Client-Centered Pursuit of Financial Security

OUR GOAL

Our goal is to fill the void that we see in the financial services industry by treating every client with the highest degree of honesty, integrity, and transparency. Simply put, Newman Financial is dedicated to helping individuals and small businesses achieve their financial goals. Our experiences and financial insights are shared with you in order to help you address critical questions about investing. In addition, we 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.

OUR CORE BELIEFS

Trust
Developing trust is a critical first step in building client relationships. At Newman Financial, we want each of our clients to feel confident that they are in control and have the information they need to make informed decisions about how and where their money is invested.

Integrity
At Newman Financial, we practice what we teach. The principles, tools, and strategies we use with our clients are the same as we use for our personal finances.

Respect
Each advisor at Newman Financial will always respect your intentions and your decisions. We will educate you and help you make informed decisions.

Communication
Good communication is paramount. Your advisor will listen carefully to your goals, your passions, your dreams. This will allow your advisor to formulate a strategy that is designed for you. We are committed to your financial education. We will teach you what we are learning so you can make informed decisions about your financial options.

Transparency
We believe in transparent disclosure of the fees associated with your investments. Advisor compensation, along with any other expenses to be incurred by you, will be clearly explained in advance of any commitment on your part.

Access
Each advisor at Newman Financial will be a valued financial information resource to you. Your advisor will be available to meet with you to review your investments when needed. You will set the frequency of our visits at a level that is right for you. Your advisor is only a phone call away whenever you would like to discuss your investment plan.

We provide the education for families to make the right decisions to achieve financial freedom.

The individuals identified as Newman Financial 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 Primerica Advisors. For additional information about Primerica Advisors, 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 financial or 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.