Broker Check

The Right Connections

The Teams Behind Our Relationship

Just as we stand behind you to help you pursue your financial dreams, we have teams standing behind us and supporting our businesses. These firms also strengthen our relationship by providing the resources we need to better serve you.

Our Broker-Dealer: Cetera Advisors

We are affiliated with Cetera Advisors, one of the premier 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 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 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.

Our Custodians: Pershing and Cetera Investment Services

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. 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.

Pershing 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.

 

Our Most Important Connection Is With You

While Cetera Advisors, Pershing and Cetera Investment Services play important roles in our day-to-day servicing of your needs, the most important relationship we have is undoubtedly with you—and Cetera Advisors, Pershing and Cetera Investment Services model their services based on that fact. In short, that is the greatest value of our affiliation with an independent broker-dealer like Cetera Advisors: we work with them to make it easier for us to work for you.

Anytime you would like more information about Cetera Advisors, Pershing or Cetera Investment Services, please do not hesitate to ask. We want you to feel confident that you understand, to your satisfaction, how we work with and through these firms, why we have chosen to work with Cetera Advisors, and the absolute priority both Cetera Advisors and we place on my relationship with 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 us 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 representative, which allows me to offer investment products, and requires:
    • Examinations
    • Ongoing continuing education
    • 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

The Strength of our Choice

Among the many choices of independent broker-dealers available, we have selected the experienced team at Cetera Advisors to serve as the provider of financial products and services required to implement your financial objectives as well as those of my other clients. Their dedicated staff serves approximately 1,100 financial professionals like us, representing more than 300,000 accounts nationwide.

Hallmarks of the organization include:

  • Established in 1981
  • Comprised of 351 employees located at our headquarters in Denver, Colo., as well as Atlanta, Ga.; Los Angeles, Calif.; Des Moines, Iowa; and St. Cloud, Minn.
  • Oversees more than $14 billion of assets under administration
  • Audited annually by the non-affiliated accounting firm of Deloitte & Touche LLP
  • Part of Cetera Financial Group, which serves over 7,000 independent financial professionals and 700 financial institutions nationwide through its family of broker-dealer firms

Cetera Advisors provides us with access to a network of people, services and support that allows us to focus more time on you and your interests.

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 do 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.

So it’s okay if you haven’t heard of Cetera Advisors. It’s for some good reasons—many of the same reasons I chose to affiliate with them.

For more information, please contact:

Cetera Advisors LLC

Member FINRA/SIPC

4600 S. Syracuse Street, Suite 600

Denver, CO 80237

800.929.3485

www.ceteraadvisors.com

 

About Cetera Advisors

Cetera Advisors LLC is a full-service securities and advisory firm offering efficient and convenient access to an extensive network of people, products and services to more than 1,100 financial professionals. Cetera Advisors is a member of Cetera Financial Group, Inc., which pro-vides award-winning wealth management and advisory plat-forms, comprehensive broker-dealer and registered investment adviser services, and innovative technology for approximately 6,500 independent financial professionals nationwide.

Cetera Advisors is a member of the Securities Investor Protection Corporation (SIPC) and a member of the Financial Industry Regulatory Authority (FINRA). For more information, visit www.ceteraadvisors.com. 

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