COACH Frederick Hogsett, Jr.

06/18/2026

What Is an IRA?

An Individual Retirement Account (IRA) is a tax-advantaged savings account designed to help individuals save for retirement. Two of the most widely used types are the Traditional IRA and the Roth IRA. While both offer meaningful tax benefits and grow your investments on a tax-advantaged basis, they differ significantly in when you receive that tax benefit — and those differences can matter a great deal depending on your circumstances.

Questions about how this applies to your situation? We'd love to have that conversation.

(For educational purposes only. This content does not constitute personalized tax, legal, or investment advice. Please consult a qualified financial advisor or tax professional regarding your individual situation.)

06/17/2026

You deserve mornings that feel inspiring, not exhausting. Start building a life you don’t need a break from.

06/16/2026

“My uncle says this stock is about to take off.ˮ Maybe. Maybe not. The real question is whether it fits your goals.

Contact me if you want a game plan built around you, not random opinions.

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06/11/2026

Checking financial news before coffee = instant stress.

After coffee? Itʼs easier to remember headlines change fast, but your plan shouldnʼt. If the daily noise feels like too much, contact me.

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06/08/2026

Me after watching one financial TikTok: “Got it. Iʼm an investor now.ˮ

Real life? One tip isnʼt a strategy.

Everyoneʼs chasing a favorite viral idea, but consistency matters more.

Contact me to learn more.

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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

https://prisocial.info/PriInvestmentsDisclosures

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.