Our approach is to help you set your financial goals, and provide you the guidance, tools and strategies that can help you achieve them.
You can expect us to do a thorough review of your current financial situation, discuss your goals, develop a plan designed to help you reach those goals, implement your plan, provide you with progress reviews over time, and make necessary changes as your life evolves and circumstances change.
INTRODUCTORY MEETING – What you can expect
Our first meeting is a crucial step in financial planning and building a long-term relationship based on trust and communication. By having an open and honest conversation, we'll set the foundation for a successful relationship.
During the first meeting, we will discuss:
UNDERSTANDING YOUR SITUATION
After agreeing to the scope of the engagement, we gather info on your current finances and personal circumstances, discussing risk tolerance and exposure to longevity, economic, liability, and health-care risks.
GOAL SETTING
Now that we have an in-depth understanding of your situation, our next step is to establish your financial goals making sure we’re on the same page with our assumptions and forecasts about achieving your financial goals.
FINANCIAL STRENGTHS AND VULNERABILITIES ANALYSIS
Depending upon your current financial circumstances, including cash flow, asset protection, retirement planning, emergency fund and other financial data, we’ll set a course of action, and alternative courses of action to ensure you’re on track or if we need to make any adjustments.
CREATING FINANCIAL PLANNING RECOMMENDATIONS
Based on our fact finding, we’ll develop recommendations to help you meet your goals, considering all available options through financial modeling with reasonable assumptions. Our goal is to maximize the potential for reaching your goals, including life, health, and planning for future generations.
PRESENTING OUR RECOMMENDATIONS
When we present you with your financial plan, we’ll explain recommendations, assumptions and implementation timeline. During this meeting you will have the opportunity to provide feedback, ask questions and discuss adjustments to the plan.
IMPLEMENTING YOUR FINANCIAL PLAN
After discussing and agreeing on our recommendations, we’ll implement your plan with the products we discussed to help achieve your financial goals.
MONITORING PERFORMANCE
We view monitoring and adjusting your plan as a collaborative process. Our job is to ensure you're on track to meet your financial goals, and your responsibility is to inform us of any changes in your personal circumstances that may require plan adjustments.
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.
Asset allocation, which is driven by complex mathematical models, cannot eliminate the risk of fluctuating prices and uncertain returns.
Re-balancing may be a taxable event. Before you take any specific action be sure to consult with your tax professional.
Cetera Wealth Partners is a region of Cetera Advisor Networks. Securities and advisory services offered through Cetera Advisor Networks LLC., member FINRA/SIPC, a broker/dealer and a Registered Investment Adviser. Cetera is under separate ownership from any other named entity.
Individuals affiliated with this broker/dealer firm are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.
This site is published for residents of the United States only. Registered representatives of Cetera Advisor Networks LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every representative listed. For additional information, please contact the representative (s) listed on the site or visit the Cetera Advisor Networks site at www.ceteraadvisornetworks.com
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