Outside assets are not included in the Advisory Management Fees 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.

For our advisory clients (financial planning and investment management) with $500,000 or more in advisory assets, we provide financial planning at no additioanl 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.

$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 in coordination with Tax Professional. 
4. Estate Planning Coordination - Ensure your assets are protected and efficiently transferred in coordination with Legal Professional. 
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 susccession planning, etc.

• $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
  

Please refer to the firm's ADV Part 2A and the client's agreement for additional platform, strategist or any related fees that may apply. Professional Planning Services and Preferred Asset Management programs are used. 

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.