Our Practice

I am an Investment Advisor Representative of Cetera Advisors LLC, one of the premier independent broker-dealers in the industry. As our broker-dealer, they are responsible for executing trades on your behalf. Like all broker-dealers, Cetera Advisors must undergo regular auditing. They are also required to meet specific net capital requirements to ensure they can meet their obligations to investors like you.

As an independent broker-dealer, Cetera Advisors LLC does not have any proprietary products or sales quotas. It is not part of or affiliated with an investment bank, and does not engage in proprietary trading. This independence means we are free to recommend the financial solutions that best suit your needs, ensuring your objectives are what drive all decisions.

Cetera Advisors LLC support for our relationship goes well beyond their function as trade executor. Their network of people and resources helps us pursue your unique goals and vision for the future, providing the technology and access to products as well as the research, product due diligence and industry insight that can help us make more informed decisions. In addition, they deliver the regulatory supervision, guidance, and training to ensure that we are informed of regulatory changes and requirements - oversight that also helps protect you.

How Cetera Advisors Helps Us

Among the many benefits we receive from affiliating with Cetera Advisors are:

  • State-of-the-art tools and technology to help build your wealth, plan your legacy and pursue your financial goals.
  • Diverse product choice that delivers the freedom to select financial solutions that best suit your needs and objectives.
  • Regulatory supervision, guidance, and training to ensure the most up-to-date information on regulatory changes and requirements to help protect you and your investments.
  • Access to a network of people, services and support that allows me to focus more time on you and your interests.

How Cetera Advisors Helps to Protect You

Our affiliation with Cetera Advisors means that:

We are registered as a general or limited securities registered representatives, which allows us to offer investment products, and requires:

1) Examinations
2) Ongoing continuing education
3) Background and fingerprint checks

* We must be registered by Cetera Advisors within each state we conduct business
* We are subject to credit checks conducted by Cetera Advisors to ensure a history of financial responsibility
* Our business is subject to regular auditing
* We must attend an annual compliance meeting to ensure knowledge about any changes in the regulatory environment

Why You've Probably Never Heard of Cetera Advisors

When you think of financial services, certain names probably come to mind—your local bank or credit union might be one; investment banks making headlines in recent years might be others. Whatever names you thought of, it's a good guess “Cetera Advisors” wasn't one of them. And we are very comfortable with that.

Unlike a bank or credit union, Cetera Advisors does not sell proprietary products such as mortgages or car loans. And unlike some Wall Street firms, they don't have their own mutual funds or other investment vehicles to promote. In a nutshell, that is what makes them an independent broker-dealer: We're given the freedom to recommend products based only on what we believe will position you to achieve your goals.

Another reason you may not have heard of Cetera Advisors is that they don't make for good headline fodder, thanks to their strict adherence to their policies and culture of risk management. We and every financial professional who affiliates with them must meet and continually observe Cetera Advisors' high standards of ethics and compliance oversight. In addition, every investment we recommend has been rigorously reviewed and then approved by the industry experts of their Research and Due Diligence teams. While this doesn't remove the normal risks associated with investing, it does ensure that the investments represent legitimate opportunities, are based on well-understood economic models, and carry strong economic merit within the current market.

For more information visit www.CeteraAdvisors.com.

While a broker-dealer helps supervise and facilitate the trading that converts your cash into invested assets, those assets are actually held by a custodian. Cetera Advisors works with two custodians.

Pershing LLC is a subsidiary of the Bank of New York Mellon Corporation, which is the nation's oldest continuously operating bank and one of the world's leading providers of securities services. Cetera Investment Services is an affiliate of Cetera Advisors, and is a broker-dealer providing brokerage and other services to its own clients in addition to providing IRA custodial services to Cetera Advisors' clients. Like Cetera Advisors, both Pershing and Cetera Investment Services have to meet certain net capital requirements and are subject to regular audits, both internally and by independent firms, to ensure the appropriate handling, segregation and protection of investors' assets.

For more information visit https://www.pershing.com/about/pershing-at-a-glance.

Cetera Investment Services LLC custodies individual retirement accounts (IRAs) to ensure they meet Internal Revenue Code requirements for tax deferral.

Pershing LLC custodies brokerage accounts (including the brokerage accounts within IRAs) and fulfills a legal responsibility for safeguarding your assets while also providing related administrative services on your behalf, including settlement of purchases, tax and account record keeping, monthly statements, confidentiality and data integrity protections, and more.