Advanced Time Segmentation

Advanced Time Segmentation

Solve the retirement income challenge.

Personalized, AI-driven plans in minutes

Create custom retirement roadmaps at scale with the AI-powered approach of Advanced Time Segmentation (ATS). Align client assets with income needs through a process that adapts in real time to changing goals and household situations.

A solution clients will love

Talk through your client’s vision and instantly build a retirement plan you can refine on the spot. From complex modeling to gap analysis to presentation-ready results, everything connects seamlessly to strengthen your conversations and streamline your work.

Strategy-driven confidence

Business man on computer looking at charts for retirement planning

Designed to be spent down over five to seven years and buy time for the Future Income segment to grow.

Bridges the Immediate Income and Long-Term Growth segments to provide additional time for a client’s long-term investments to grow.

While the first two segments have provided short- and mid-term income, this segment is designed to grow untouched for several years and is calculated to address risk.

For conservative clients or those who believe they have a long life expectancy, this segment offers guaranteed inflation-adjusted income for life.

Designed to provide supplemental income and growth for the portfolio over the long-term, this segment can include alternative investments.

Grow your business with ATS

“Advanced Time Segmentation has changed my practice, giving my clients the confidence to transfer more assets and provide more referrals.”

Steve Oliver

Steve Oliver

Manhattan Ridge Advisors

“My acquisition ratio has increased dramatically. My clients can now understand the importance of me managing their whole portfolio, not just a portion of it.”

Christopher Quebedeau

Christopher Quebedeau

Cetera Advisors

“I get a new referral nearly every week from a client impressed by the scenario I created for them using Advanced Time Segmentation.”

Brenda Hotaling

Brenda Hotaling

Cetera Investors

 
 

Strengthen clients’ confidence in their future

Connect with us to see how Advanced Time Segmentation can help your clients feel greater certainty about their retirement.

Matt
Matt Smith
Business Development
(848) 254-7557
Jascha
Jascha Wilson
Business Development
(657) 753-7021
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Legacy Builder

Legacy Builder

Pass the torch without losing your flame.

Reap the value you've built

Legacy Builder is a full-service solution designed to ensure you have a continuity and succession plan in place with a qualified buyer ready to continue your legacy.

Business men meeting in an office to discuss succession plan

Ensure the purchase of your business should you experience an unplanned exit from your practice.

Build your enterprise value while simultaneously developing a successor of your choice.

Expand your business through streamlined acquisitions featuring personalized introductions and guidance throughout the transition.

If you can’t find a suitable buyer or your business is especially large or complex, we will purchase it from you.

Secure your legacy

"Cetera helped us grow. Every day. To take our succession plan somewhere else? Never. Most of us forget where we came from. We didn't."

John Brackett

John Brackett

BAR Financial

"Where can you get better continuity than working with a partner you already trust? Our business is all about independence. And that’s Cetera’s business, too.”

Matthew Costanzo

Matthew Costanzo

Costanzo Financial Group

“Legacy Builder protects my clients and assures my family’s financial wellbeing.”

Travis Hughes

Travis Hughes

Hughes Financial Group

 
 

Your plan for a successful succession

Connect with a Business Development Specialist to learn how Legacy Builder can help protect you, your business, and those you care about most.

Matt
Matt Smith
Business Development
(848) 254-7557
Jascha
Jascha Wilson
Business Development
(657) 753-7021

Compliance

Compliance

Straightforward solutions, in plain English.

A partnership for success

Sensible risk management shouldn’t come at the risk of your entrepreneurship. We know how to make compliance work for you to keep you moving forward.

Compliance designed for growth

Business man drawing chart on board to demonstrate compliance process

Enjoy direct access to our head of supervision, chief compliance officer, and chief risk officer for support and to understand the “why” behind our practices.

Our timely communications keep you up-to-date on policy changes and provide practical guidance for any hurdles you may face.

Leverage leading-edge tech tools, like Pinpoint Global, to simplify tasks and manage compliance demands.

