Introduction to Investment Services

I am dedicated to helping individuals and small businesses achieve their financial goals.

John C. PuritzSeries 6, 63, 65, 26

Investment Adviser Representative

Office: 561-767-9440Mobile: 772-240-2940

About

I have a passion for education. For 10 years, I had a career in public education, teaching middle and high school music. Wanting more for my family, we transitioned to South Florida in 2003 and began our career teaching families and small business owners sound financial education and planning.

My mission is to Educate, Equip, and Empower others by seeing them as the hero of their story. I guide my clients through our discovery process and provide an investment plan to help clients reach their investing lifecycle goals.

Goals and Commitment

I am dedicated to helping individuals and businesses achieve their financial goals. My experience and financial insights are shared with you to help you address critical questions about investing. In addition, I will work with you to identify an investment plan and select investment strategies that can help you accumulate assets, preserve assets through risk management, and distribute retirement income.

I have a range of options that help serve your investment needs. Securities are offered by PFS Investments Inc., with investment products that include Mutual Funds, Variable Annuities, Small Business Retirement Plans, IRAs (both Traditional & Roth) and 529 Plans. Fee-based Managed Accounts are offered through Primerica Advisors.

Mission Statement

My mission is focused on getting to know and understand your needs, wants and long-term goals. My passion is to help you develop and implement an investment plan that is designed to address your individual situation, business, or family. My energy, commitment and efforts are focused on you, the client, and your satisfaction.

LIFETIME INVESTMENT PLATFORM OFFERING

Best-in-Class Investment Solutions offered through PFS Investments Inc.

MUTUAL FUNDS• AB• American Century

Investments • American Funds• Fidelity Advisors• Franklin Templeton

Investments

• Invesco• Legg Mason• MFS• OppenheimerFunds• Pioneer Investments• Putnam

ANNUITIES• AIG• AXA• Brighthouse Financial• Lincoln Financial

529 PLANS• American Funds• Fidelity Investments• Franklin Templeton

Investments• Legg Mason• OppenheimerFunds

401(K)• AXA• American Funds• CUNA Mutual• Fidelity Advisors• Voya

A financial advisor’s ability to offer products and services is restricted based on the licenses held by the advisor, and the states in which the advisor is registered. Not all financial advisors are authorized to sell all products and services in all states. For additional information about an advisor, including licenses and state registrations, please visit www.BrokerCheck.com. PFS Investments Inc. is a registered broker-dealer and is a member of FINRA and SIPC. PFS Investments Inc. is an SEC-registered investment adviser doing business as Primerica Advisors. Securities are offered by PFS Investments Inc., 1 Primerica Parkway, Duluth, Georgia 30099-0001. 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. The Lifetime Investment Platform is an advisory program sponsored by Primerica Advisors. For information about Primerica Advisors, please ask your advisor for a copy of the Lifetime Investment Platform Form ADV Part 2A Appendix 1 wrap fee program brochure. Primerica Advisors is the trade name under which PFS Investments Inc. conducts its investment advisory business. In the United States (except in New York), term life insurance products are underwritten by Primerica Life Insurance Company, Executive Offices: Duluth, Georgia. In New York, term life insurance products are underwritten by National Benefit Life Insurance Company, Home Office: Long Island City, New York.

© 2019 Primerica / 57209 / 958628 / 9.19

Asset ManagersFounded / AUM / Location

Asset Allocation

Investment Management Philosophy

Investment Vehicle

Models Available

1995 / $4b Charlotte, NC

TacticalGlobal manager with focus on economic, fundamental and quantitative analysis

ETFActive Risk AssistReal Spend

1980 / $7b Waukesha, WI

Strategic

Domestic manager with focus on bottom up fundamental and quantitative analysis. Emphasize relative valuation and down-side risk management, risk adjusted focus.

ETF orStocks

Catholic ESG Equity Social ESG EquityAll Cap EquityTax Exempt Municipal Bond - ETF

2002 / $882bChicago, IL

StrategicLong-term strategic asset allocation; diversification, risk adjusted focus

ETFGlobal BalancedUS Equity or US GlobalSmart Beta Income

™

1996 / $13b Austin, TX

TacticalMacro, fundamentals, relative valuation, technical analysis

ETF

ESG Global Equity and ESG Core Plus Fixed Income 100%/80%/40%/20% Equity ModelsCore Fixed IncomeMulti Asset Income and Tax Aware Multi Asset Income

1899 / $754b Baltimore, MD

Strategic

QS Investors: delivers disciplined and systematic solutions that address clients’ complex investment challenges.

