’s risk profile and return objective. Maintain target risk levels while utilizing broad diversification. Diversified Dividend SMA is a dividend-focused SMA that emphasizes appreciation, income and preservation over a full market cycle. | ETF | Strategic Focused ETF Income Model |
|
1968 / $4.8b Los Angeles, CA |
Strategic | Genter’s TQI strategy is focused on providing high quality government and corporate bonds. Genter uses a set of criteria for maturity and credit parameters to identify bonds worthy of investment. Instead of forecasting interest rate changes, Genter’s team selects individually strong credits with an advantageous balance of risk and reward. | Bonds | Taxable Quality Intermediate |
|
1996 / $14.6b Austin, TX |
Tactical | Sage’s fixed income solutions include both taxable and tax-exempt strategies that serve clients’ needs across the maturity spectrum. Sage also builds custom fixed income strategies designed to help our liability-focused clients efficiently accomplish their unique goals and objectives. | ETF | ESG Core Plus Fixed Income Core Plus Fixed Multi Asset Income |
|
| Founded / AUM Location |
| 1931 / $2.2T (‘22) Los Angeles, CAI |
| Asset Allocation |
| Strategic |
| Investment Management Philosophy |
| he Capital SystemTM combines independent, high-conviction decision-making with the diversity that comes from multiple perspectives. It has delivered long-term results that help clients pursue their goals. |
| Investment Vehicle |
| MF |
| Models Available |
| Preservation Model |
|
| Founded / AUM Location |
| 1947 / $1.4T San Mateo, CA |
| Asset Allocation |
| Strategic |
| Investment Management Philosophy |
| Western Asset Management focuses on long-term fundamental value investing that employs a top-down, bottom-up approach. Each of its products are supported by robust risk management and intensive proprietary research. |
| Investment Vehicle |
| Bonds |
| Models Available |
| GSM7 |
|
| Founded / AUM Location |
| 1935 / $1.5T Atlanta, GA |
| Asset Allocation |
| Tax Loss Harvesting |
| Investment Management Philosophy |
| Invesco portfolios are designed using strategic long-term asset allocation. Offer a range of potential solutions to suit an investor’s risk profile and return objective. Maintain target risk levels while utilizing broad diversification. Diversified Dividend SMA is a dividend-focused SMA that emphasizes appreciation, income and preservation over a full market cycle. |
| Investment Vehicle |
| ETF |
| Models Available |
| Strategic Focused ETF Income Model |
|
| Founded / AUM Location |
| 1968 / $4.8b Los Angeles, CA |
| Asset Allocation |
| Strategic |
| Investment Management Philosophy |
| Genter’s TQI strategy is focused on providing high quality government and corporate bonds. Genter uses a set of criteria for maturity and credit parameters to identify bonds worthy of investment. Instead of forecasting interest rate changes, Genter’s team selects individually strong credits with an advantageous balance of risk and reward. |
| Investment Vehicle |
| Bonds |
| Models Available |
| Taxable Quality Intermediate |
|
| Founded / AUM Location |
| 1996 / $14.6b Austin, TX |
| Asset Allocation |
| Tactical |
| Investment Management Philosophy |
| Sage’s fixed income solutions include both taxable and tax-exempt strategies that serve clients’ needs across the maturity spectrum. Sage also builds custom fixed income strategies designed to help our clients efficiently accomplish their unique goals and objectives. |
| Investment Vehicle |
| ETF |
| Models Available |
| ESG Core Plus Fixed Income Core Plus Fixed Multi Asset Income |
PFS Investments Inc. (PFSI) offers brokerage and advisory services. Representatives do not have investment discretion over any client account or assets. For additional information about the products and services available from PFSI, including fees, expenses and the compensation received by PFSI and your representative, please review a copy of our Form CRS, Form ADV brochure and our informational brochure, Investing with Primerica, available from your representative and online at www.primerica.com/pfsidisclosures.
PFSI, 1 Primerica Parkway, Duluth, Georgia 30099-0001, registered broker-dealer and investment adviser, member of FINRA/SIPC. PFSI offers advisory services through and is the sponsor of the Primerica Advisors Lifetime Investment Program. Primerica Brokerage Services, Inc. (PBSI), member of FINRA/SIPC, is the provider of brokerage services for the Primerica Advisors Lifetime Investment Program. Representatives who offer advisory services are supervised persons of PFSI, and are not associated persons of PBSI. Primerica, Inc., PFSI and PBSI are affiliated companies.
The Lifetime Investment Program is an advisory program sponsored by PFSI under the name Primerica Advisors. For additional information about Primerica Advisors, please ask your representative for a copy of the Lifetime Investment Program Form ADV brochure.
Mutual funds, annuities, 529 plans, 401(k) plans and asset managers referenced above are made available through contractual relationships between PFSI and the product providers.
Before investing, you should carefully consider your financial objectives, and the risks, charges, fees and expenses associated with any investments you are considering. This and other important information can be found in the prospectus and the summary prospectus, if available. Please review prospectuses, sales literature and other disclosures carefully before investing. Prospectuses are available from your Primerica representative.
Primerica representatives are not estate planners, or tax advisors. For related advice, individuals should consult an appropriately licensed professional.
This material is for informational purposes only and should not be considered investment advice or a recommendation to buy, sell or hold a security.
Investing entails risk including loss of principal. Past performance is no guarantee of future results.
Diversification and asset allocation do not guarantee a profit or protect against a loss in declining markets.