Friendly support, not speed bumps

“The compliance platform is wonderful with real-time data input, reminders, and a dashboard that helps me stay on top of supervision guidelines and tasks.”

Tony Yu

Tony Yu

East West Bank

“The support of Cetera's Compliance team is a prime example of the reasons I've turned down numerous recruiters. They make our organization feel like a family.”

J. Todd Watkins

J. Todd Watkins

Philanthropy Financial

“Cetera has provided me and my clients with the highest level of support I've enjoyed since I entered the profession in 1983.”

Roger Turcotte

Roger Turcotte

Cetera Investors

 
 

Smooth the regulatory landscape

Staying compliant really can be easier and take up less time and energy. Connect with us to find out how.

Matt
Matt Smith
Business Development
(848) 254-7557
Jascha
Jascha Wilson
Business Development
(657) 753-7021

My Advice Architect | Financial Institutions

My Advice Architect®

Your one-stop shop for advisory business.

Simplify the execution—not the strategy

Empower advisors and make the complex easier with the award winning* unified advisory platform where they can build comprehensive portfolios and manage risk holistically.

Turn your advice into action with My Advice Architect

Business team demonstrating functionality of My Advice Architect on laptop

Advisors can build portfolios themselves or outsource them to the industry’s top managers and strategists.

Capitalize on the assistance and guidance of designated advisory consultants, trainers, research analysts, and vendors.

All the tools for portfolio building—research, proposals, billing and reporting, trades, model management, rebalancing, and more—are accessible within a single interface.

Leverage AdviceWorks® integration for simplified account opening and eDelivery.

Serve a broader range of clients with account minimums as low as $10,000.

Get more with My Advice Architect

“I'm just thrilled with My Advice Architect. They're using lower-minimum strategists, bigger names, better-run companies, and lower operating expenses.”

Russel Dizer

Russel Dizer

Cetera Investors

"My Advice Architect allows ongoing interactions between me and my clients, where they are part of the planning, and more engaged and open to recommendations."

Tony Yu

Tony Yu

East West Bank

“My Advice Architect has really allowed us to streamline and simplify our business to operate more efficiently. We love the technology and ease of use. It just fits.”

Matt Logan

Matt Logan

Tmrw Wealth

It's all in there

Designed to give your advisors the flexibility to holistically meet the breadth of client needs, it’s no surprise My Advice Architect is Cetera’s fastest-growing platform with over $110B in AUM.**

5

5

investment programs

100+

100+

strategists

1,400+

1,400+

mutual fund and exchange-traded fund (ETF) portfolios

375

375

separate account managers with over 1,100 strategies

 
 

Solutions for every advisor and every client

Schedule a demo with a Business Development Specialist to understand how My Advice Architect can increase the capacity of your program.

Tami
Tami Cain
Head of Institutional Business Development
(414) 254-5330
Zach
Zach Porter
Regional Business Development Officer
(630) 453-4721

* My Advice Architect was awarded the 2023 MMI/Barron’s Industry Award for Wealth Manager Platform of the Year.
** All data as of October 18, 2023.

My Advice Architect

My Advice Architect®

Your one-stop shop for advisory business.

Simplify the execution—not the strategy

Build comprehensive portfolios and manage risk holistically with the award-winning* unified advisory platform that gives you the power and flexibility to make the complex easier.

Turn your advice into action with My Advice Architect

Business team demonstrating functionality of My Advice Architect on laptop

Build portfolios yourself or outsource them to the industry’s top managers and strategists.

Capitalize on the assistance and guidance of designated advisory consultants, trainers, research analysts, and vendors.

All the tools for portfolio building—research, proposals, billing and reporting, trades, model management, rebalancing, and more—within a single interface.

Leverage AdviceWorks® integration for simplified account opening and eDelivery.

Serve a large range of clients with account minimums as low as $10,000.

Get more with My Advice Architect

“I'm just thrilled with My Advice Architect. They're using lower-minimum strategists, bigger names, better-run companies, and lower operating expenses.”

Russel Dizer

Russel Dizer

Cetera Investors

“My Advice Architect allows ongoing interactions between me and my clients, where they are part of the planning, and more engaged and open to recommendations.”

