Cetera Investment Services | e-Delivery

Home Cetera Investment Services Disclosures E-Delivery

E-Delivery

Once you access your brokerage account online, you can stop the paper and choose e-Delivery!

Receive many of your account documents electronically. Review them. Save them. Print them. Delete them. It’s your choice—you have the control. Save a tree and elect to receive your investor communications electronically. It’s the GREEN thing to do!

Make sure you have activated your online account viewing first, then follow these steps to enjoy e-Delivery:

  1. Go to your online brokerage access website located at:
    https://myaccount.iconnect2invest.com/bankr/login.do?webcontext=iconnect
  2. Access your account
  3. Click on My eDocuments
  4. Follow the onscreen prompts
  5. Click the Submit button

We will email you when you have a communication ready. Click on the link in the email and log in. That’s all there is to it. If you still have questions, contact your financial professional. Start enjoying e-Delivery today!

Cetera Investment Services | Non-Deposit Investment Product Disclosure

Home Cetera Investment Services Disclosures Non-Deposit Investment Product Disclosure

Non-Deposit Investment Product Disclosure

Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered.

Investments are:

  • Not FDIC/NCUSIF insured
  • May lose value
  • Not financial institution guaranteed
  • Not a deposit
  • Not insured by any federal government agency

Cetera Investment Services | Online Account Access

Home Cetera Investment Services Disclosures Online Account Access

Online Account Access

Need to know your account balance now? Want to review your latest statement at 2:00 a.m.?

Get Online Account Access

With online account access, you will receive

  • The ability to view your account statements and trade confirmations online
  • Portfolio tracking
  • Positions monitoring for held securities (equity positions updated with a 15-minute delayed quote)
  • Free delayed quotes (unlimited)

Sign up today. It's easy.

Follow these steps:

  1. Have your brokerage account number ready
  2. Go to your online brokerage access website located at client.adviceworks.net
  3. Click on the button marked Activate an Online Account
  4. Complete the online access activation screen
  5. Create your personal password
  6. Click the Submit button

That’s it! You’re activated. The first time you access your brokerage account online, you will be asked to review important disclosure information.

Cetera Investment Services | Important Information: Account Confirmation Letters

Home Cetera Investment Services Disclosures Important Information: Account Confirmation Letters

Important Information: Account Confirmation Letters

Effective May 2006, at intervals no greater than 36 months, we are required to send you written confirmation of the information we have recorded for your account to ensure it is accurate.

  • If your account was opened prior to May 1, 2003, you should have already received an account confirmation letter from us.
  • If your account was opened after May 1, 2003, you will receive an account confirmation letter from us within 3 years of the date you opened your account.
  • If you have multiple accounts with our firm, you will receive a separate letter for each account.

We also send account confirmation letters when the following events occur:

  • After the opening of a new account
  • When changes are made to an account’s investment objectives

If a name or address change has been made to your account record, we will send you a letter to confirm the accuracy of the name or address change. When you receive an account confirmation letter from us, we encourage you to review the information noted on the letter, make changes as needed and return it to us at the address noted on the letter. This will help ensure your information is received by the appropriate department and updated in a timely manner. If there are no changes to your account information, no action is needed and you may keep the letter for your reference.

Cetera Investment Services | Insured Deposit Sweep Account

Home Cetera Investment Services Disclosures Insured Deposit Sweep Account

Insured Deposit Sweep Account

The Insured Deposit Sweep Account is an excellent complement to your investment account with Cetera Investment Services LLC. It allows you to protect your cash balances while still linking your FDIC-insured holdings with your investment account for more control and simplified management of your money. Select Insured Deposit Sweep Account as your sweep option, and available cash balances will be deposited into an interest-bearing, FDIC-insured deposit account at one or more financial institutions.

Insured Deposit Sweep Account Disclosure Statement

Interest Rate/Annual Percentage Yield: 0.25% (as of September 29, 2025)

Monthly per account fee*: $19.00

*Fee anticipated to be paid by financial institutions

List of Participating Financial Institutions

  1. Bank United, Miami Lakes, FL
  2. Citibank, New York, NY
  3. Continental Bank, Salt Lake City, UT
  4. CTBC Bank Corp (USA), Los Angeles, CA
  5. Customers Bank, Phoenixville, PA
  6. Falcon National Bank, Foley, MN
  7. First Guaranty Bank, Hammond, LA
  8. Flagstar Bank, Troy MI
  1. Forbright Bank, Chevy Chase MD
  2. Luana Savings Bank, Luana, IA
  3. Pinnacle Bank, Nashville, TN
  4. State Street Bank and Trust Company, Boston, MA
  5. Tristate Capital Bank, Pittsburgh, PA
  6. Truist Bank, Lumberton, NC
  7. United Community Bank, Blairsville, GA
  8. US Bank, Minnesota, MN
  9. Western Alliance Bank, Phoenix, AZ

INTERMEDIARY BANK
First National Bank of Omaha

Insured Deposit Sweep Account Financial Institution Exemption Form

Cetera Investment Services | FlexInsured Account

Home Cetera Investment Services Disclosures FlexInsured Account

FlexInsured Account®

The FlexInsured® Account is an excellent complement to your investment account with Cetera Investment Services, LLC. It allows you to protect your cash balances while still linking your FDIC-insured holdings with your investment account for more control and simplified management of your money. Select FlexInsured Account as your sweep option, and available cash balances will be deposited into an interest-bearing, FDIC-insured deposit account at one or more financial institutions.

