Research

We will conduct a thorough analysis of your complete financial health and will:

• Assist you in defining your short and long-term goals;
• Use a capital needs analysis to determine your immediate, intermediate and long-term cash needs—and determine if additional insurance is needed for your beneficiaries
• Assess your overall risk tolerance
• Examine your current asset allocation within all investment holdings and check for portfolio diversification gaps
• Consult with your accountant on ways to improve your investment tax exposure
• Conduct a policy assessment on any insurance you may already own to analyze coverage and identify gaps
• Canvas the providers and carriers to determine which investments and insurance may be the best fit to accomplish your financial plan given your time line, risk tolerance, future income needs, and overall fee structure impact

_{A diversified portfolio does not assure a profit or protect against loss in a declining market.}

_{Asset allocation, which is driven by complex mathematical models, cannot eliminate the risk of fluctuating prices and uncertain returns. Asset allocation should not be confused with the much simpler concept of diversification.}

_{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.}

Implementation

Once we have completed your personalized strategy, we will meet again with your team and review in detail how each program and investment may achieve our prioritized goals in your active financial plan. We will take as much time as is needed in this step, and we will move forward when all parties are in agreement on every part of the strategy.

Once in agreement, our office will generate the necessary paperwork and we will meet again to walk you through the signatures required to complete the applications.

Annual Review

Once the strategy has been set in motion, we’ll help monitor your progress to make sure you stay on track. At your preference, we will establish a time table for regular meetings, but strongly suggest a minimum of at least one in person meeting a year. During this time, we will:

• Review activity and any life changes since the last meeting
• Discuss any concerns or questions
• Review goals and any change in goals
• Discuss financial analysis and asset allocation
• Perform investment and insurance review
• Review risk exposure
• Determine next steps