Financial Watch | January 2026
View as PDF

Financial Watch | January 2026

It’s tempting to set ambitious goals at the start of a new year. Chances are, you don’t need a major overhaul to notably improve your finances in the new year. A simple tune-up may be enough. In this month's Financial Watch find out what seven steps to incorporate that can serve you for life.

Retire Wise | January 2026
View as PDF

Retire Wise | January 2026

According to a recent survey, two-thirds of Americans are experiencing moderate to high financial stress, and half aren’t financially prepared for the unexpected. Concerns stemming from insufficient savings, rising healthcare costs, inflation, and the economy can contribute to financial stress at any age, but can be especially worrisome for those in retirement and living on a fixed income. In this month's Retire Wise find out what habits can help you replace financial anxiety with confidence when it comes to managing your finances in retirement.

January 12, 2026

Financial Advisor Kim Ramchandani Joins Cetera from LPL

Press Room Financial Advisor Kim Ramchandani Joins Cetera from LPL

Veteran advisor focused on empathetic service, transparent guidance, and lifelong client relationships selects Cetera to support her growth plans

SAN DIEGO – Jan. 12, 2026 – Cetera welcomes financial advisor Kim Ramchandani and her deeply personal, relationship-driven approach to financial planning that emphasizes education, transparency and long-term client support. She now is affiliating with Cetera after nearly 20 years at LPL, where her experience included managing approximately $206 million in assets under administration.*

Tax Strategies

Tax-Intelligent Planning

The smart bet for lasting growth

Approximately 27% of client growth is attributable to a tax-inclusive planning approach1. Cetera empowers you to seamlessly integrate tax-intelligent strategies into your client relationships and deliver stronger after-tax results.

Learn more about tax-intelligent strategies

Add 1.17% annually to your client’s portfolio.

Add 1.17% annually to your client’s portfolio.2

Offset investment gains to minimize clients’  tax bill.

Offset investment gains to minimize clients’ tax bill.

Deepen client trust and loyalty through proactive planning.

Deepen client trust and loyalty through proactive planning.

Left Icon

Add 1.17% annually to your client’s portfolio.2

Middle Icon

Offset investment gains to minimize clients’ tax bill.

Right Icon

Deepen client trust and loyalty through proactive planning.

_

_

Tax drag is costing your clients

Unnecessary tax drag is costing billions from clients’ wealth—and they know it. HNW clients increasingly demand advisors to make tax planning a core offering as a part of their financial management.

Dices

Your practice, your roll

The odds don't have to be left to chance. With Cetera, you bring the vision, and we bring the tax-intelligent strategies. Together, we build a future that’s not just secure, but unstoppable. 

Let’s talk about how we help you protect your clients’ wealth and accelerate your growth with tax-intelligent planning.

Book A Meeting Now

Transforming taxes into opportunity

The industry is changing fast. Hear from Clint Brookshire, Avantax by Cetera Community Leader and CFP®, about how tax-intelligent planning has become the differentiator—and not using it may be financial malpractice.

Contact Representative BG John John Purple Plane

Talk with us today

Let's explore how tax intelligence can set you and your clients up for growth and greater success.

Book A Meeting Now

1Arizent 2020 tax and financial advisor professionals survey
2Russell Investments’ 2021 Value of an Advisor survey

/* custom hero banner settings */ .cet-mb-hb { margin-bottom: 180px !important; } .two-row-hero-banner.purpleclr.cet-hu.parallax-visible { transform: translate(-50%, -40%); } @media (min-width: 606px) and (max-width: 991.98px) { .two-row-hero-banner.purpleclr.cet-hu.parallax-visible { transform: translate(-50%, -35%); } .cet-mb-hb { margin-bottom: 220px !important; } } @media (min-width: 576px) and (max-width: 605.98px) { .two-row-hero-banner.purpleclr.cet-hu.parallax-visible { transform: translate(-50%, -30%); } .cet-mb-hb { margin-bottom: 220px !im
January 13, 2026

Forward Bank Partners with Cetera Financial Institutions to Support Future Growth of Its Investment Program

Press Room Forward Bank Partners with Cetera Financial Institutions to Support Future Growth of Its Investment Program

Investment program overseeing approximately $350 million in client assets returns to Cetera, focused on growth and offering personalized service to rural communities in Wisconsin and Minnesota

SAN DIEGO – Jan. 13, 2026 – Cetera Financial Institutions has partnered with Forward Bank to support the growth and evolution of its investment program, Forward Investment Services*. After four years with Osaic Wealth, Forward Bank returns to Cetera where it had previously been affiliated for 15 years. The renewed Cetera partnership reflects a shared commitment to relationship-driven advice, personalized service, and long-term support for rural communities.

January 07, 2026

Cetera Chief Operating Officer Tom Gooley to Retire Following Planned Transition

Press Room Cetera Chief Operating Officer Tom Gooley to Retire Following Planned Transition

Retirement caps a high-impact career that delivered innovation, efficiency and leadership continuity, all while forming a strong foundation for what’s next at Cetera

SAN DIEGO – Jan. 7, 2026 – Cetera today announced that Chief Operating Officer Tom Gooley plans to retire following a patiently planned transition. Gooley’s retirement marks the culmination of a successful growth chapter at Cetera, and his tenure is an impressive capstone on a legacy of leadership roles across the financial services industry.

Subscribe to