Advisory
A Cetera Advisory account is one of the best and simpliest ways for someone to build value for their future. Advisory clients pay a percentage fee per year which is linked to the value of their account(s). This percentage never changes, unless a client hits a breakpoint, and clients are fully disclosed of any changes to this.
Cetera Advisory accounts undergo constant monitoring from re-balances to asset re-allocations depending on any market or factor changes. These accounts require at minimum, an annual client review, and give clients peace-of-mind to know that their advisor is constantly tracking its results.
Advisory accounts are either Qualified (retirement) or Non-Qualified (non-retirement/investment growth-intended).
By having an Advisory account up to a certain value breakpoint, a majority of the other services we offer are included for no-additional charge. This subscription base is what most people think of when they hear about "financial advising."
Fee-For-Service
Cetera's proprietary program, AdvicePay, is the ultimate fee-for-service platform. With eSign-able documents and to-the-minute invoices, this pay-as-you go system offers another option for clients.
Some clients simply prefer services on a one-time basis. Lifetime Budget Analysis or Current Insurance Policy Reviews are just a handful of services we can provide quick and easy.
This option is also suitable for young or aggressively growing value clients who do not need direct hands-on active management of their assets or do not meet certain requirements for Advisory.
AdvicePay is for the niche investor who doesn't fit a specific category but still wants highly regarded financial advice.