COACH Frederick Hogsett, Jr.

06/05/2026

Every earnings season is different, but the influence of a handful of companies is undeniable.

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06/02/2026

When stock prices drop, some investors start asking “shoulda, woulda, coulda” questions about whether to remain invested. But as 2025 illustrates, market timing can be very expensive even if it means missing just a few days.

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06/02/2026

New data shows that some Americans are contributing less to retirement accounts, reflecting ongoing financial pressures. On average, contribution rates fell slightly, with full-time workers setting aside 8.9% of income, down from 9.2% the previous year. At the same time, about 1 in 4 workers reduced their savings, and nearly 20% took loans from their accounts. These changes may be tied to rising everyday expenses, as some households adjust to manage short-term needs. While the shift is relatively modest, consistent contributions over time can play an important role in long-term outcomes — making even small changes worth paying attention to. Trends like these highlight how broader economic conditions can influence saving behaviors across different income levels.

Source: https://cbsn.ws/4urC3mF

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PFS Investments Inc. (PFSI) offers brokerage and advisory services. PFSI, 1 Primerica Parkway, Duluth, Georgia 30099-0001, member FINRA [www.finra.org]. PFSI conducts its advisory business under the name Primerica Advisors. Primerica, Inc. and PFSI are affiliated companies. Investing entails risk, including loss of principal. Representatives must be licensed to discuss investments. For more information, refer to https:// prisocial.info/PriInvestmentsDisclosures.

This communication is for informational purposes only. Please consult a financial professional for individualized advice.

Full-time employees cut their 401(k) participation and contribution rates last year amid an affordability crunch, new research shows.

05/26/2026

Recent proposals around credit card rate caps sparked market reactions, but policy changes take time to evaluate. Even when headlines move markets in the short term, your strategy should take a long view. Contact me to talk through how policy news fits into your overall approach.

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05/25/2026

Happy Memorial Day! Today we honor the heroes who gave everything for our freedom.

05/22/2026

Make the most of the long weekend. Relax, recharge, and enjoy Memorial Day your way.

05/19/2026

Earnings growth expectations look ahead at how companies may perform over time. While prices move day to day, long-term business strength often matters more. Contact me to discuss how earnings forecasts fit into long-term investing.

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05/14/2026

Recent headlines about the Federal Reserve may sound unsettling, but policy decisions follow long-term frameworks. Markets respond to news; keeping your goals in view helps provide clarity. Contact me if youʼd like help putting todayʼs headlines in context.

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05/12/2026

Life Insurance and Annuities are both insurance contracts.

Life insurance guards against dying too soon.

Annuities guard against living too long.

05/11/2026

Your time horizon is how long your money could stay invested, and it plays a major role in shaping strategy. Shorter timelines often call for more caution, while longer ones may allow flexibility. Contact me to talk through an approach that matches your goals.

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