Mutual funds are an effective long-term savings vehicle. Mutual funds are a great way to "become an owner, not a loaner." They give average families access to an investment vehicle with access to professional asset management*.

Mutual Fund Providers:

• American Century Investments

• American Funds

• Invesco

• Fidelity Advisor Funds

• Franklin Templeton Investments

• Nuveen Funds

• Putnam Investments

The product providers referenced here offer products by contractual relationship with PFS Investments Inc, a subsidiary of Primerica Inc. They are not affiliated with Primerica Inc. or PFS Investments, Inc.

Investors should carefully consider the investment objectives, risks, charges, fees, and expenses of any mutual fund before investing. This and other important information can be found in the fund prospectus and or summary prospectus, which may be obtained from PFS Investments, or by calling the fund or by visiting the fund's website. Please read each fund's prospectus carefully before investing. Investing entails risk, including loss of principal. Mutual fund shares, when redeemed, may be worth more or less than their original value.

*Diversification does not guarantee a profit or protect against loss.

Clients investing through the Lifetime Investment Program work with a financial advisor to access a wide range of professionally managed portfolios. Your financial advisor will work with you to understand and develop your personal goals, time horizon, risk tolerance, and investing preferences. Using portfolios composed of stocks, bonds, mutual funds and/or exchange traded funds (ETFs), your advisor will then assist you in selecting professional asset manager(s) and portfolios(s) to help meet your investing needs. In a managed account, you can invest with confidence knowing that your financial advisor will be there to adjust your strategy as your needs change with time.

Asset Management Providers:

• AGF Investments

• BNY

• Fidelity

• Capital Group | American Funds

• Dana Investment Advisors

• Fidelity Investments

• Franklin Templeton

• Genter Capital Management

• Horizon Investments

• Invesco

• Meeder

• Morningstar

• Sage

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.

There are four kinds of annuities products: variable annuities, index-linked variable annuities, fixed annuities, and fixed indexed annunities:

• Variable annuities are long-term contracts between an individual and an insurance company. Variable annuities contain both investment and insurance features and are designed specifically for retirement.

• Index-linked variable annuities track the rise and fall of the share prices of stocks included in an index, such as the S&P 500, but do not include dividends paid by those stocks.

• Fixed annuities are long-term contracts between an individual and an insurance company. Fixed annuities provide a fixed rate of return that is guaranteed by the issuing company.

• A fixed indexed annuity is a long-term contract between an individual and an insurance company. Fixed index annuities provide a higher rate of return than a fixed annuity, but the return is not guaranteed.

Annuity Providers:

• Brighthouse Financial

• Corebridge FinancialEquitable

• Lincoln Financial

Investments in annuities are not FDIC insured or bank-guaranteed and may lose value. Guarantees offered in fixed annuities are subject to the claims paying ability of the issuing insurance company. Variable annuities are sold through PFS Investments Inc. and are subject to market risk, including the possible loss of principal.

Variable annuities are sold by prospectus only.

All investments are subject to risk, including the loss of principal. It is important to remember that there are risks inherent in any investment and that there is no assurance that any money manager, mutual fund, asset class, style, or index will provide positive performance over time.

Investors should carefully consider the investment objectives, risks, charges, fees, and expenses before investing. This and other important information can be found in the product prospectus and/or summary prospectus, which may be obtained by calling the product provider or visiting the product provider's website.

401(k), 403(b) and 457(b) plan offerings are individual and employer-sponsored retirement plans that grant employees the opportunity to contribute a portion of their salary on a tax-deferred basis into investment vehicles, such as mutual funds and annuities.

401(k) Providers:

• ADP

• American Funds

• TruStage

• Empower

• Equitable

• Fidelity Advisors

• Paychex

• PCS Retirement

• July Services

• Voya

403(b) Providers (K-12 schools, colleges, churches, hospitals, etc.):

• Aspire

• Equitable

• Any of our approved mutual fund partners that have been approved as an investment option in a non-ERISA 403(b)7 plan

457(b) Providers:

• Aspire

• Equitable

• PCS Retirement

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.

529 Plans for tax-advantaged investment accounts designed for education savings. 529 Plan accounts offer tax-free withdrawals and other benefits when used to pay for qualified education expenses. You can use a 529 Plan to pay for college, K-12 tuition, apprenticeship programs, and even student loan repayments. Any leftover funds can be used in different ways, including funding a Roth IRA.

529 Plan Providers:

• American Funds – College America 529 Savings Plan – Virginia

• Fidelity Advisors – Fidelity Advisor 529 Plan – New Hampshire

• Franklin Templeton – 529 College Savings Plan – New Jersey

• Invesco–CollegeBound 529 – Rhode Island

• J.P. Morgan Asset Management – New York's 529 Advisor Guided College Savings Program – New York

• Nuveen – Scholars Choice College Savings Program – Colorado