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.