Damon Baruth- Primerica

09/02/2026

Did you know that many Americans don’t have enough savings to cover three months of expenses? Click the link to learn how “paying yourself first” can boost your savings account and protect your financial future.

https://bit.ly/4qPqgyf

09/01/2026

Myth: you need to “timeˮ the market to win.

Truth: nobody can do it consistently — not even Wall Street pros with all their research.

What actually works? Time in the market. The real winners stay consistent, contribute regularly, and let wealth grow long term. Contact me to discuss how you can stay focused on your long-term goals.

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08/25/2026

This quarterʼs market swings probably caught your eye. Itʼs natural to feel uneasy, but focusing on short-term moves can derail long-term goals.

Think of investing like a road trip: bumps and wrong turns happen, but you donʼt abandon the destination. Same with markets — daily swings donʼt erase why you started. Iʼve seen people panic over headlines and wreck decades of planning. The steady ones tune out the noise and stay focused on their prize.

Not sure your plan still fits? If market moves have you questioning, letʼs review your strategy.

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07/30/2026

Checking the market like itʼs game night? Daily swings happen. A long-term plan can help you tune out the play-by-play. Contact me to stay focused on the long view.

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07/22/2026

Global events can create uncertainty and lead to short-term market reactions. Long-term strategies are built with a broader view. Contact me to discuss your long-term investment goals.

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06/23/2026

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://www.cbsnews.com/news/retirement-savings-contribution-cut-warning-sign-dayforce-study/

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.

06/17/2026

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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06/15/2026

Retirement balances have reached new records, reflecting both market resilience and the power of consistent saving. Fidelity’s latest data shows:401(k) millionaires climbed 16% in Q2, reaching 595,000 accounts. IRA millionaires also increased 16%, surpassing 500,000 for the first time. Average balances rose to $137,800 for 401(k)s and $131,366 for IRAs. What’s behind the gains? Savers who stayed invested and continued making contributions benefited as markets rebounded from earlier volatility. Even during uncertain times, steady saving habits can help position accounts to capture positive market trends when they occur. It’s a reminder that discipline and consistency often matter just as much as market performance itself.

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Source: https://www.cnbc.com/2025/09/04/ira-401k-millionaires-hit-record-highs.html

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.

Helped by consistent savings efforts and market gains, average 401(k) balances reached fresh highs in the second quarter, according to a Fidelity report.

06/11/2026

From ships to shares, here’s a brief history of stocks. The first “stocks” were tied to dangerous sea voyages. Today? They’re traded with a tap. Swipe to explore: The first company to issue stock, the world’s first exchange, why stocks became so popular, and how this centuries-old idea still drives markets today.

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06/04/2026

Excited to be part of a company recognized among the largest in the U.S.! Even more proud of the impact we make every day helping families work toward financial security and a better future.