PFS INVESTMENTS INC.- General Disclosures

PFS Investments Inc. (PFSI) is dually registered as a broker-dealer with the Securities and Exchange Commission (SEC) and the Financial Industry Regulatory Authority (FINRA), 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 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.

PFSI / Primerica Advisors Customer Relationship Summary Form CRS

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)

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?

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

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

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

Visit this link to learn more about the revenue sharing payments PFSI receives from the sponsors of investment products we offer.

PFSI Brokerage Agreements

PFSI Mutual Fund Client Agreement (Web Turbo Application)

PFSI Custodial Agreement and IRS Disclosure Statement (Traditional and Roth IRA)

PFSI Custodial Agreement and IRS Disclosure Statement (SEP IRA)

PFSI Custodial Agreement (SIMPLE IRA)

PFSI Custodial Agreement and IRS Disclosure Statement (403 (b))

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

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

PBSI (Ancillary Fee's and Non-Program Accounts)

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

Pershing Custodial Agreements

Pershing Custodial Agreement and IRS Disclosure Statement (Roth 401K IRA)

Pershing Custodial Agreement and IRS Disclosure Statement (Traditional IRA)

Pershing Custodial Agreement (403 (b))

Pershing Custodial Agreement (Simple IRA)

Pershing Inherited Custodial Agreement (Traditional 401k IRA )

Pershing Inherited Custodial Agreement (Roth 401k IRA)

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Disclosure
The individuals identified as Stewardship Financial Group are affiliated with Primerica, and offer products and services through Primerica subsidiaries, including Primerica Life Insurance Company and PFS Investments Inc.
A Primerica representative’s ability to offer products and services is based on the licenses held by the individual, and the states in which the individual is registered. Not all representatives are authorized to sell all products and services. For additional information about a representative, including licenses and state registrations, please visit www.BrokerCheck.com.
PFS Investments Inc. (PFSI) offers both brokerage and advisory accounts. Representatives do not have investment discretion over any client account or assets. For additional information about the products and services available in brokerage and advisory accounts, 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.
Securities offered by PFS Investments Inc. (PFSI), 1 Primerica Parkway, Duluth, Georgia 30099-0001, a broker-dealer and investment adviser registered with the Securities & Exchange Commission (SEC), a member of the Financial Regulatory Authority (FINRA) [www.finra.org] and a member of the Securities Investors Protection Corporation (SIPC) [www.sipc.com]. PFSI’s advisory business is conducted under the name Primerica Advisors. Fixed indexed annuities are offered by Primerica Financial Services, LLC (PFS). PFSI, PFS and Primerica Inc. are affiliated companies.
The Lifetime Investment Platform is an advisory program sponsored by PFS Investments under the name Primerica Advisors. For additional information about the program, please ask your representative for a copy of the Lifetime Investment Platform Form ADV brochure.
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’s prospectus and, if available, the summary prospectus. Please read the prospectus and, if available, the summary prospectus 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.
Important Disclosure
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