WEALTH MANAGEMENT PLATFORM

Transcription

1 My Advice Architect is an Advice Architect Ecosystem solution. AN END-TO-END WEALTH MANAGEMENT PLATFORM

2 DEMONSTRATING THE VALUE OF YOUR ADVICE HAS NEVER BEEN EASIER While every client is different, all of your clients rely on you to provide them with personalized investment advice to help them reach their financial goals. With the increasing demands placed on you and your time, you need tools that help you effectively and efficiently deliver this advice and make it easier for you to run and grow your business. For use with financial professionals only. 2

3 My Advice Architect from Cetera Financial Group is a comprehensive wealth management platform designed to do just that. Part of Cetera s advice-centric technology solution suite, it brings enhanced power and choice to your advisory business. Everything within it has been designed to make the implementation of advice better and easier. My Advice Architect puts a diverse complement of investment solutions, tools and support at your fingertips. And while its userfriendly interface is geared toward simplifying portfolio design and management, it doesn t compromise on sophistication or capabilities. Much more than the typical platform, My Advice Architect is an agile confluence of portfolio management, technology and client presentation features backed by support from a variety of internal resource teams and wealth management consultants empowering you to give your clients what they expect: a polished vision and clear implementation plan of how you can help them achieve their goals. Key Benefits Powerful yet intuitive interface Innovative program offering Single agreement covers all programs Transparent, competitive pricing Enhanced monitoring tools For use with financial professionals only. 3

4 ONE SOURCE FOR ALL YOUR PORTFOLIO MANAGEMENT NEEDS My Advice Architect is founded on choice and guidance, helping you provide investment solutions across the spectrum of client needs and preferences. You can draw from advisor-directed to fully turnkey solutions, or with the innovative and flexible Unified Program, you can combine any mix of advisor-directed and/ or third-party strategies and models into a single custodial account. 1 Monitoring, rebalancing, trading and reporting are faster and easier to implement, simplifying the process of developing more effective and better-diversified investment solutions for your clients. With so many options available, one of the most important resources you have at your disposal is the advice and support you will receive from the teams at Cetera. With services covering general inquiries to technology support to investment expertise, they will help you turn questions into answers; problems into solutions. From proposal generation to portfolio implementation to ongoing client management, My Advice Architect helps you create an advice-centric experience for your clients, streamlining your workflow and giving you more centralized control over portfolio management ultimately making your business more profitable. 1 Per registration type For use with financial professionals only. 4

5 Proposal Generation Account Maintenance Portfolio Creation Advice & Support My Advice Architect Rebalancing & Trading Reporting Monitoring For use with financial professionals only. 5

6 FEATURES DESIGNED AROUND YOU With its guided workflow and intuitive layout, every feature is designed to help you deliver an advice-centric experience and further enhance your ability to become the trusted guide of your clients financial futures. Proposal Generation Create a target risk score for your client through the builtin risk-tolerance assessment Obtain a complete picture of your client s current investments by easily importing their existing holdings Include multiple accounts across programs and registration types on the same proposal Provide a statement of investment selection (SIS) that shows clients how their assets will be invested while documenting their risk tolerance, fees to be paid, and other key items Portfolio Creation Build confidence in your investment recommendations by drawing on integrated manager and product research and Cetera s guidance to identify solutions that address specific client objectives Pull from a vast array of securities to structure your own models Access more than 100 strategists and 300 separate account managers Simplify portfolio construction with investment policy rules built into the proposal workflow and trading engine Rebalancing & Trading Save time and efficiently manage large numbers of client accounts with an investment system similar to those used by institutional portfolio managers Adjust exposures and implement model or allocation changes across multiple accounts through a powerful rebalancing engine For use with financial professionals only. 6

7 Account Maintenance Monitoring Reporting Advice & Support Link multiple accounts across a household for reporting purposes Easily identify accounts for which you may need to raise cash to pay advisory fees, or accounts with potential tax losses Automatically monitor portfolio drift and set your own parameters for position drifts (Advisor Program) or elect to outsource (Unified and Guided Programs) Deliver a broad array of highly polished client reports through on-demand performance reporting, cost basis, holdings reports and more View up-to-date portfolio performance as of the previous day s market close Leverage access to investment professionals to help make the right choices for your clients Address specific client objectives and preferences and navigate to solutions faster leveraging our recommended and featured lists Create your own blended benchmarks from a select list of indices for clientfacing quarterly performance reports For use with financial professionals only. 7

