Our Advisors
OUR ADVISORS
Lance Yarbrough
Series 6, 63, 65, and 26
Financial Advisor
My focus is primarily in helping families and small businesses achieve success with their financial planning, wealth management, and retirement goals. I leverage almost two decades of financial knowledge and experience in offering advice and solutions unique to each client’s situation. Building relationships that last a lifetime are very important to me. I am a graduate of Samford University in Birmingham, AL. My wife and I live in Enterprise, AL with our two kids. When not working, I value time with family. We enjoy the outdoors and spending time at the lake.
Cell: 334-477-3874
Office: 205-987-3331
Email: lyarbrough@primerica.com
Joe (Bubba) Gibson
Series 6, 63, 65, and 26
Financial Advisor
In 2016, after an accomplished business career that included both representing and calling on Fortune 100 companies, I embarked on my journey into the financial services industry. Prior to my career in financial services, I led several successful sales teams in multiple industries. My background includes leadership roles in corporate sales and organizational development, as well as over a decade in higher education. My diverse background and experience in client collaboration has served me well in my transition to financial services, as I continue to put clients first. Today, I work with families and business owners helping them analyze their financial situation, define goals, and implement tailored investment plans. I am committed to providing retirement planning solutions with the highest integrity; my work with clients is a relationship grounded in mutual trust. I have served as a board member on numerous non-profit agencies in the Birmingham area including several in the education sector. I reside on Lake Martin where me and my wife, LuCile, enjoy water sports and family time with our kids and grandkids.
Cell: 256-620-2153
Office: 205-987-3331
Email: jgibsonjr@primerica.com
Jeff Milne
Series 6, 63, 65
Certified Financial Planner™
Financial Advisor
“If we command our wealth, we shall be rich and free. If our wealth commands us, we shall be poor indeed.” (Edmund Burke)
In 2017, I came to the team from Prudential Financial. Prior to entering financial services, I enjoyed a stellar career in ministry and as a Commander in the US Navy. I applied what I’ve learned both from my service background and my understanding of the financial markets to provide financial education and advice to clients of all types and for accounts of all sizes. My passion is to educate and to help clients navigate key decisions necessary for building a secure financial future.
When I’m not serving clients, I can be found enjoying time with family and voraciously consuming both historical and financial works of all kinds; additionally, I am devoted to the Word & my church, and often recreating outdoors with my two attention-demanding dogs. Jeff resides in Birmingham, AL.
Cell: 205-209-2522
Office: 205-987-3331
Email: jeffreysmilne@primerica.com
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP® certification mark and the CERTIFIED FINANCIAL PLANNER™ certification mark in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
Manny Zubia
Series 6, 63, 65
Certified Financial Planner™
Financial Advisor
I began my career in the financial services industry in 2017. Prior to entering financial services, I finished a stellar career in the U.S. Air Force. I apply my understanding of the financial markets to help meet client’s financial needs. Currently I reside in Metro Atlanta, where I have a passion to serve clients and help them along their financial journey.
Cell: 720-202-4222
Office: 205-987-3331
Email: mzubia@primerica.com
Morgan Choat
Series 6, 63, 65
Financial Advisor
I graduated from Auburn University in 2004 with a degree in Family Business and Entrepreneurship. Will and I were married in 2005 and we have three boys, Carter, Sam, and Whit. While still involved in the financial services industry, my primary focus for the past eleven years was raising our sons. Now that the youngest one is in school, I am ready to concentrate on CMJ Financial, our team, and most importantly, the clients we serve. A key aspect of my role with CMJ has been in servicing clients, and working as an office manager, taking care of client needs and day-to-day activities. My long-term goal is to one day serve in a leadership role for CMJ Financial Group, ensuring that we not only serve current clients, but also many future generations. Our family loves to travel and go on new adventures. On the weekends you will find me with our boys at a ball field or gym.
Cell: 205-601-0093
Office: 205-987-3331
Email: mchoat@primerica.com
Bob Mitchell
Series 6, 63, 65
Financial Advisor
I started my career in financial services in 2004. Prior to working in the financial services industry, I served as the Superintendent of Hoover Schools and the Founder of Odyssey Child Development. I enjoy teaching others about financial markets and working with clients to meet their goals.
Cell: 205-568-5909
Office: 205-987-3331
Email: cmitchell@primerica.com
John Metcalf
Series 6, 63, 65
Financial Advisor
I embarked on my financial services career in 2017, after 41 years in education as a teacher, coach, and athletic director. My tenure in education helped develop my leadership skills and a passion for serving others; skills that greatly enhance my competence in serving clients and helping them achieve their goals. Currently, I reside in the Trussville Alabama area.
