PFS INVESTMENTS INC. AND PRIMERICA BROKERAGE SERVICES, INC. DISCLOSURES


PFS INVESTMENTS INC.- General Disclosures

PFS Investments Inc. is dually registered as a broker-dealer with the Securities and Exchange Commission (SEC) and the Financial Industry Regulatory Authority (FINRA) (PFSI), and as an SEC-registered investment advisor doing business under the trade name "Primerica Advisors". PFSI offers mutual funds, variable annuities, college savings plans and employer-sponsored retirement plans to the saving and investing public. Primerica Advisors offers a managed account wrap fee program marketed as the Lifetime Investment Program.

The materials below provide important information about PFSI's brokerage services and Primerica Advisor's advisory services, including the investment products available to you, the different features and costs of those products, how we are compensated when you invest, and our conflicts of interest. We hope that you will review these materials carefully.

Primerica Advisors Customer Relationship Summary Form CRS Opens in a new window
This summary provides information about the key features, available products, differences between, and conflicts associated with our brokerage and advisory businesses.

Investing With Primerica (Regulation Best Interest Disclosures) Opens in a new window
This brochure contains more detailed, but still easy to read, descriptions of the investment products and services offered through our brokerage and advisory businesses, including important information about the features of the investment products we offer, the costs associated with investing, the compensation we receive, and our conflicts of interest.

Thinking About Moving Your Retirement Savings? Opens in a new window
This educational brochure is an important resource for investors considering moving their employer retirement savings or transferring an IRA account to PFSI or Primerica Advisors. This brochure discusses the options available to you and factors that should be carefully considered before making the decision to rollover your retirement savings.

PFSI – Brokerage

Mutual Funds Opens in a new window
Visit this link to see a list of the Platform Funds, mutual fund families for which PFSI's affiliate Primerica Shareholder Services provides transfer agent and shareholder services.

Annuities Opens in a new window
Visit this link to see a list of the variable, index-linked variable, and fixed indexed annuity products offered through PFSI and Primerica Financial Services LLC, as well as information on the expenses of these products, surrender periods, and commissions earned by PFSI representatives on sales.

Revenue Sharing Opens in a new window
Visit this link to learn more about the revenue sharing payments PFSI receives from the sponsors of investment products we offer.

PFSI Brokerage Agreements

PRIMERICA ADVISORS - Advisory

The Primerica Advisors Form ADV brochure and Lifetime Investment Program advisory agreement are available below.

Primerica Advisors Form ADV Wrap Fee Program Brochure Opens in a new window
This brochure provides you with important information on the Primerica Advisors Lifetime Investment Program, including the services offered, fees, conflicts and account requirements.

Primerica Advisors Lifetime Investment Program Advisory Agreement Opens in a new window

PRIMERICA BROKERAGE SERVICES INC.

Primerica Brokerage Services Inc. (PBSI) is a broker-dealer registered with the Securities and Exchange Commission (SEC) and the Financial Industry Regulatory Authority (FINRA). PBSI is the introducing broker-dealer for accounts managed through the Primerica Advisors Lifetime Investment Program. Pershing LLC (Pershing), member FINRA and SIPC, is the custodian of assets and executes, clears and settles securities transactions in your account pursuant to a clearing agreement with PBSI.

The materials below provide important information about PBSI's services, and conflicts of interest. We hope that you will review these materials carefully.

PBSI Customer Relationship Summary Form CRS Opens in a new window
The Customer Relationship Summary provides you with a clear and easy to read summary of PBSI's services and conflicts. Only customers who invest in the Lifetime Investment Program are eligible to open an account at Primerica Brokerage Services Inc.

PBSI Client Agreement Opens in a new window

PBSI (Ancillary Fee's and Non-Program Accounts) Opens in a new window

Please see the Primerica Advisors Form ADV Wrap Fee Program Brochure for information about Non-Program Accounts.

Order Routing Disclosure

SEC Rule 606 requires broker-dealers that route orders in certain equity and option securities to make available quarterly reports that present a general overview of their routing practices.

Primerica Brokerage Services Inc. routes 100% of its SEC 606-covered securities to its clearing broker, Pershing LLC, for routing and execution. Primerica Brokerage Services Inc. does not receive compensation for directing order flow to Pershing LLC. Pershing LLC receives compensation for directing a portion of the order flow. Pershing LLC's affiliate, BNY Mellon Capital Markets, may act as principal when an order is routed to its market making desk.

To view Primerica Brokerage Services Inc.'s order execution detail reports please click here. Enter PRIMERICA BROKERAGE SERVICES INC. to display the reports.

Pershing Custodial Agreements

Contact Us
Contact us at 1-800-544-5445 to obtain more information about or assistance with your investments. We appreciate the opportunity to assist you and look forward to hearing from you. For more information on our Business Continuity Plan, information on preventing financial exploitation, and other important Primerica Disclosures, please visit www.primerica.com/public/primerica_disclosures.html