2

Saving for retirement

Other sources of income

Ways to reduce your taxes

Maximizing your savings

Saving more

Diversity of your investment choices

Diversification does not assure a profit or protect against loss.

But You Can Control

The future of Social Security

Your employer

Taxes

Inflation

Rising costs

The risk of a single investment

You Cannot Control

3

Take Control

1. Pay Yourself First

2. Adjust Your Priorities

3. Change Your Thinking

4. Adjust Your Lifestyle

5. Earn Additional Income

6. Avoid the Credit Trap

7. Set Goals and Have a Plan

4

The Three Accounts You Need

• Emergency Fund• Short-Term Savings• Long-Term Savings/Investments

To have a complete savings program, most people need three types of basic accounts.

Investing entails risk including loss of principal. Shares, when redeemed, may be worth more or less than original value.

5

Bypass the Middleman

GlobalEconomy

Your Money

6

The “Time Value” of Money

The hypothetical 9% nominal rate of return, compounded monthly, and tax-deferred accumulation shown for both IRA accounts are not guaranteed or intended to demonstrate the performance of any actual investment. Unlike actual investments, the accounts show a constant rate of return without any fees or charges. Any tax-deductible contributions are taxed and tax-deferred growth may be taxed upon withdrawal. Withdrawals prior to age 59 1/2 may be subject to a 10% penalty tax. Assumes payments are made at the beginning of each year. Investing entails risk, including loss of principal. Shares, when redeemed, may be worth more or less than their original value.

30 0 73,58031 0 80,48032 0 88,03033 0 96,29034 0 105,32035 0 115,20036 0 126,01037 0 137,83038 0 150,76039 0 164,90040 0 180,37041 0 197,29042 0 215,79043 0 236,04044 0 258,18045 0 282,40046 0 308,89047 0 337,87048 0 369,56049 0 404,23050 0 442,15051 0 483,62052 0 528,99053 0 578,61054 0 632,89055 0 692,26056 0 757,20057 0 828,23058 0 905,92059 0 990,90060 0 1,083,86061 0 1,185,53062 0 1,296,74063 0 1,418,38064 0 1,551,44065 0 1,696,97066 0 1,856,16067 0 2,030,280

$44,000

$2,030,280

Investor AAge Annual End of Year

Payment Accumulation

Investor BAge Annual End of Year

Payment AccumulationIndividual A:Started contributingAt Age 22

Individual A:Stopped contributingAt Age 29

Total Contributions

Total Accumulation At Age 67

Individual B:Started

contributingAt Age 30

Individual B:Stopped

contributingAt Age 67

TotalContributions

23 5,500 12,60024 5,500 19,79025 5,500 27,67026 5,500 36,28027 5,500 45,70028 5,500 56,00029 5,500 67,270

22 $5,500 $6,020

30 $5,500 $6,02031 5,500 12,60032 5,500 19,79033 5,500 27,67034 5,500 36,28035 5,500 45,70036 5,500 56,00037 5,500 67,27038 5,500 79,59039 5,500 93,08040 5,500 107,82041 5,500 123,95042 5,500 141,60043 5,500 160,90044 5,500 182,01045 5,500 205,10046 5,500 230,35047 5,500 257,98048 5,500 288,19049 5,500 321,24050 5,500 357,39051 5,500 396,93052 5,500 440,19053 5,500 487,49054 5,500 539,24055 5,500 595,84056 5,500 657,75057 5,500 725,47058 5,500 799,54059 5,500 880,56060 5,500 969,17061 5,500 1,066,11062 5,500 1,172,13063 5,500 1,288,10064 5,500 1,414,95065 5,500 1,553,70066 5,500 1,705,46067 5,500 1,871,460

22 0 023 0 024 0 025 0 026 0 027 0 028 0 029 0 0

$209,000

$1,871,460

7

Don’t Pay theHigh Cost of Waiting

If your goal is to save $500,000 for retirement at age 67, look at the difference time makes:

Age 55 $1,926 more than 21 times more

Monthly Savings Required

Begin at Save Cost to wait

Age 25 $89

Age 35 $224 more than 2 times more

Age 45 $602 nearly 7 times more

8

The Importance ofRate of Return

Hypothetical percentage rates and values. Rate of return is a nominal interest rate compounded on a monthly basis. These results are not indicative of any specific investment and show a constant rate of return, where an actual investment will fluctuate in value. It does not include fees and taxes, which would lower results. Investing entails risk including loss of principal. Shares, when redeemed, may be worth more or less than original value.

A one-time $1,000

investment with a

3%, 6% and 9% rate of return.

$55,100

6%

$7,400

3%

$406,400

9%

9

Do You Know the Rule of 72?

This table serves as a demonstration of how the Rule of 72 concept works from a mathematical standpoint. It is not intended to represent an investment. The chart uses constant rates of return, unlike actual investments which will fluctuate in value. It does not include fees or taxes, which would lower performance. It is unlikely that an investment would grow 10% or more on a consistent basis.

Years 3% 6% 12%

equals the number of

years it takes your money to double.

Dividing 72 by the interest

rate

$10,000

$20,000

$40,000

$80,000

$160,000

$320,000

$640,000

$1,280,000

$2,560,000

$10,000

$20,000

$40,000

$80,000

$160,000

$10,000

$

$20,000

$40,000

0

6

12

18

24

30

36

42

48

0 $10,000 $10,000 $10,000

10

What Is a Mutual Fund?

