Mutual Funds/ Exchange Traded Funds Advisory Program
Mutual Funds/ Exchange Traded Funds Advisory Program
Mutual Funds/Exchange Traded Funds Advisory Program } Through the Mutual Funds/Exchange Traded Funds (MF/ETF) Advisory program, we will align your investment strategy with your specific risk tolerance and long-term needs to help achieve your unique financial goals. This program features active management, diversification and access to leading institutional money managers. It offers a wide range of asset allocation portfolios strategically built to help accomplish your particular investment objectives. As your investment adviser representative, I will work with you to determine the appropriate asset allocation and strategy best suited for your investment profile and to help meet your financial goals. Together, you and I will periodically review your portfolio to help keep it in line with your investment policy. Various investment strategies are available to address changing market conditions. Asset allocations for these investment strategies are constructed based on the overall risk and return profile of the market.
Key Features: ϩϩ Access to institutional portfolio management expertise ϩϩ Consolidate multiple investment strategies into one custodial account ϩϩ Periodic reviews of portfolios and automatic rebalancing ϩϩ Taxable and tax-sensitive portfolios available ϩϩ A combination of mutual funds and exchange traded funds designed to help meet
your specific investment needs ϩϩ Access to an actively managed investment solution; all-inclusive
fee*—no ticket charge ϩϩ Monthly activity statements from Pershing LLC, the custodian of accounts,
as well as online viewing ϩϩ Quarterly performance reporting
* In addition to fees paid for advisory services with respect to your investments in mutual funds, you may pay additional mutual fund expenses, including management, trading and marketing fees. Mutual fund expenses, 12(b)-1 service fees, and any deferred sales charges are fully disclosed in the mutual fund prospectus. Contact your investment adviser representative for a listing of all fees, charges and expenses related to this program. Such information is also listed in the firm’s Form ADV Part 2A and disclosure brochure as provided. Investing in mutual funds is subject to risk and potential loss of principal. There is no assurance or certainty that any investment or strategy will be successful in meeting its objectives. Investors should consider the investment objectives, risks and charges and expenses of the fund carefully before investing. The prospectus contains this and other information about the funds which should be read carefully before investing or sending money. Securities and advisory services offered through Cetera Advisors LLC (doing insurance business in CA as CFGA Insurance Agency), member FINRA/SIPC. Investments are: • Not FDIC/NCUSIF insured • May lose value • Not financial institution guaranteed • Not a deposit • Not insured by any federal government agency. Advisory services may only be offered by investment adviser representatives in conjunction with the firm advisory services agreement and disclosure brochure as provided.
Cetera Advisors LLC, Member FINRA/SIPC 4600 S. Syracuse Street, Suite 600, Denver, CO 80237 © 2013 Cetera Advisors LLC 12-1027 MF-ETF-F 03/13
Mutual Funds/Exchange Traded Funds Advisory Program } Through the Mutual Funds/Exchange Traded Funds (MF/ETF) Advisory program, we will align your investment strategy with your specific risk tolerance and long-term needs to help achieve your unique financial goals. This program features active management, diversification and access to leading institutional money managers. It offers a wide range of asset allocation portfolios strategically built to help accomplish your particular investment objectives. As your investment adviser representative, I will work with you to determine the appropriate asset allocation and strategy best suited for your investment profile and to help meet your financial goals. Together, you and I will periodically review your portfolio to help keep it in line with your investment policy. Various investment strategies are available to address changing market conditions. Asset allocations for these investment strategies are constructed based on the overall risk and return profile of the market.
Key Features: ϩϩ Access to institutional portfolio management expertise ϩϩ Consolidate multiple investment strategies into one custodial account ϩϩ Periodic reviews of portfolios and automatic rebalancing ϩϩ Taxable and tax-sensitive portfolios available ϩϩ A combination of mutual funds and exchange traded funds designed to help meet
your specific investment needs ϩϩ Access to an actively managed investment solution; all-inclusive
fee*—no ticket charge ϩϩ Monthly activity statements from Pershing LLC, the custodian of accounts,
as well as online viewing ϩϩ Quarterly performance reporting
* In addition to fees paid for advisory services with respect to your investments in mutual funds, you may pay additional mutual fund expenses, including management, trading and marketing fees. Mutual fund expenses, 12(b)-1 service fees, and any deferred sales charges are fully disclosed in the mutual fund prospectus. Contact your investment adviser representative for a listing of all fees, charges and expenses related to this program. Such information is also listed in the firm’s Form ADV Part 2A and disclosure brochure as provided. Investing in mutual funds is subject to risk and potential loss of principal. There is no assurance or certainty that any investment or strategy will be successful in meeting its objectives. Investors should consider the investment objectives, risks and charges and expenses of the fund carefully before investing. The prospectus contains this and other information about the funds which should be read carefully before investing or sending money. Securities and advisory services offered through Cetera Advisors LLC (doing insurance business in CA as CFGA Insurance Agency), member FINRA/SIPC. Investments are: • Not FDIC/NCUSIF insured • May lose value • Not financial institution guaranteed • Not a deposit • Not insured by any federal government agency. Advisory services may only be offered by investment adviser representatives in conjunction with the firm advisory services agreement and disclosure brochure as provided.
Cetera Advisors LLC, Member FINRA/SIPC 4600 S. Syracuse Street, Suite 600, Denver, CO 80237 © 2013 Cetera Advisors LLC 12-1027 MF-ETF-F 03/13
