Retirement Planning

THROUGH EDUCATION & UNDERSTANDING

Services Based on
Your Unique Circumstances

You may have questions surrounding your finances:

How much should I be saving? Am I on track to retire? How does my 401(k) work?

Our primary role as your financial advisor is to answer these questions. We will teach you the fundamentals of financial literacy, organize your financial inventory in an easy-to-understand manner, and work with you in crafting your long-term financial plan.

Financial Planning Solutions We Provide:

Comprehensive Financial Planning

Investment Management

Insurance Analysis

Education Planning

Cash-Flow Management

Workplace Benefit Analysis

Social Security Benefit Analysis

Let’s Talk About Cost

Depending on your needs, there are various ways to work with our firm.
As either a planning, investor or situational client, the cost associated with your plan may vary.

Planning Client

As your financial planning consultants, we will develop a holistic financial plan that shows how all your assets work together to achieve your short-, medium- and long-term goals. Over the course of our planning sessions, we make certain that you are educated on the basics of financial literacy and that your plan is tailored to your specific needs. We ensure that your plan is effective in health and that you are prepared for any unforeseen emergencies. There is a one-time $500 financial planning fee for this comprehensive planning process.

Investor Client

We will serve as your financial planning team and encourage you to implement the necessary products to help you achieve the goals within your plan. Through ongoing consultation, management and plan monitoring we can collaboratively determine which strategies are right for you. As an investor client, there is a one-time planning fee of $500 to educate you and craft your unique financial plan and an annual asset management fee of 1.25%.

Situational Client

You may be seeking targeted solutions for specific goals, such as opening a 529 plan for your grandchild’s education or purchasing a life insurance policy. The fees associated will be based on the products and strategies selected to fit your particular needs.

Advisory services may only be offered by Investment Adviser Representatives in connection with an appropriate Cetera Advisor Networks LLC Advisory Services Agreement and disclosure brochure as provided. The output of any financial tool or calculator without such an agreement should be considered to be a part of our brokerage services and not advisory services. Fees Disclosure: Additional compensation may apply in the form of commissions for purchase of individual stocks, bonds and through service fees (12b-1) for mutual fund transactions. Fees, charges and expenses are detailed in the Cetera Advisor Networks LLC's ADV Part 2A.