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Our Process

Six-Steps to Build and Protect Your Finances

Creating long-lasting relationships is at the core of our service. We want to understand who you are as an individual, your financial condition and your goals, so we can create a plan that’s unique to you. Our advisors will arrange regular financial "check-ups" to actively address and manage your needs.

Step 1: Goal Identification

  • Meet with us so we understand your financial objectives, both short-term and long-term.
  • We discuss specific goals such as retirement planning, wealth accumulation, or education funding.

Step 2: Data Gathering

  • You share relevant financial information, including income, expenses, assets, liabilities, and investment holdings.
  • We review documents such as tax returns, bank statements, investment statements, and insurance policies.

Step 3: Data Analysis

  • We analyze the collected data to assess your current financial situation.
  • We evaluate cash flow, risk tolerance, investment performance, and tax implications.

Step 4: Solution Development

  • Our team develops a customized financial solution tailored to your goals and circumstances.
  • We recommend specific strategies for investment allocation, risk management, tax planning, and estate planning.

Step 5: Execution Strategies

  • We present the proposed financial plan to you and discuss implementation strategies.
  • You execute the plan with our help, opening investment accounts, purchasing insurance policies, or adjusting asset allocations.

Step 6: Review

  • You meet with us for regular reviews and updates to the financial plan to ensure it remains aligned with your goals and objectives.
  • We monitor changes in your financial situation, market conditions, and tax laws*. And we make adjustments as needed.

*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.

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Our Approach

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Our Approach

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