Cetera Financial Specialists | Insured Deposit Sweep Account

Home Cetera Financial Specialists Disclosures Insured Deposit Sweep Account

Insured Deposit Sweep Account

The Insured Deposit Sweep Account is an excellent complement to your investment account with Cetera Financial Specialists 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
Insured Deposit Sweep Account Interest Rates
Insured Deposit Sweep Account Priority Bank List
Insured Deposit Sweep Account Financial Institutions Exemption Form

Cetera Financial Specialists | FlexInsured Account

Home Cetera Financial Specialists Disclosures FlexInsured Account

FlexInsured Account®

The FlexInsured Account is an excellent complement to your investment account with Cetera Financial Specialists 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® Interest Rates
FlexInsured Account® Priority Bank List
FlexInsured Account® Fees
FlexInsured Account® Financial Institutions Exemption Form

Cetera Financial Specialists | Strategic Partners

Home Cetera Financial Specialists Disclosures Strategic Partners

Strategic Partners

The following is a list of revenue-sharing partners as of December 2024:

Mutual Fund Companies

  • Victory Capital
  • Aristotle
  • Calvert (Division of Morgan Stanley)
  • Cantor Fitzgerald Asset Management
  • Columbia Threadneedle
  • DWS Securities
  • Eaton Vance
  • Goldman Sachs
  • Lord Abbett
  • Morgan Stanley
  • PGIM
  • PIMCO
  • Sammons Finance Group
  • Transamerica Mutual Funds
  • Voya Investments

Alternative Investment Companies

  • Apollo Global Securities, LLC
  • Ares Management Corp.
  • BC Partners
  • Blackstone
  • Bluerock
  • Brookfield
  • Cantor Fitzgerald
  • CNL Securities Corp
  • Cottonwood Communities, Inc.
  • Eagle Point Securities
  • Franklin Templeton
  • FS Investments
  • Griffin Capital
  • Hines Securities
  • Inland Securities
  • Intrinsic
  • KKR
  • MDS Energy Development, LLC
  • Pacific Oak
  • Peachtree II LLC
  • PIMCO
  • Preferred Capital Securities
  • Sealy
  • Stepstone
  • US Energy

Exchange-Traded Funds

  • First Trust
  • GlobalX
  • Pacer
  • PacerWisdomTree

Mutual Funds & Exchange Traded Funds:

  • Blackrock
  • Capital Group
  • Columbia Threadneedle
  • Federated Hermes
  • Fidelity Investments
  • Franklin TempletonGoldman Sachs
  • Invesco
  • John Hancock
  • JP Morgan
  • New York Life Mainstay
  • T. Rowe Price

Annuity Carriers

  • Allianz
  • American National
  • Athene
  • AuguStar
  • Brighthouse
  • Corebridge Financial
  • Delaware Life
  • Eagle Life
  • Equitable
  • F&G
  • Global Atlantic
  • Jackson
  • Lincoln
  • Mass Mutual
  • Mass Mutual Ascend
  • Nationwide
  • New York Life Insurance Annuity
  • Pacific Life
  • Protective
  • Prudential
  • Sammons Financial Group
  • Securian
  • Security Benefit
  • Symetra
  • The Standard
  • Transamerica
  • TruStage
  • Voya Select IRA

Insurance

  • Crump

Cetera Financial Specialists | Disclosure of Order Routing Practices (SEC Rule 606)

Home Cetera Financial Specialists Disclosures Disclosure of Order Routing Practices (SEC Rule 606)

Disclosure of Order Routing Practices (SEC Rule 606)

Linked sites are not under the control of Cetera Financial Specialists and Cetera Financial Specialists is not responsible for the contents of any linked site or any link contained in the linked site, or updates to such sites. Linked sites may contain rules and regulations, privacy provisions, confidentiality provisions, transmission of personal data provisions, and other provisions that differ from the provisions of this website.

For information on Cetera Financial Specialists’ routing of nondirected orders in equity and option securities, please refer to the following links:

  • For SEC Rule 606 Order Routing Disclosure Reports 2nd quarter 2024 and prior, follow this link — 606.karngroup.com
  • For SEC Rule 606 Order Routing Disclosure Reports 3rd quarter 2024 and after, follow this link — FINRA.org

Cetera Financial Specialists | Advisory Services Disclosure

Home Cetera Financial Specialists Disclosures Advisory Services Disclosure

Advisory Services Disclosure

Securities and insurance products are offered through Cetera Financial Specialists LLC (doing insurance business in CA as CFGFS Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. 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 Financial Specialists | Insurance Agency Compensation

Home Cetera Financial Specialists Disclosures Insurance Agency Compensation

Insurance Agency Compensation

Some insurance companies pay Cetera Financial Specialists or its affiliated or controlled insurance agencies sales commissions when they sell fixed annuities and life insurance (“Insurance Products”), and part of those commissions go to the Cetera Financial Specialists 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 Cetera Financial Specialists insurance agents and to attend or sponsor Cetera Financial Specialists education and training meetings. The Designated Insurance Companies listed below pay Cetera Financial Specialists amounts in addition to sales commissions to compensate Cetera Financial Specialists 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 a 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 Cetera Financial Specialists insurance agents, they benefit agents by allowing them to receive greater training and education and pose a financial incentive for us to promote Designated Insurance 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 Financial Specialists | 529 Plan Disclosure

Home Cetera Financial Specialists Disclosures 529 Plan Disclosure

529 Plan Disclosure

A 529 plan is a college savings plan that allows individuals to save for college on a tax-advantaged basis. Every state offers at least one 529 plan.

Whether a state tax deduction and/or application fee savings are available depends on your state of residence. For information concerning 529 plans, including information comparing the performance of difference states’ 529 plans, contact your financial professional. Before investing in a 529 plan, you should find out about the particular plan and its fees and expenses.

For additional information concerning 529 plans, FINRA offers several valuable online tools: a comprehensive online learning center, Saving for College, which includes a 529 Plan Expense Analyzer. The SEC’s Office of Investor Education and Advocacy also provides information concerning 529 plans at: https://www.sec.gov/reportspubs/investor-publications/investorpubsintro529htm.html.

Investors should consider the investment objectives, risks, charges and expenses associated with municipal fund securities before investing. This information is found in the issuer’s official statement and should be read carefully before investing.

Investors should also consider whether the investor’s or beneficiary’s home state offers any state tax or other benefits available only from that state's 529 Plan. Any state-based benefit should be one of many appropriately weighted factors in making an investment decision. The investor should consult their financial or tax advisor before investing in any state's 529 Plan.

If you purchase a 529 plan through Cetera Financial Specialists, both Cetera Financial Specialists and your financial professional receive compensation from the 529 plan program sponsor in much the same manner as it does when you purchase mutual funds. For additional information concerning sources of compensation to Cetera Financial Specialists, please see the Revenue Cetera Financial Specialists LLC Receives from Registered and Alternative Product Sponsors disclosure and the underlying ETF and/or mutual fund(s') prospectus(es) for the 529 plan you are considering. Each prospectus will also describe in detail liquidity issues and risks associated with investing in those funds offered through 529 plans.

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