Where will my money be held?
Assets could be held direct at a mutual funds custodian such as American Funds, Franklin Templeton, or Fidelity. Pershing, LLC will hold assets in advisory (or brokerage accounts). Cetera Advisor Networks LLC is our independent broker-dealer.
Do I need a minimum amount of money to work with you?
Minimum assets? We don't have a set limit! We believe everyone deserves quality financial advice and work with clients wherever they are financially. From the young person just starting out to the retired individual wishing to offer financial support to other family members, we can assist you in planning for the future.
Is there a fee for an initial meeting?
No, we do not charge a fee for our initial meeting. We want to get to know you and learn about your goals and aspirations.
What services do you provide?
We offer a full variety of investment choices. We also offer life and long-term care insurance. We jointly come up with a financial strategy with our clients and then implement it for them. Over the years we have developed strategic partnerships with Property & Casualty brokers, Estate Planning Attorneys and CPAs. If the situation warrants, we would be happy to refer their services to you. If you are in need of this expertise, we can refer you to a professional from one of our many strategic alliances. Along the way, we strive to develop close relationships with our clients as we become their source for all of their important financial questions.
What products can you recommend?
As an independent financial advisory group, we are not tied to any particular fund family or investment product. This enables us to customize, design and implement financial plans based on your goals, values, and objectives - not based on firm incentives or demands. We do not have quotas to meet or proprietary products to sell.
Who are your typical clients?
We do not have a typical client. We work with those who value high-quality advice, planning, investment management services and tax planning strategies.* We work with executives, college students, individuals going through a major life transition and families large and small.
*For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice.
How can your services help me?
Whether you are looking for a one-time review or an ongoing partnership, our services will help you toward achieving your goals. We will discuss your questions and concerns, establish a course of action and create a roadmap for your financial life. We will review items such as your investments, benefits, and 401(k) plan, income, expenses, taxes, insurance and more.
What is a fiduciary?
Our mission is to always act in a fiduciary capacity with all clients. This means we hold ourselves to the highest standard of care to act in the best interest of our clients at all times. A fiduciary is a person legally required to act in the client's best interests and set aside personal motives and conflicts of interest in favor of pursuing the best outcome for their unique situation. There are very clear guidelines on who is considered a fiduciary in the financial world and who is not. While the law doesn't require fiduciary care in all circumstances, we treat every client as if we are their fiduciaries.
What should I bring to our first meeting?
First, bring your significant other if you have one, because you both need to be involved. To get a sense of your situation, we’ll have several questions for you! We’ll be ready for your questions too! As far as the actual paperwork to bring, we suggest:
- Driver's License
- Dates of birth and social security numbers for you & your children
- A budget, if you have one.
- Pay stubs
- Statements/details about any investments
- Any insurance policies you have
- An employer benefit statement
- Tax returns for the past 2-3 years
- Statements/details on any debt you owe (mortgages, credit cards, student loans, business loans, personal loans, etc.)
- And if you’ve ever had a financial plan in the past, bring that so we can understand what you’ve been working with.