Tony Yu

Tony Yu

East West Bank

“My Advice Architect has really allowed us to streamline and simplify our business to operate more efficiently. We love the technology and ease of use. It just fits.”

Matt Logan

Matt Logan

Tmrw Wealth

It's all in there

Designed to give you the flexibility to holistically meet the breadth of client needs, it’s no surprise My Advice Architect is Cetera’s fastest-growing platform with over $110B in AUM.**

5

5

investment programs

100+

100+

strategists

1,400+

1,400+

mutual fund and exchange-traded fund (ETF) portfolios

375

375

separate account managers with over 1,100 strategies

 
 

Solutions for every advisor and every client

Schedule a demo with a Business Development Specialist to understand how My Advice Architect can increase the capacity of your advisory business.

Matt
Matt Smith
Business Development
(848) 254-7557
Jascha
Jascha Wilson
Business Development
(657) 753-7021

* My Advice Architect was awarded the 2023 MMI/Barron’s Industry Award for Wealth Manager Platform of the Year.
** All data as of October 18, 2023.

AdviceWorks | Financial Institutions

AdviceWorks®

The all-in-one platform you always wanted.

We tech your program seriously

AdviceWorks is an all-in-one, interactive workspace that builds ease back into your advisors’ workday. Its integrations and automations simplify operations, drive growth, and facilitate deeper collaborations between advisors and clients.

AdviceWorks: more growth, less work

AdviceWorks

Enable your advisors to manage account opening, money movement, automated processing, and pre-filled forms—all in one platform for a faster, more efficient experience.

Provide your advisors with instant access to an analytics dashboard with detailed reporting on AUA, revenue, product mix, client data, commissions, transitioning accounts, and your program.

Your advisors only need to log in once to access a cohesive ecosystem of over 25 tools, including MoneyGuidePro, Albridge, Docupace, Nitrogen, Salesforce, Redtail, and more.

Help your advisors drive wallet-share opportunities with a big-picture planning platform where their clients can link all their outside accounts, update goals, and track major life changes.

Cooperative development means your advisors’ input directly drives enhancements—so AdviceWorks keeps working better for them.

The total financial picture for your clients

Clients can access their financial accounts anytime, anywhere with the AdviceWorks client portal and mobile app. They can securely store private documents and collaborate with their advisor in real-time, ensuring they stay engaged with their financial future.

Put AdviceWorks to work for you

“There's rarely a day we don't add a new client to AdviceWorks. We even have clients calling other clients saying, "Oh good grief, go do this." That's when you know you have a good system.”

Denise Salzman

Denise Salzman

Aspect Wealth Management

“AdviceWorks is so helpful in getting clients engaged and becoming more active participants in planning their financial future.”

Najib Khan

Najib Khan

Langley Investment Services

“Cetera’s use of tech is far superior than any other broker-dealer. AdviceWorks is a state-of-the-art, digitally integrated portal on steroids.”

Adrienne Radakovic

Adrienne Radakovic

Stella Wealth Advisors LLC

 
 

Energize your tech stack for greater growth

Talk with one of our Business Development Specialists to explore how AdviceWorks can invigorate your program’s signature solution stack.

Tami
Tami Cain
Head of Institutional Business Development
(414) 254-5330
Zach
Zach Porter
Regional Business Development Officer
(630) 453-4721

AdviceWorks

AdviceWorks®

The all-in-one platform you always wanted.

We tech your growth seriously

AdviceWorks is an all-in-one, interactive workspace that builds ease back into your business. Its integrations and automations simplify operations, drive growth, and facilitate deeper client collaborations.

AdviceWorks helps you grow more with less work

Business woman demonstrating functionality of AdviceWorks on laptop

Manage account opening, money movement, automated processing, and pre-filled forms—all in one platform for a faster, more efficient experience.

Get instant access to your analytics dashboard with detailed reporting on AUA, revenue, product mix, client data, commissions, transitioning accounts, and your full book of business.

