Customized Client Service Model
ADVISORY BASED SERVICES
FINANCIAL PLANNING & PORTFOLIO ANALYSIS
PERSONLIZED FINANCIAL PLAN
- RESEARCH COMPETITIVE PRODUCTS
- DESCRIBE ALTERNATIVES
- RECOMMEND SOLUTIONS
- FACILITATE TRANSACTIONS
- REVIEW ACCOUNT PERFORMANCE
IN-DEPTH ANALYSIS OF SOME OR ALL OF THE FOLLOWING:
- NET WORTH AND CASH FLOW MANAGEMENT (BUDGET)
- INVESTMENT MANAGEMENT STRATEGIES
- ASSET ALLOCATION ANALYSIS
- RISK MANAGEMENT ANALYSIS AND PROTECTION PLANNING
- RETIREMENT PLANNING PROJECTIONS
- SOCIAL SECURITY PLANNING
- ESTATE PLANNING
- TAX PLANNING
- EDUCATION PLANNING
- IN-DEPTH PRODUCT/FINANCIAL RESEARCH, ALTERNATIVES AND RECOMMENDATIONS BASED ON ANALYSIS
- WORK WITH YOUR FAMILY MEMBERS AND TEAM OF PROFESSIONALS(I.E. ATTORNEY AND CPA) AS NEEDED AND REQUESTED
- CONSOLIDATE STATEMENTS, CLIENT WEB ACCESS
- PORTFOLIO MANAGEMENT
- AUTO-RE BALANCING
FINANICAL PLANNING ACTION STEPS:
DISCOVERY SESSION (45 MINUTES)
- REVIEW THE PLANNING PROCESS, DISCUSS YOUR GOALS AND FEES ASSOCIATED WITH WORKING TOGETHER. DETERMINE IF WE ARE A GOOD FIT FOR ONE ANOTHER
STRATEGY & SOLUTIONS MEETINGS (WITH CLIENT AND TEAM MEMBERS)
- REFINE SHORT/LONG TERM GOALS, REVIEW CASH FLOW, REVIEW ASSETS AND LIABILITES
ACTION AND REVIEW SESSIONS
- PRESENTATION OF CONSOLIDATED WRITTEN FINANCIAL PLAN, IMPLEMENT YOUR CUSTOM PLAN, CONSOLIDATE ACCOUNTS, AND REVIEW PROGRESS
ONGOING:
- RECOMMEND TWO TO FOUR SERVICE CONTACTS/YEAR
- PLAN UPDATED AS NEEDED
- UPDATE SUITABILITY PER SEC REQUIREMENTS
COMPENSATION MODEL
ADVICED BASED RELATIONSHIP SERVICES:
- MONTHLY SUBSCRIPTION(SILVER STARTS AT $100/MONTH)
- $200 PER HOUR
- YEARLY RETAINER ($1,500 MIN.)
401(K) QUALIFIED PLAN ADVISEMENT: $600 A YEAR OR % OF ASSETS IN RETIREMENT PLAN
COMMISSIONS: ON POTENTIAL LIFE PRODUCT SALES, HEALTH INSURANCE, LONG-TERM CARE, ANNUITIES, DISABILITY AND COLLEGE FUNDING
ADVISORY FEES: MAY VARY BASED ON HOUSEHOLD
UP TO $500,000 1.35%
NEXT $500,000 1.00%
NEXT $1,500,000 0.90%
NEXT $2,500,000 0.80%
ABOVE $5,000,000 0.50%
All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful.
Asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns.
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.