Kevin David Harshman: Primerica - Financial Services in Chula Vista provides term life insurance and investment advisory services from the Otay Lakes Road office through PFS Investments Inc., a FINRA-registered broker-dealer established in 1977. The practice structures its advisory model around Primerica's proprietary Financial Needs Analysis, a diagnostic tool that maps retirement funding gaps, household debt ratios, and education-savings timelines — a planning scope that complements the property and casualty coverage underwritten at Eastlake Insurance Services for clients building layered protection strategies. Primerica ranks as the second-largest issuer of term life insurance in the United States, with all policies underwritten by Primerica Life Insurance Company out of Duluth, Georgia. Investment accounts opened through PFS Investments carry SIPC protection, and the branch runs year-end tax-lot harvesting reviews to manage realized gains — a step that dovetails with the enrolled-agent filings prepared at CHULA VISTA CPA | TAX CPA for clients holding taxable brokerage positions. Securities transactions at this branch fall under PFS Investments Inc.'s FINRA CRD #10111 registration, with SIPC coverage protecting accounts up to $500,000 — including a $250,000 sub-limit for cash claims.