Cell: 205-987-3331
Office: 205-987-3331
Email: jmetcalf@primerica.com
Eric Gibbons
Series 6, 63, 65
Financial Advisor
With over 15 years of experience in highly competitive environments, I have a track record of success and an immense desire to help people. I have a strong work ethic and drive for excellence which have served me well in helping others achieve their financial goals and objectives. As an educator, I understand that knowledge is the first step in any plan. Above all else, I am committed to helping clients define, develop, and grow a financial legacy.
My wife, Kalika, and I are longtime residents of Hoover and have two teenage daughters. Originally being from Colorado, I enjoy the outdoors and hiking. We can often be found enjoying Oak Mountain State Park in our down time.
Cell: 205-983-1338
Office: 205-987-33311
Email: egibbons@primerica.com
Larry Giangrosso
Series 6, 63, 65
Financial Advisor
My forty-seven-year career in education as a teacher, coach, athletic director, and high school administrator has allowed me to work with students, players, faculty members, parents, and communities to build lasting relationships and prepare them to move on to the next phase of their lives. Those experiences serving others have prepared me to help clients meet their financial needs and build long-lasting personal relationships that go well beyond helping them achieve their financial goals. I reside in Pelham with Karen, my wife of forty-five years. I enjoy being with my family, spending time with my grandkids, and playing golf.
“There is no true simplicity without wisdom and no true wisdom without simplicity” – Dietrich Bonhoeffer
Cell: 205-238-8908
Office: 205-987-3331
Email: peterl.giangrosso@primerica.com
For additional information about an investment adviser representative, including licenses and state registrations, please visit www.BrokerCheck.com.
Client Service
(Left to Right) Adam Whitley; Morgan Choat; Will Choat
At CMJ Financial Group we take pride in servicing each client. Will, Morgan, and Adam lead our client servicing efforts and ensure that we are always available to address your needs. We believe in having open and active communication to assure that you are on track for your goals and objectives and we are responsive for any questions or concerns you have.
Learn More About Us
The individuals identified as CMJ Financial Group are affiliated with Primerica, and offer products and services through Primerica subsidiaries, including Primerica Life Insurance Company and PFS Investments Inc.
A Primerica representative’s ability to offer products and services is based on the licenses held by the individual, and the states in which the individual is registered. Not all representatives are authorized to sell all products and services. For additional information about a representative, including licenses and state registrations, please visit www.BrokerCheck.com.
PFS Investments Inc. (PFSI) offers both brokerage and advisory accounts. Representatives do not have investment discretion over any client account or assets. For additional information about the products and services available in brokerage and advisory accounts, including fees, expenses and the compensation received by PFSI and your representative, please review a copy of our Form CRS, Form ADV brochure and our informational brochure, Investing with Primerica, available from your representative and online at www.primerica.com/pfsidisclosures.
Securities offered by PFS Investments Inc. (PFSI), 1 Primerica Parkway, Duluth, Georgia 30099-0001, a broker-dealer and investment adviser registered with the Securities & Exchange Commission (SEC), a member of the Financial Regulatory Authority (FINRA) [www.finra.org] and a member of the Securities Investors Protection Corporation (SIPC) [www.sipc.com]. PFSI’s advisory business is conducted under the name Primerica Advisors. Fixed indexed annuities are offered by Primerica Financial Services, LLC (PFS). PFSI, PFS and Primerica Inc. are affiliated companies.
The Lifetime Investment Platform is an advisory program sponsored by PFS Investments Inc., under the name, Primerica Advisors. For additional information about the program, please ask your representative for a copy of the Lifetime Investment Platform Form ADV brochure.
Mutual funds, annuities, 529 plans, 401(k) plans and asset managers referenced above are made available through contractual relationships between PFSI and the product providers.
Investors should carefully consider the investment objectives, risks, charges, fees and expenses of any mutual fund before investing. This and other important information can be found in the fund’s prospectus and, if available, the summary prospectus. Please read the prospectus and, if available, the summary prospectus carefully before investing. Prospectuses are available from your Primerica representative.
Primerica representatives are not estate planners, or tax advisors. For related advice, individuals should consult an appropriately licensed professional.
This material is for informational purposes only and should not be considered investment advice or a recommendation to buy, sell or hold a security.
Investing entails risk including loss of principal. Past performance is no guarantee of future results.
