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 individual circumstances and personal objectives.

Client-Focused Planning Process

This process has been developed to focus on key beliefs to help clients develop and implement an investment plan. By following the 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:
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 access to 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 identify 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 to accommodate changing needs.

Professional Asset Management

Through the Primerica Advisors Lifetime Investment Program, we offer professionally managed investment strategies. The asset managers are selected based on their demonstrated ability to develop and manage investments that can assist clients in meeting their accumulation, preservation, and distribution goals.

Professional asset managers are identified based on:

Organizational structure and credentials of the people focused on managing the assets
Asset manager’s defined philosophy and process
Asset 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 of “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. Your allocation 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 advisor the opportunity to review your account holdings and determine whether your investments continue to reflect your needs.

Individuals identiﬁed as Newman Financial are aﬃliated with PFS Investments Inc., a subsidiary of Primerica, Inc., and oﬀer products and services through 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 brokerage and advisory services. Representatives do not have investment discretion over any client account or assets. For additional information about the products and services available from PFSI, 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.

PFSI, 1 Primerica Parkway, Duluth, Georgia 30099-0001, registered broker-dealer and investment adviser, member of FINRA/SIPC. PFSI offers advisory services through and is the sponsor of the Primerica Advisors Lifetime Investment Program. Primerica Brokerage Services, Inc. (PBSI), member of FINRA/SIPC, is the provider of brokerage services for the Primerica Advisors Lifetime Investment Program. Representatives who offer advisory services are supervised persons of PFSI, and are not associated persons of PBSI. Primerica, Inc., PFSI and PBSI are affiliated companies.

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

Mutual funds, annuities, 529 plans, 401(k) plans and asset managers referenced above are made available through contractual relationships between PFSI and the product providers.

Before investing, you should carefully consider your financial objectives, and the risks, charges, fees and expenses associated with any investments you are considering. This and other important information can be found in the prospectus and the summary prospectus, if available. Please review prospectuses, sales literature and other disclosures 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.