Primerica Advisors provides discretionary investment management services through its Lifetime Investment Program. The firm acts as sponsor and portfolio manager, evaluating and selecting third-party asset managers to create various investment models ranging from conservative to aggressive growth, as well as specialized strategies like tax-managed and income-distribution portfolios. Clients work with financial advisors to select appropriate models based on their investment objectives and risk tolerance. Primerica Advisors delegates trading and overlay management to affiliated and third-party providers, utilizing Pershing LLC as the qualified custodian. The firm's services are designed for individuals seeking professionally managed investment portfolios through a bundled fee structure that covers advisory, program, and asset management costs.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $250K | 1.74% |
| $250K - $500K | 1.71% |
| $500K - $1.0M | 1.52% |
| $1.0M - $3.0M | 1.38% |
| $3.0M - $5.0M | 1.15% |
| $5.0M - $10.0M | 1.00% |
| $10M+ | 0.85% |
Total maximum wrap fee schedule combining the maximum advisory fee, program fee, and assuming a maximum asset manager fee of 0.50%. The advisory fee component is negotiable.