A mutual fund is an opportunity for you, together with many other investors, to pool your money.

Investing entails risk including loss of principal. Shares, when redeemed, may be worth more or less than their original value.

Mutual Fund

Pooled AssetsIndividualInvestors

GlobalEconomy

11

The Three “Ds” of Investing

A good way to keep your focus on your goals is to remember the three “Ds” of investing:

•Dollar-Cost Averaging •Discipline•Diversification

Dollar-cost averaging does not assure a profit or protect against loss. Investors should consider their ability to continue investing during a declining market. Diversification does not assure a profit or protect against loss. Investing entails risk including loss of principal. Shares, when redeemed, may be worth more or less than their original value.

12

Budget

1. Know your Income

2. Know your Expenses

3. Don’t Spend more than You Make

13

The 5 Most CommonCredit Mistakes

1. Not valuing your credit

2. Raising credit card limits

3. Not monitoring your credit history

4. Not monitoring your credit score

5. Not knowing your interest rate and fees

14

Revolving Debt vs. Fixed Debt

*Assumes revolving payment (minimum) is 3.5% of the remaining balance or $20, whichever is greater. First month’s payment is shown and term assumes continued payment of minimum amount. No additional debt incurred and payments decrease over time period. **Assumes payment of 3.5% of initial loan amount, no additional debt incurred and initial payment amount remains fixed throughout term of loan.

Look at how revolving debt can erode your financial security:

$5,370in interest

paid

Fixed Debt$17,000 @ 18%

Pay $595/month fixed**

3 years and 2 months to pay off

$12,500in interest paid

17 years and 2 months to pay off

Revolving Debt

$17,000 @ 18% Pay $595/month*

15

Retail Card

1

Credit

Card 2

Car Loan

Credit

Card 1

Mortgage

Total

The Debt Stacking Concept*

*The above example is for illustrative purposes only. The Debt Stacking concept assumes that: (1) you make consistent payments on all of your debts, (2) when you pay off the first debt in your plan, you add the payment you were making toward that debt to your existing payment on the next debt in your plan (therefore you make the same total monthly payment each month toward your debts) (3) you continue this process until you have eliminated all of the debts in your plan. In the example above, when the retail card 1 is paid off, the $220 is applied to credit card 2, accelerating its payment to $573. After credit card 2 is paid off, the $573 is applied to car loan for a total payment of $1,124. The process is then continued until all debts are paid off. Note that the total payment per month remains constant.

$353

$551

$303

$1,293

$2,720

$551

$303

$1,293

$2,720

$303

$1,293

$2,720

$1,293

$2,720

$220

$353

$551

$303

$1,293

$2,720

Extra Debt PaymentTarget Account

As each debt is paid off, you apply the amount you were paying to that debt to the payment that you were making on the next target account.

$1,427

$1,124

$2,720

$573

+ $220

+ $573

+ $1,124

+ $1,427

$220

16

The Theory of Decreasing Responsibility

Today

1. Young children

2. High debt

3. House mortgage

Loss of income would be devastating

At Retirement

1. Grown children

2. Lower debt

3. Mortgage paid

Retirement income needed

17

Habits of Success

1. Get up Early

2. Daily To-Do List

3. Set Long Term Goals

4. No Gossip

5. Healthy Lifestyle

6. Productive Off Hours

7. Embrace Change

8. Take Risk

9. Charitable Giving

10.Income

11.Budget

18

You Can Do It!

• The path to financial independence starts with understanding a few basic concepts — and implementing them.

• Winning the financial “war” is the result of winning tiny battles day-to-day.

• If you put together a simple plan and follow it, you’ll be amazed at the progress you can make.

19

Thank You

Janet Gibson

Investment Advisor Representative

818-239-3847

primericarvp@earthlink.net

20

Endnotes

Securities offered by PFS Investments Inc.

Primerica representatives market term insurance underwritten by the following affiliated companies in these respective jurisdictions: National Benefit Life Insurance Company (Home Office: Long Island City, NY) in New York; Primerica Life Insurance Company (Executive Offices: Duluth, GA) in all other U.S. jurisdictions; Primerica Life Insurance Company of Canada (Home Office: Mississauga, ON) in Canada.

www.primerica.com

Not for use in New York State.

© 2003-2015 Primerica/49581/2.15/US/11POL270-8

An investor should consider a mutual fund’s risks, investment objectives, and fee expenses carefully before investing. The prospectus and/or summary prospectus contains this and other information about the mutual fund. You may obtain a prospectus from your PFS Investments representative or by contacting PFS Investments at 770-381-1000. You should read and consider the prospectus, and/or summary prospectus, carefully before investing.

21

You Can…

You Can get out of debt.

You Can build savings.

You Can get on the pathto financial independence!

22

The Debt Stacking Concept

*This hypothetical assumes a constant nominal 9% rate of return compounded monthly, unlike actual investments which will fluctuate in value, and does not include taxes or fees which would reduce returns.

Payoff 23 years

Without Debt Stacking

Interest Saved $0

With Debt Stacking9 years

14 Years Sooner

$130,643

Interest Paid $214,442

Monthly Payments $2,720

$83,799

$2,720