Our independent business model ensures we have the autonomy and discretion to put you at the center of all investment strategies and business decisions. Just as we stand behind you to help you pursue your financial dreams, we have teams standing behind us supporting our business. These organizations also strengthen our relationship with you by providing the resources we need to offer superior service. We'd like you to know more about these organizations and why we have chosen to work with them.

Cetera Financial Specialists is part of Cetera Financial Group, an industry-leading network of independently managed broker-dealers. Cetera’s broker-dealers deliver award-winning advisory products and solutions, and sophisticated trading and technology platforms to me and other financial professionals across all 50 states. You can be confident that their tools, technology, and support help make me more effective in serving you.

While a broker-dealer helps supervise and facilitate the trading that converts your cash into invested assets, those assets are actually held by a custodian. Cetera Financial Specialists works with three custodians. Cetera Investment Services LLC custodies individual retirement accounts (IRAs) to ensure they meet Internal Revenue Code requirements for tax deferral. Pershing and Charles Schwab & Co., Inc. custody brokerage accounts (including the brokerage accounts within IRAs) and fulfill a legal responsibility for safeguard-ing your assets while also providing related administrative services on your behalf, including settlement of purchases, tax and account recordkeeping, monthly statements, confidentiality and data integrity protections, and more. BNY is the corporate brand of The Bank of New York Mellon Corporation and may be used to reference the corporation as a whole and/or its various subsidiaries generally.

Pershing is a subsidiary of The Bank of New York Mellon Corporation, which is the nation’s oldest continuously operating bank and one of the world’s leading providers of securities services. Schwab has more than 20 years of experience serving independent investment professionals, and was a pioneer in the business of serving them and their clients. Like Cetera Financial Specialists, Pershing and Schwab have to meet certain net capital requirements and are subject to regular audits, both internally and by independent firms, to ensure the appropriate handling, segregation, and protection of investors’ assets.

While the organizations behind us play important roles in serving your needs, the most important relationship we have is undoubtedly with you. We work with these organizations to make it easier for us to work for you. If you'd like more information about them, please don’t hesitate to ask. We want you to feel confident that you understand, to your satisfaction, how we work with and through these organizations, why we have chosen to work with Cetera Financial Specialists, and the absolute priority both Cetera Financial Specialists and our team place on our relationship with you.

About Cetera Financial Group: “Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms are members FINRA / SIPC. Located at 655 W. Broadway, 11th Floor, San Diego, CA 92101.