8 SOLUTIONS FOR EVERY ADVISOR, EVERY CLIENT My Advice Architect comprises three investment programs the Unified Program, the Guided Program, and the Advisor Program conveniently built on the same platform and using the same underlying technology. Individually or in concert, these programs can help you develop solutions for each of your client s investment needs and preferences all with pricing that is highly competitive and includes household discount pricing for clients and volume-based discounts for you. For more information about My Advice Architect or any of the programs detailed on the following pages, contact the Wealth Management Advisory Consulting Team at For use with financial professionals only. 8

9 Unified Program The Unified Program lets you combine any number of models into one custodial account, including models you create and those of third-party investment managers and strategists. Guided Program The Guided Program allows you to leverage asset allocation models created by third-party providers and enables you to customize through asset-class weight adjustments and fund selection. Advisor Program The Advisor Program is an open-architecture advisor-directed solution for both discretionary and non-discretionary accounts. For use with financial professionals only. 9

10 UNIFIED PROGRAM DIVERSIFICATION SIMPLIFIED WITH FLEXIBILITY AND EFFICIENCY VIA A SINGLE CLIENT ACCOUNT Overview The Unified Program introduces innovative portfolio management capabilities that let you combine any number of models into one custodial account. 2 This includes models you create, as well as those of third-party investment managers and strategists. Building such portfolios produces effective investment solutions in an extremely efficient way. Functions like rebalancing, trading and tax management are vastly simplified, which further enhance the value you deliver. Now, you can offer your clients increased diversification without increasing demands on your practice. Key Program Benefits Access to multiple institutional money managers under one custodial account Ability to diversify portfolios utilizing a combination of advisor-directed and third-party models/strategies Discretionary model updates can be made without client signature Fund Strategist Portfolio Featured List provides guidance and facilitates choices Single asset-based fee Confirmation suppression available Proxies voted by platform manager Tax harvesting available 2 Per registration type For use with financial professionals only. 10

11 Minimum Account Size Strategists starting at $10,000 Managers starting at $25,000 3 Advisor models starting at $25,000 Client Fees Client pays the sum of the advisor fee, program fee and manager fee Household pricing available for applicable client accounts 4 Advisor sets their fee (up to 2%) Fees are assessed quarterly in advance Advisor fee is paid monthly to IARs Account is subject to a minimum annual program fee of $99 Manager fees range from 0.025% - 1.2% Program Fee Schedule Account Value Fee 5 first $0 - $250, % next $250,001 - $500, % next $500,001 - $750, % next $750,001 - $1,500, % next $1,500,001 - $3,500, % over $3,500, % Program fee includes: Trading and rebalancing costs, due diligence, clearing and custody costs, reporting and billing fees 6 Ticket charges Annual IRA maintenance fee Prospectus delivery fees An Advice-Centric Advisor Experience Within the Unified Program, you have access to over 100 strategists offering more than 800 mutual fund and ETF portfolios. Such a broad offering could seem overwhelming were it not for the guidance of Cetera Financial Group s Fund Strategist Portfolio Featured List. Comprising a diverse menu of top-tier strategists, this list helps you with the strategist selection process. It allows you to quickly navigate to solutions that correspond to where clients are in their economic life cycle from accumulation to decumulation while still accounting for individual investor preferences such as risk appetite and preferred implementation styles. While My Advice Architect is designed to help you offer an advice-centric experience for your clients, its remarkable breadth of choice is matched by a commitment to deliver it with an equally remarkable level of advice and guidance for you. 3 Refer to the Research Center in My Advice Architect for manager minimums 4 Only applicable to advisor and program fees; does not include manager fee 5 Fees do not include applicable manager/strategist fees 6 Accounts with excessive trading may be subject to early termination For use with financial professionals only. 11

12 GUIDED PROGRAM SIMPLIFY PORTFOLIO CONSTRUCTION WHILE OFFERING SOLUTIONS CUSTOMIZED TO EACH CLIENT Overview The Guided Program allows you to draw on the support and experience of the model provider to effectively construct and manage fully diversified portfolios. Your client is reassured by the fact that while their portfolio is directly managed by you, it s also guided by the research insights and sound model management of the institutional model provider. Key Program Benefits Asset allocation models designed and managed on an ongoing basis by the model provider, allowing you more time for relationship management Customize by over/underweighting any asset class in the model (within predefined constraints) Pick from a select list of mutual funds chosen by the model provider Manage Guided Program accounts online according to each client s risk profile, including making model revisions and setting rebalancing frequency parameters For use with financial professionals only. 12