ClearBridge Investments: committed to long-term results through active manage-ment. Investment process provides clients with equity-focused strategies

QS Investors: Blend

ClearBridge: Stocks

QS Investors: Strategic Real Return, Diversified Income

ClearBridge: Multi Cap Growth, Divided Income

1995 / $8bPhiladelphia, PA

StrategicLong-term strategic asset allocation; downside risk management; global macro focused

Blend100% Equity80%/60%/40%/20% Equity ModelsTax Aware Equity Models

1974 / $13bColumbus, OH

Tactical Multi-Disciplined/Multi Factor MF 80%/60%/40%/20% Equity Models

2001 / $35b Chicago, IL

StrategicValuation-driven asset allocation, contrar-ian mindset, independent investment se-lection, and holistic portfolio construction

MF100%/80%/40%/20% Equity ModelsTax Aware Equity ModelsRetirement Income Models

1968 / $4b Los Angeles, CA

Strategic

Bottoms-up, value-driven process with a focus on qualified dividends. Seeks to re-duce volatility and downside risk relative to benchmark.

Stocks Dividend Income Equity

MANAGED ACCOUNTS: PRIMERICA ADVISORS LIFETIME INVESTMENT PLATFORM

Focused on Client’s Lifecycle Needs: The Primerica Advisors Lifetime Investment Platform is designed to enable advisors to assist their clients in achieving goals throughout the client’s investable lifecycle. Advisors can assist clients through the accumulation, preservation and income distribution phases of their lives.

Access to Professional Asset Managers: The platform provides access to professional asset managers who have well-established track records in asset allocation and security selection, including exchange traded funds, mutual funds and individual stocks. Each asset manager was selected based on their people, philosophy, process and performance.

Lifetime Investment Platform Offering

Best in Class Investment Solutions offered through PFS Investments Inc.

Managed Accounts: Primerica Advisors Lifetime Investment PlatformFocused on Client’s Lifecycle Needs: The Primerica Advisors Lifetime Investment Platform is designed to enable advisors to assist their clients in achieving goals throughout the client’s investable lifecycle. Advisors can assist clients through the accumulation, preservation and income distribution phases of their lives.

Access to Professional Asset Managers: The platform provides access to professional asset managers who have well-established track records in asset allocation and security selection, including exchange traded funds, mutual funds and individual stocks. Each asset manager was selected based on their people, philosophy, process and performance.

Mutual Funds American Century InvestmentsAmerican FundsFidelity AdvisorsFranklin Templeton Investments InvescoLegg MasonMFSPutnam

AnnuitiesAIGBrighthouse FinancialEquitableLincoln Financial

529 PlansAmerican FundsFidelity AdvisorsFranklin Templeton InvestmentsLegg Mason

401(k) PlansAmerican FundsCUNA MutualEquitableFidelity AdvisorsVoyaJuly Services Managed Account 401k Launch and LibertyJuly Services Cash Balance Plans

A Primerica representative’s ability to offer products and services is restricted based on the licenses held, and the states in which the individual is registered. Not all representatives are authorized to sell all products and services in all states. For additional information about a representative, including licenses and state registrations, please visit www.BrokerCheck.com.

PFS Investments 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 PFS Investments and your representative, please review a copy of our Form CRS, Form ADV brochure and Investing with Primerica, available from your representative and online at Primerica.com/pfsidisclosures.

PFS Investments Inc. is a registered broker-dealer and is a member of FINRA and SIPC. PFS Investments Inc. is an SEC-registered investment adviser doing business as Primerica Advisors.

Securities are offered by PFS Investments Inc., 1 Primerica Parkway, Duluth, Georgia 30099-0001. Fixed index annuities are offered by Primerica Financial Services, LLC, an affiliate of PFS Investments Inc. Primerica Financial Services, LLC and PFS Investments Inc. are both subsidiaries of Primerica, 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’s prospectus and, if available, the summary prospectus. Please read the prospectus and, if available, the summary prospectus carefully before investing.

The Lifetime Investment Platform is an advisory program sponsored by Primerica Advisors. For additional information about Primerica Advisors, please ask your representative for a copy of the Lifetime Investment Platform Form ADV brochure.

© 2020 Primerica / 1215021 / 7.20

561-767-9440 | 5725 Corporate Way | Suite 209 | West Palm Beach, FL 33407