FlexInsured Account® Disclosure Statement
FlexInsured Account® Fees

FlexInsured Program Interest Rates (as of September 29, 2025)

Tier Range Rate/Annual Percentage Yield
Tier 1 $0 - $24,999 0.10%
Tier 2 $25,000 - $49,999 0.10%
Tier 3 $50,000 - $99,999 0.10%
Tier 4 $100,000 - $249,999 0.15%
Tier 5 $250,000 - $499,999 0.30%
Tier 6 $500,000 - $749,999 0.35%
Tier 7 $750,000 - $999,999 0.60%
Tier 8 $1,000,000 - $1,499,999 0.80%
Tier 9 $1,500,000 - $4,999,999 1.25%
Tier 10 $5,000,000 - $9,999,999 1.45%
Tier 11 $10,000,000 - above 2.00%

List of Participating Financial Institutions

  • Bank United, Miami Lakes, FL
  • Citibank, New York, NY
  • Continental Bank, Salt Lake City, UT
  • CTBC Bank Corp (USA), Los Angeles, CA
  • Customers Bank, Phoenixville, PA
  • Falcon National Bank, Foley, MN
  • First Guaranty Bank, Hammond, LA
  • Flagstar Bank, Troy MI
  • Forbright Bank, Chevy Chase MD
  • Luana Savings Bank, Luana, IA
  • Pinnacle Bank, Nashville, TN
  • State Street Bank and Trust Company, Boston, MA
  • TriState Capital Bank, Pittsburgh, PA
  • Truist Bank, Lumberton, NC
  • United Community Bank, Blairsville, GA
  • US Bank, Minnesota, MN
  • Western Alliance Bank, Phoenix, AZ

INTERMEDIARY BANK
First National Bank of Omaha

FlexInsured Account® Financial Institutions Exemption Form

Cetera Investment Services | Insurance Agency Compensation

Home Cetera Investment Services Disclosures Insurance Agency Compensation

Insurance Agency Compensation

Insurance companies pay Cetera Investment Services LLC or its affiliated or controlled insurance agencies (collectively, the “Firm”) sales commissions when they sell fixed annuities, fixed index annuities and life insurance (“Insurance Products”), and part of those commissions go to the insurance agent who sold the Insurance Product to you. Although we make available a wide variety of Insurance Products, we concentrate our marketing and training efforts on Insurance Products issued by a limited number of insurance companies (“Designated Insurance Companies”). Designated Insurance Companies have more opportunities to provide training and education to insurance agents and to attend or sponsor the Firm’s education and training meetings. The Designated Insurance Companies listed below pay the Firm amounts in addition to sales commissions to compensate the Firm for these enhanced marketing and training opportunities. These Designated Insurance Company payments generally consist of payments based on a flat fee or percentage of total premiums paid to an Designated Insurance Company. For fixed and fixed indexed annuities, Designated Insurance Companies pay us the greater of an annual flat fee or up to 50 basis points (0.50%) of the total purchase amount of their Insurance Products. Although these Designated Insurance Company payments are not paid to insurance agents, they benefit agents by allowing them to receive greater training and education and pose a financial incentive for us to promote Approved Product Company Insurance Products over other Insurance Products. The fact that we receive compensation from Designated Insurance Companies creates an incentive for us to recommend that you purchase products or services from them instead of other Insurance Product providers that do not make similar payments to us. This creates a conflict between your interest and ours.

Below is the current list of Designated Insurance Companies:

  • Allianz Life
  • Athene
  • Brighthouse
  • CUNA
  • Delaware Life Insurance
  • Eagle Life Insurance
  • Global Atlantic
  • Great American
  • Jackson National
  • Nationwide
  • Pacific Life Insurance Company
  • Pacific Life and Annuity Company
  • Principal Financial Group
  • Protective Life Insurance
  • Prudential
  • Sammons Financial Group
  • Securian
  • Security Benefit Life Insurance
  • Symetra
  • Transamerica

Cetera Investment Services | Advisory Services Disclosure

Home Cetera Investment Services Disclosures Advisory Services Disclosure

Advisory Services Disclosure

Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Advisory services may only be offered by investment adviser representatives in conjunction with an advisory services agreement and disclosure brochure as provided.

