A DYNAMIC PARTNERSHIP
Working together to pursue your goal.
Top reasons why clients look for a strategic financial partner:
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Our best practices: Observing the four obligations ofRegulation Best Interest (REG BI) to act in your best interest.
 CONFLICT OF INTEREST
On June 15, 2019, the Securities and Exchange Commission ("Commission") adopted Regulation Best Interest, which establishes a new standard of conduct under the Securities Exchange Act of 1934 ("Exchange Act") for broker-dealers and natural persons who are associated persons of a broker-dealer ("associated persons") (unless otherwise indicated, together referred to as "broker-dealer" or "you") when making a recommendation of any securities transaction or investment strategy involving securities (including account recommendations) to a retail customer. When making such a recommendation to a retail customer, we must act in the best interest of the retail customer at the time the recommendation is made, without placing our financial or other interest ahead of the retail customer's interest.
Click on the button below to learn more about our Customer Relationship Summary (CRS) and about Regulation Best Interest (REG BI).
Provide certain required disclosure before or at the time of the recommendation, about the recommendation and the relationship between you and your retail customer.
Exercise reasonable diligence, care, and skill in making the recommendation.
CONFLICT OF INTEREST:
Establish, maintain, and enforce written policies and procedures reasonably designed to address conflicts of interest.
Establish, maintain, and enforce written policies and procedures reasonably designed to achieve compliance with Regulation Best Interest.
What Types of Investment Services Do You Provide?
Depending on your needs and investment objective, we can provide you with brokerage services, investment advisory services, or both at the same time.
As you consider the type of relationship you may wish to establish with us, ask your Financial Professional the following questions:
What Fees Will I Pay?
Fees and costs affect the value of your account over time. Ask your Financial Professional to give you personalized information on the fees and costs that you will pay if you choose a brokerage account and/or an investment advisory account. You will pay fees and costs whether you make or lose money on your investments, and regardless of which type of account you select. Fees and costs will reduce any amount of money you make on your investments over time. Be aware that you understand what fees and costs you are paying.
Our Legal Obligations to Clients and Conflicts of Interest.
When we make recommendations as your broker-dealer or act as your investment adviser, we must act in your best interest and not place our interest ahead of yours. When we act as your investment adviser, we are subject to a fiduciary duty that creates other obligation to you. In either case, the way we make money creates some conflicts with your interests. You should understand and ask us about these conflicts because they can affect the recommendations and investment advice that we provide you. All financial services companies have conflicts of interest. Most conflicts arise out of how we and our Financial Professionals are compensated, by whom they are paid, and who has an incentive to recommend a given investment or service. There are a number of conflicts of interest associated with the compensation that we and our Financial Professionals receive. We have adopted conflict mitigation practices that are tailored to the nature and scope of our conflicts of interest where we believe they are necessary or appropriate.
Do You or Your Financial Professionals Have Legal or Disciplinary History?
SEC and FINRA rules provide that certain types of legal and disciplinary matters involving broker-dealers, RIAs, and Financial Professionals must be reported through the Central Registration Depository ("CRD") system. Both Cetera Advisors and some of our Financial Professionals have legal and disciplinary disclosures. For additional information about our Financial Professionals and services, visit Investor.gov or BrokerCheck.Finra.org.