Generally, householding your accounts will result in a financial benefit to you due to reduced overall management fees and you should consider householding where applicable. 

• Mutual Funds (expenses will vary). We review which fund is best for you at the time of purchase.
• Stocks & ETFs - we only charge cost of the trade.
• Listed Equities - $19 per trade plus $0.15 per share.
• Over the Counter Equities - $22 per ticket.
• ETFs - $22 per ticket.

$3.600 planning fee

• Half of the fee is collected upfront when the wealth plan agreement is signed.
  
• Remaining balance is collected when the plan is presented. 
• There is no annual maintenance fee.
• For our advisory clients with at least $500,000 or more, we provide complimentary financial planning at no additional cost.
• For those who are not advisory clients, we are able to consult on financial matters and/or create a personalized financial plan for a one-time fee,

1. Pension & Retirement Planning - Optimize Retirement Plan of Payment, PLOP, DROP, survivor options, and Social Security timing.
2. Investment Oversight - Tailored portfolios aligned with your goals and risk tolerance. 
3. Tax Planning - Minimize tax exposure while coordinating with retirement distribution strategies.* 
4. Estate Planning Coordination - Ensure your assets are protected and efficiently transferred. **
5. Insurance & Risk Analysis - Evalutate coverage to protect your family and income. 
6. Cash Flow & Debt Management - Plan for today while preparing for the future - mortgage analysis, debt management.
7. Other - This could include college planning, mortgage analysis, debt management, stock option analysis, business succession planning, etc.
   
   *In coordination with Tax Professional
   **In coordination with Legal Professional
   

• $500 per hour for non-clients
  
  Cetera advisors LLC exclusively provides investment products and services through it's representatives. Although Cetera does not provide tax or legal advice, or supervise tax, accounting or legal services, Cetera representatives may offer these services through their independent outside business. This information is not intended as tax or legal advise
  

Financial planning & consulting may be a complimentary no obligation service based on AUM provided to new and existing advisory clients. Financial planning & consulting Services are completed through a separate agreement from the Investment Management Services agreement. Professional Planning Services and Preferred Asset Management programs are used.