How We Work Together Client Service Options
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1 Charting Your Course CETERA INVESTMENT SERVICES LLC MEMBER FINRA/SIPC Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS Insurance Agency), member FINRA/ SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Investments are: Not FDIC/NCUSIF insured May lose value Not financial institution guaranteed Not a deposit Not insured by any federal government agency Cetera Investment Services LLC /14
2 PRODUCT BASED BROKERAGE BASED ADVISORY BASED FOCUS Suitability Analysis Suitability Analysis Financial Planning & Portfolio Analysis TOOLS MoneyGuideBroker MoneyGuidePro SERVICES PROVIDED Research competitive product(s) Describe alternative(s) Recommend product(s) Facilitate transaction(s) Review account performance Contact related to account issues Product statements Research competitive product(s) Describe alternative(s) Recommend product(s) Facilitate transaction(s) Review account performance Contact related to account issues Product statements Research competitive product(s) Describe alternative(s) Recommend product(s) Facilitate transaction(s) Review account performance Contact related to account issues Product statements How We Work Together Client Service Options Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS Insurance Agency), member FINRA/ SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Investments are: Not FDIC/NCUSIF insured May lose value Not financial institution guaranteed Not a deposit Not insured by any federal government agency. * For a comprehensive review of your personal situation, always consult with a legal or tax advisor. Neither Cetera Investment Services, Cetera Investment Advisers nor any of their representatives may give legal or tax advice. In-depth analysis of some or all of the following: Investment Objective Analysis Asset Allocation Analysis Risk Management Analysis Income Tax Analysis* Retirement Objective Analysis Estate Analysis* Education Objective Analysis In-depth product/financial research, alternatives and recommendations based on analysis Consolidated statements In-depth analysis of some or all of the following: Net Worth and Cash Flow (Budget) Investment Planning Asset Allocation Analysis Risk Management Analysis Income Tax Planning* Retirement Planning Estate Planning* Education Planning In-depth product/financial research, alternatives and recommendation based on analysis Work with your family members and team of professionals (i.e., attorney and CPA) as needed and requested Consolidated statements, client web access Portfolio Management Auto-Rebalancing SERVICE FREQUENCY Ongoing: As defined by client Update suitability per SEC requirements Initial: Data gathering, strategy and solution contacts with client Ongoing: As defined by client Update suitability per SEC requirements Initial: Data gathering, strategy and solution meetings with client and team members Ongoing: Recommend two to four service contacts/year Plan update as needed Update suitability per SEC requirements COMMISSIONS AND FEES Commissions: Contingent upon product Commissions: Contingent upon product Advisory Fees: See disclosure brochure Commissions: On potential life product sales, not investment sales REQUIRED DISCLOSURE Refer to investment prospectus, offering circular and/or insurance contracts for detailed information on advisor compensation Refer to investment prospectus, offering circular and/or insurance contracts for detailed information on advisor compensation Refer to disclosure brochure, investment prospectus, offering circular and/or insurance contracts Note: Best suited for those clients with $100,000 or less in investable assets. Note: This service is for clients who qualify for SmartSelect SM, Preferred Asset Management and Prime Portfolio Services accounts. Best suited for those with $100,000 or more in investable assets Cetera Investment Services LLC /14
3 Defining Dreams Knowing where you want to go is the first step to getting there. Financial services are focused on the future. (After all, saving or investing in the present for the present doesn t really work.) When you envision your future, you probably notice that there are a few recurring scenes in which you depict yourself. Maybe it s sending your children to college, buying a vacation home, or retiring early. You might even dream of doing all three. Your financial objectives are usually very closely connected to your dreams for the future. But without careful planning and direct action, dreams often stay just that dreams. DREAM #1: DATE: / / AMOUNT: $ Our relationship together is designed to help you down your path to your dreams. Since we can t get there from here until we know where there is, we can use the questions below and the form at the right to help clarify your objectives. DREAM #2: Focus Your Vision How would you describe your dream or objective? When specifically do you want to achieve this dream? How much, in today s dollars, will you need? What are the steps you are currently taking towards achieving this dream? Are you satisfied or dissatisfied with your progress to date? What changes do you want to see? Is there anything else I need to know about this dream? Visualize achieving this dream. How do you feel? DATE: / / AMOUNT: $ DREAM #3: DATE: / / AMOUNT: $ Write It Down Use the form to the right to help define and prioritize your dreams. The clearer your vision, the easier it will be to determine what steps to take to get there. Afterward, we ll collect your asset and liability information to help assess how achievable your dreams are, and devise and test alternative options to give you the best chance of making them happen. Prioritize Shortfall Option Save more Reduce amount needed Lengthen time More risk Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS Insurance Agency), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Investments are: Not FDIC/NCUSIF insured May lose value Not financial institution guaranteed Not a deposit Not insured by any federal government agency Cetera Investment Services LLC /14
