Planning and Process

At Newman Financial, we work with you to determine the method of investing most appropriate to meet your goals based on your unique circumstances and personal objectives.

Client-Focused Planning Process

Over many years, we have created a process around these key beliefs to help our clients develop and implement an investment plan. We believe that by following this process, together we can:

Evaluate the level of risk in your current program
Determine whether any changes could help improve your financial situation
Implement changes as needed
Help keep you on track to reach your goals

Step 1 – Discovery:
This step involves learning about you. Understanding who you are, what is important to you, then identifying and prioritizing your goals.

Step 2 – Analysis and Development:
Here we analyze the information gathered in Step 1. We have tools and resources that enable us to run a variety of allocation and investment scenarios providing you with a deeper understanding of your finances and possible future outcomes.

Step 3 – Decision-making and Implementation:
Sound decisions are based on facts and careful research, not emotions. Building on Steps 1 and 2, we will select an investment strategy that aligns with your objectives and risk tolerance.

Step 4 – Staying on Track:
Circumstances can and will change for clients. Whether your goals and objectives have evolved, you’re worried about market volatility, or you’d just like reassurance that you are on the right path, we are committed, to being available to you. If you think it might be time to make changes, we can start the process again to help keep you on track.

Our Approach to Investment Selection

Focused on Your Lifecycle Needs

At Newman Financial, we work with you to determine the method of investing most appropriate to meet your goals based on your unique circumstances and personal objectives. We have the tools to assist you throughout each stage of your “investing lifecycle.”

At Newman Financial, we choose from carefully selected solutions to help you meet the needs of your investment plan as you move through the investing lifecycle.

By working with your advisor, you will be able to identify the investment options that most align with your personal goals, time horizon, risk tolerance, and investing preferences. You can always adjust your investment plan and accommodate changing needs.

Professional Asset Management

At Newman Financial, we offer professionally managed investment strategies through managed accounts. Primerica Advisors has chosen asset managers based on their demonstrated ability to develop and manage investments that can assist clients in meeting their accumulation, preservation, and distribution goals.

Primerica identifies professional asset managers based on:

Organizational structure and credentials of the people focused on managing the assets
Manager’s defined philosophy and process
Manager’s ability to deliver repeatable, consistent performance

Asset Allocation and
Investment Model Offerings

At Newman Financial, we believe a well-designed and executed asset allocation is a key component to helping you achieve your long-term goals.

Asset allocation might be beneficial in achieving the appropriate balance or “risk and return” objectives. It is important to consider spreading your assets across different asset classes, sectors and market themes.

Your advisor will work with you to determine which investment options are appropriate to be part of your asset allocation goals. Your allocation goals may differ depending on your need for growth, income generation, preservation, or income distribution.

Simplicity

At Newman Financial, we believe that simplicity and ease of review of assets is important in helping you track your progress.

We make it simple for you to monitor, manage and make changes to your account when necessary.

Performance reports provide clear and concise information about your investments. These reports give you and your Primerica advisor the opportunity to review your account holdings and determine whether your investments continue to reflect your needs.

Certain Investments Adviser Representatives with Primerica Advisors may offer financial planning services through Advicent’s Naviplan. Any information provided by Advicent’s Naviplan is for informational and illustrative purposes only, and in no way should be construed as a specific product recommendation or endorsement by Primerica, Inc. or any of its affiliates or subsidiaries, including PFS Investments Inc. Advicent and Primerica are not affiliated companies.

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.