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Updated September 17, 2026. Quick answer: Primerica discloses a tiered schedule starting at 1.25% advisory + 0.49% program = 1.74% in its PFS Investments Inc. (Primerica Advisors) Wrap Fee Program Brochure, Form ADV Part 2A Appendix 1 (March 30, 2026). Converted to dollars, that runs $8,550 a year on a $500,000 account; see the full table below for $250,000, $1 million and $2 million.
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Primerica fee schedule 2026 (tiers)
This schedule comes from the PFS Investments Inc. (Primerica Advisors) Wrap Fee Program Brochure, Form ADV Part 2A Appendix 1, dated March 30, 2026, the same filing cited under Sources below.
From the PFS Investments Inc. (Primerica Advisors) Wrap Fee Program Brochure, Form ADV Part 2A Appendix 1 (March 30, 2026): “Advisory fee (Maximum), Account Value: $250,000 or less, 1.25%; $250,000.01-$500,000, 1.25%; $500,000.01-$1,000,000, 1.10%; $1,000,000.01-$3,000,000, 1.00%. Program fee, Account Value: $250,000 or less, 0.49%; $250,000.01-$500,000, 0.46%; $500,000.01-$1,000,000, 0.42%; $1,000,000.01-$3,000,000, 0.38%.”
- $250,000 or less: 1.25% advisory + 0.49% program = 1.74%
- $250,000.01 to $500,000: 1.25% advisory + 0.46% program = 1.71%
- $500,000.01 to $1,000,000: 1.10% advisory + 0.42% program = 1.52%
- $1,000,000.01 to $3,000,000: 1.00% advisory + 0.38% program = 1.38%
What you would pay
| Account balance | Annual fee (dollars) | Effective rate |
|---|---|---|
| $250,000 | $4,350 | 1.74% |
| $500,000 | $8,550 | 1.71% |
| $1,000,000 | $15,200 | 1.52% |
| $2,000,000 | $27,600 | 1.38% |
Primerica Advisors is a breakpoint schedule: only the rate for your bracket applies, to the whole balance. This covers PFS Investments’ Lifetime Investment Program specifically, not Primerica’s much larger commission-based insurance and mutual fund business. An additional Asset Manager fee (0.00% to 0.50%, depending on the model selected) can apply on top.
How this compares
Our benchmark of published adviser fee schedules puts the weighted median annual cost near $2,000 to $2,500 on $250,000 (the benchmark). At $500,000, Primerica’s own published rate runs $8,550 a year.
Thinking about leaving Primerica instead of pricing what you would pay to stay? See what it costs to leave, or read the general mechanics of switching financial advisors.
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- PFS Investments Inc. (Primerica Advisors) Wrap Fee Program Brochure, Form ADV Part 2A Appendix 1 (March 30, 2026): https://www.primerica.com/public/pdf/PFSI-PriAdvForADVWraFeeProBro.pdf
- SEC Investment Adviser Public Disclosure, PFS Investments Inc. (Primerica Advisors) (CRD #10111): https://adviserinfo.sec.gov/firm/summary/10111
- PFS Investments Inc. (Primerica Advisors), SEC Form ADV filing: https://reports.adviserinfo.sec.gov/reports/ADV/10111/PDF/10111.pdf
Methodology. This page was built September 17, 2026, drawing on Primerica’s own SEC-filed disclosure and, where cited, its published fee schedule, with sources linked above; any figure we could not independently confirm this session is named as an honest gap rather than presented as verified. Nothing here is personalized financial, tax, legal, or investment advice. See our Editorial Policy, Corrections, Affiliate Disclosure, and Disclaimer.
Is Primerica a fiduciary? See what its own Form CRS says, and how that compares to what you would pay.
What does it take to open an account? See Primerica’s minimum investment, straight from its own Form ADV Part 2A brochure.
Weighing whether to move ahead? Read the full Primerica review, including its fiduciary status and what it costs to leave.
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