Investments are:

  • Not FDIC/NCUSIF insured
  • May lose value
  • Not financial institution guaranteed
  • Not a deposit
  • Not insured by any federal government agency

Cetera Investment Services | Exchange-Traded Funds

Home Cetera Investment Services Disclosures Information About Exchange-Traded Funds

Information About Exchange-Traded Funds

Exchange-traded funds (ETFs) are SEC-registered investment vehicles that provide an opportunity for investors to purchase securities within an asset class or targeted sector of the economy. While ETFs are typically registered unit investment trusts or open-end investment companies, unlike traditional unit investment trusts or mutual funds which are priced a single time daily, shares of ETFs are generally traded throughout the day on an exchange at prices established by the market in a similar manner to individual stocks. ETF shares generally represent an interest in a portfolio of securities that tracks an underlying benchmark or index, such as the Standard & Poor's 500 Index. Some ETFs track broad indices, some are sector-specific, and others are linked to commodities, currencies, or some other benchmark.

While these products represent alternatives to other investments such as individual stocks or mutual funds, it is important that you fully understand the complex nature of these products. In certain cases, these products may provide an inexpensive means of diversifying your portfolio across various product classes (e.g., equities, bonds, etc.). However, as noted below, variations of this product may be more complex and price sensitive. To learn more about ETFs, you are encouraged to visit the SEC website at: https://www.investor.gov/introduction-investing/investing-basics/investment-products/mutual-funds-and-exchange-traded-2.

Leveraged and Inverse ETFs

Leveraged and inverse, or non-traditional, ETFs are categories of ETFs that are significantly more complicated than traditional ETFs as described above and are typically designed to achieve their stated objectives on a daily basis. Due to the significant risks associated with these products, Cetera Investment Services prohibits any purchases of these investments.

Leveraged ETFs seek to deliver multiples (typically by two or three times — and often included in the name of the fund, like “2X” or “3X”) of the performance of the index or benchmark that they track on a daily basis. An investor purchasing this type of ETF is likely to be attempting to maximize returns in positive market conditions.

Inverse ETFs seek to deliver the opposite performance of the index or benchmark being tracked on a daily basis. They may be marketed as a way for investors to hedge exposure to downward-moving markets.

Leveraged inverse ETFs are a combination of the above two categories and seek to achieve a return that is a multiple of the inverse performance of the underlying index. An investor purchasing this type of ETF is attempting to maximize returns in a declining market and has an aggressive attitude towards risk.

Leveraged and inverse ETFs have significant risks. One of the key risks associated with such ETFs is the mathematical compounding inherent to them. Most leveraged and inverse ETFs “reset” daily because they are designed to achieve their stated objectives on a daily basis. Due to the effect of compounding, their performance over longer periods of time can differ significantly from the performance (or inverse of the performance) of their underlying index/benchmark during the same period of time. It is important to understand this concept of compounding and the risk associated with it. If you do not understand this, you should not invest in these products.

Leverage can increase volatility. The longer you hold a leveraged or inverse ETF, the greater the potential for loss. As such, these products may not be suitable for investors who plan to hold positions for longer than one trading session, particularly in volatile markets.

Like traditional ETFs, some leveraged and inverse ETFs track broad indices, some are sector-specific and others are linked to commodities or currencies, which historically have been highly volatile. To accomplish their objectives, leveraged and inverse ETFs use a range of investment strategies through the use of swaps, futures contracts and other complex instruments.

The expense ratios of leveraged and inverse ETFs are typically higher than traditional ETF products, which will increase costs and may add to any negative effects from compounding. In addition, each purchase or sale of an ETF in a brokerage account generally incurs a commission charge, which should be considered carefully when deciding to actively trade ETFs.

It’s important that you read the prospectus carefully before making an investment decision. The prospectus provides detailed information about an ETF’s investment objectives, investment strategies, risks, and costs.

The SEC produced an Investor Alert entitled “Leveraged and Inverse ETFs: Specialized Products with Extra Risks for Buy-and-Hold Investors,” and you are encouraged to review this alert in order to more fully understand the risks associated with these products. A copy of this SEC alert may also be viewed at https://www.investor.gov/introduction-investing/general-resources/news-alerts/alerts-bulletins/investor-alerts/sec-finra.

Investors should consider the investment objectives, risks and charges and expenses of the funds carefully before investing. The prospectus contains this and other information about the funds. Contact Cetera Investment Services or your financial professional to obtain a prospectus, which should be read carefully before investing or sending money.

Investors cannot invest directly in indexes. The performance of any index is not indicative of the performance of any investment and does not take into account the effects of inflation and the fees and expenses associated with investing.

The S&P 500 is a capitalization-weighted index of 500 stocks designed to measure performance of the broad domestic economy through changes in the aggregate market value of 500 stocks representing all major industries.

A diversified portfolio does not assure a profit or protect against loss in a declining market.

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