Log in once to access a cohesive ecosystem of over 25 tools, including MoneyGuidePro, Albridge, Docupace, Nitrogen, Salesforce, Redtail, and more.

Drive wallet-share opportunities with a big-picture planning platform where clients can link all their outside accounts, update goals, and track major life changes.

Cooperative development means your input directly drives enhancements—so AdviceWorks keeps working better for you.

The total financial picture for your clients

Clients can use the AdviceWorks client portal and mobile app for 24/7 access to their financial accounts, secure and private document storage, and collaboration with you in real-time to stay engaged with their financial future.

Put AdviceWorks to work for you

“There's rarely a day we don't add a new client to AdviceWorks. We even have clients calling other clients saying, "Oh good grief, go do this." That's when you know you have a good system.”

Denise Salzman

Denise Salzman

Aspect Wealth Management

“AdviceWorks is so helpful in getting clients engaged and becoming more active participants in planning their financial future.”

Najib Khan

Najib Khan

Langley Investment Services

“Cetera’s use of tech is far superior than any other broker-dealer. AdviceWorks is a state-of-the-art, digitally integrated portal on steroids.”

Adrienne Radakovic

Adrienne Radakovic

Stella Wealth Advisors LLC

 
 

It’s what you do—and how you do it

And AdviceWorks simply helps you do it better. Talk with one of our Business Development Specialists to explore how to create your signature solution stack.

Matt
Matt Smith
Business Development
(848) 254-7557
Jascha
Jascha Wilson
Business Development
(657) 753-7021

Advanced Planning Team | Financial Institutions

Advanced Planning Team

Complicated question?
Easy solution.

Your one-stop resource

Empower advisors to solve for clients’ most sophisticated challenges with the expertise of our team of seasoned attorneys, CFP® certificants, MBAs, and financial advisors.

Personalized guidance from a team of experts

Business team holding a planning meeting

Give your advisors the case-by-case support and clear answers they need for clients’ most technical questions.

Receive timely summaries on important legislation and its impact to your program, your advisors, and your clients.

Access our wealth of resources designed to simplify complicated concepts for clients and reinforce your program’s value proposition.

Advisors can easily stay on top of how the latest changes to the tax code might affect clients with our annually updated guides.

 
 

Advance your program and its capabilities

See how having our Advanced Planning Team in your corner can give you an edge. Contact one of our Business Development Representatives today.

Tami
Tami Cain
Head of Institutional Business Development
(414) 254-5330
Zach
Zach Porter
Regional Business Development Officer
(630) 453-4721

Advanced Planning Team

Advanced Planning Team

Complicated question?
Easy solution.

Your one-stop resource

Solve for clients' most sophisticated challenges with the expertise of our team of seasoned attorneys, CFP® certificants, MBAs, and financial advisors.

Personalized guidance from a team of experts

Business team holding a planning meeting

Get case-by-case support and clear answers for your clients’ most technical questions.

Receive timely summaries on important legislation and its impact to your business and your clients.

Draw from our wealth of resources designed to simplify complicated concepts for your clients and reinforce your value proposition.

Easily stay on top of how the latest changes to the tax code might affect your clients with our annually updated guides.

 
 

Advance your business and your capabilities

See how having our Advanced Planning Team in your corner can give you an edge. Contact one of our Business Development Representatives today.

Matt
Matt Smith
Business Development
(848) 254-7557
Jascha
Jascha Wilson
Business Development
(657) 753-7021

Cetera Investment Services | Client

Investor Information and Disclosures

Home Investor Information and Disclosures Cetera Investment Services

We believe you should have the information you need to make informed choices in your pursuit of greater financial well-being, and this page is designed to make that easier for you.

Contact Cetera Investment Services

If you have questions about your account(s), you should contact your financial professional. If you are having trouble reaching your financial professional or need additional assistance, contact us at:

Cetera Investment Services
400 First Street South, Suite 300
St. Cloud, MN 56301

800.245.0467

Learn More

You can learn more about your financial professional and Cetera Investment Services here:

Visit FINRA’s BrokerCheck

Investor Information and Disclosures

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