13 Minimum Account Size $25,000 Fund Selection Select list of high-quality mutual funds to choose from Client Fees Client pays the sum of the advisor fee, program fee and model provider fee Household pricing available for applicable client accounts 7 Advisor sets their fee (up to 2%) Fees are assessed quarterly in advance Advisor fee is paid monthly to IARs Account is subject to a minimum annual program fee of $99 Model provider fee is 0.03% Program Fee Schedule Account Value Fee 8 first $0 - $250, % next $250,001 - $500, % next $500,001 - $750, % next $750,001 - $1,000, % next $1,000,001 - $2,000, % over $2,000, % Program fee includes: Trading and rebalancing costs, due diligence, clearing and custody costs, reporting and billing fees 9 Ticket charges paid by program Annual IRA maintenance fee Prospectus delivery fees 7 Only applicable to advisor and program fees; does not include model provider fee 8 Fees do not include applicable manager/strategist fees 9 Accounts with excessive trading may be subject to early termination For use with financial professionals only. 13

14 ADVISOR PROGRAM OPEN ARCHITECTURE ALLOWS YOU TO BUILD AND MANAGE FULLY CUSTOMIZED PORTFOLIOS Overview The Advisor Program gives you the power to give clients a portfolio managed by you with attention to their individual needs. The value proposition to your clients is the comfort that comes from having direct, personal contact with the person responsible for the management of their investments, while you benefit from being able to provide this service with state-of-the-art modeling, rebalancing and performance reporting tools at your fingertips. Key Program Benefits Open architecture No transaction costs Research Select List Ability to link multiple accounts across a household for reporting purposes Sophisticated modeling, rebalancing and performance-reporting tools Discretionary and non-discretionary accounts available For use with financial professionals only. 14

15 Minimum Account Size $25,000 Product Selection Mutual Funds Equities ETFs Over-the-Counter and Listed Stocks Closed-End Funds Unit Investment Trusts Municipal Bonds Corporate Bonds Treasuries Collateralized Mortgage Obligations Agency Bonds Certificates of Deposit Structured Products including Principal Protected Notes Client Fees Client pays the sum of the advisor fee and program fee Household pricing available for applicable client accounts Advisor fee is paid monthly to IARs Account is subject to a minimum annual program fee of $99 Advisor sets their fee (up to 2%) Fees are assessed quarterly in advance Program Fee Schedule Account Value Fee first $0 - $500, % next $500,001 - $1,200, % next $1,200,001 - $2,500, % next $2,500,001 - $5,000, % over $5,000, % Program fee includes: Trading and rebalancing costs, due diligence, clearing and custody costs, reporting and billing fees 10 Ticket charges Annual IRA maintenance fee Prospectus delivery fees 10 Accounts with excessive trading may be subject to early termination For use with financial professionals only. 15

16 For more information, please contact: Cetera Financial Group, Inc. 200 N. Sepulveda Blvd., Suite 1200 El Segundo, CA cetera.com About Cetera Financial Group Cetera Financial Group (Cetera ) is a leading network of independent firms empowering the delivery of professional financial advice to individuals, families and company retirement plans across the country through trusted financial advisors and financial institutions. Cetera is the second-largest independent financial advisor network in the nation by number of advisors, as well as a leading provider of retail services to the investment programs of banks and credit unions. Through its multiple distinct firms, Cetera offers independent and institutions-based advisors the benefits of a large, established brokerdealer and registered investment adviser, while serving advisors and institutions in a way that is customized to their needs and aspirations. Advisor support resources offered through Cetera include award-winning wealth management and advisory platforms, comprehensive broker-dealer and registered investment adviser services, practice management support and innovative technology. For more information, visit cetera.com. Cetera Financial Group refers to the network of independent retail firms encompassing, among others, Cetera Advisors, Cetera Advisor Networks, Cetera Investment Services (marketed as Cetera Financial Institutions), Cetera Financial Specialists, First Allied Securities, Girard Securities, and Summit Brokerage Services. All firms are members FINRA/SIPC. Advisory services offered through Cetera Advisory Services LLC, a registered investment adviser. For use with financial professionals only Cetera Financial Group, Inc /17