4 Identifying Key Financial Interests Use the table below to indicate those financial interests you have in light of the dreams you ve defined. These will further identify where you want to go. CURRENT FINANCIAL POSITION INVESTMENT PLANNING DEBT MANAGEMENT PROTECTION PLANNING I would like to build on my current financial position by: Balancing my assets and liabilities Understanding my cash flow Building cash reserves for unanticipated events I am investing for a specific purpose: Buying a house or second home Starting a business Building an investment portfolio I want to provide for my children: School/college UGMA/UTMA gifts I want to manage my existing capital by: Balancing my investments Maximizing the return on my investments Minimizing the impact of inflation I would like to reduce my costs by: Consolidating loans Evaluating mortgage options Considering leasing vs. buying I want to ensure I have the right amount and type of coverage for: Disability or illness Premature death Meeting my financial goals Planning for business continuation Protecting my personal assets (property) Understanding current coverage and Social Security Health and nursing care TAX PLANNING* RETIREMENT PLANNING HELPING LOVED ONES* FACTORS TO CONSIDER I would like assistance: Minimizing income taxes Minimizing capital gains taxes Using tax efficient investments Analyzing alternative taxation strategies Analyzing business owners tax strategies Partnering with a CPA I would like to ensure my retirement plan will help me: Project the impact of earlier or later retirement Build an investment portfolio Pursue hobbies, interests, and travel Buy a retirement home I would like to better understand: IRAs/SEPs/401(k)s Private pensions Personal investments Accessing the capital in my home I will need to manage future capital from: Pension lump sums Inheritances Business assets Income distribution strategies I would like help expanding my legacy through: Reducing inheritance taxes Lifetime giving Trusts Charitable giving Partnering with an attorney Planning for the smooth transfer of: Personal assets Business assets The following factors concern me most about my investments: Stability of capital and/or income Rate of return Diversification Accessibility Tax efficiency Growth potential (hedging inflation) Flexibility Freedom from care Professional review Stress testing my portfolio (bad timing, asset class sensitivity, etc.) * For a comprehensive review of your personal situation, always consult with a legal or tax advisor. Neither Cetera Investment Services, Cetera Investment Advisers nor any of its representatives may give legal or tax advice. Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS Insurance Agency), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Investments are: Not FDIC/NCUSIF insured May lose value Not financial institution guaranteed Not a deposit Not insured by any federal government agency.
5 Determining Your Current Financial Picture The information requested below will help identify where you are today. ESTIMATED NET WORTH ESTIMATED CASH FLOW Assets Balance Income Monthly Amount Expenses (continued) Monthly Amount Checking Wages, salary, tips Food Savings & credit union Cash dividends & interest Clothing Certificates of deposit Social Security Laundry/dry cleaning Money markets Pension Personal grooming, haircuts, etc. Other cash reserve assets Rents/royalties Child care Total cash reserves: Other income Child education, tutoring Government & treasury bonds Total income: Child allowance Municipal bonds Expenses Monthly Amount Total personal care expenses: Corporate bonds Mortgage or rent Unreimbursed medical Fixed annuities/life insurance Other mortgage(s) Unreimbursed dental Other fixed assets Bank loans Unreimbursed prescription drug Total fixed assets: Auto loans/leases Total medical/dental expenses: Investment real estate Credit cards Entertainment & dining Stocks Other debts Recreation Mutual funds Total liability expenses: Travel Variable annuities/life insurance Life insurance Home decoration/improvement Business interests Disability/long-term care insurance Hobbies, clubs & dues Other equity assets Medical/dental insurance Gifts Total equity assets: Homeowner s insurance Donations Residence Auto insurance Child music & sports activities Vacation home Umbrella liability Pets Furnishings Other insurance Total discretionary expenses: Jewelry & art Total insurance premiums: Federal & state income tax Vehicles Auto fuel FICA/OASDI tax Other property assets Auto maintenance Real estate tax Total personal assets: Parking Other tax ASSETS GRAND TOTAL: Other transportation Total taxes: Liabilities Balance Total transportation: Home mortgage Electricity, gas, water Cash reserve savings Other mortgage(s) Cable or satellite TV Investment contributions Bank loans Trash Retirement plan contributions Auto loans/leases Home phone Total savings and investments: Credit cards Cell phone Other debts Internet GRAND TOTAL EXPENSES Total liabilities: Home maintenance & INVESTING: Net worth (assets minus liabilities): Total household expenses: Net cash flow (income minus expenses): Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS Insurance Agency), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Investments are: Not FDIC/NCUSIF insured May lose value Not financial institution guaranteed Not a deposit Not insured by any federal government agency.
6 Staying on Course Now that we ve explored where you are today, and where you want to go, I want to show you the steps in the process we can use to help chart your course and stay on it. 1 3 We ve already begun to look at your overall picture in light of your financial objectives and dreams. Coupled with your needs for maintaining cash reserves as well as managing risk and debt, we ll gather and analyze additional information to further clarify your needs. 1 Identify needs and objectives 4 5 To help you achieve your goals, we ll need to define a strategy and implement it. 6 1 Critical to our success is determining if our strategy is keeping us on the course we wish to follow, and ensuring your needs and life events have not favored a change in strategy. After reviewing our progress and identifying any new needs or objectives, we will begin the process again to keep you on course to pursue your objectives. One more thing to consider In order to ensure you get the most out of our working together, it will help to imagine us sitting down three years from now. What will have to have happened in those three years for you to feel we have had a successful working relationship? 6 Review progress 5 Implement the plan Charting Your Course 2 Gather information 3 Analyze information Taking the next steps If you feel I can help you chart your course, and would like to work with me, we can schedule a meeting to review any additional documents we may need to further complete steps two and three (such as pay stubs, brokerage account statements, and retirement account information). Then we can begin the exciting process of developing strategies to chart your course toward the future you envision. 4 Develop a plan of action Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS Insurance Agency), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Investments are: Not FDIC/NCUSIF insured May lose value Not financial institution guaranteed Not a deposit Not insured by any federal government agency.
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