Flagship Solutions for Financial Advisors

Financial Advisors

Flagship Solutions

The right tools—and the right people behind them

Plenty of firms provide resources that can support your business. We design our tech, tools, and teams to promote your growth and success.

Advanced Planning Group

Advanced Planning Team

Our in-house team of highly credentialed legal and tax specialists can help you solve clients’ most intricate needs.

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Advanced Time Segmentation

Advanced Time Segmentation

You’ll be empowered to show clients, in a single meeting, how they can have enough money in retirement.

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AdviceWorks®

AdviceWorks®

Win prospects and gain wallet share by making it easier for clients to engage with you and their entire financial picture.

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Compliance

Compliance

Stay on the right side of regulation with supervisory teams that always endeavor to say “Yes, and here’s how.”

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Growth360

Growth360

We’ll identify the areas with the most growth potential to help put the right resources and best practices to work for your business.

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GrowthLine

GrowthLine

Create a multimedia marketing presence to drive measurable results attracting and engaging clients, prospects, and new advisor talent.

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LeadEngine

IntelligenceEngine

Grow your wallet share with a connected suite of solutions and services that uncover hidden assets and deepen client relationships.

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LeadEngine

LeadEngine

Have local, high-intent, screened and qualified client leads sent directly to your inbox.

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Legacy Builder

Legacy Builder

We can help you plan your succession to provide financial safety for your family or realize your business’ equity when you retire.

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Marketing

Marketing

Expand your reach and your revenue with our extensive suite of customized services to drive organic and inorganic growth.

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MarketingCentral

MarketingCentral

Leverage exclusive, automatable marketing plans tailored to multiple demographics that make outreach as easy as flipping a switch.

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My Advice Architect®

My Advice Architect®

Save time and gain scale within a single, unified advisory platform that gives you full flexibility and control.

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Onboarding

Onboarding

Our high-touch Onboarding Navigator experience keeps your focus on your clients and your business, not your move.

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Portfolio Solutions

Portfolio Solutions

From fund selection to asset-allocation guidance to ready-made portfolios, we can help you solve for any client goal.

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Research and Insights

Research and Insights

Showcase the value of your service to clients with our informative research and insights.

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Retirement Plan Specialists

Retirement Plan Specialists

Help business-owner clients enhance their operations with turnkey retirement plan solutions through our in-house TPA.

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RIA Blueprint

RIA Blueprint

From hybrid to your own standalone RIA, you create the experience you want for your team and your clients.

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Cetera Investment Services | Statement of Financial Strength

Cetera Investment Services

Home Statement of Financial Strength

Statement of Financial Strength

Founded in 1984, Cetera Investment Services LLC is a self-clearing broker-dealer and insurance agency serving the clients of more than 455 financial institutions with assets ranging from $31 million to $141+ billion nationwide. Our financial soundness and strength are derived from our business model, the financial strength and liquidity of our parent company, Cetera Financial Group, and our leadership in regulatory compliance and strict adherence to our principles of risk management to protect the reputations of our financial institutions.

Business Model

Our business model is simple: we focus on financial institutions, delivering high-quality investment products, wealth management solutions and premier support to help grow their investment programs. As a broker-dealer with no proprietary investment products, our advice to program managers, relationship managers, registered representatives and financial advisors is based solely on the merits of our analyses of the investment products and programs offered, and free from bias. Our self-clearing platform requires our staff to have additional layers of expertise and capabilities, making us less susceptible to the operational inconsistencies of an external partner.

Additionally, our self-clearing model allows us to conduct business in a more cost-effective, efficient manner than an introducing broker-dealer while delivering rapid response, total quality control, in-house and real-time data processing, expedient execution, competitive pricing and a flexible structure. Paired with our technology and service offerings catered specifically to our distinct focus on financial institutions and dedication to helping them foster lasting relationships with their clients, we are well positioned to execute our mission to deliver comprehensive financial solutions to investing clients by building strong relationships with banks and credit unions through unparalleled service.

Cetera Investment Services at a Glance:
All data as of Sept. 1, 2022

  • Serves more than 455 financial institutions
  • Self-clearing
  • Total representatives and financial advisors: 1,790
  • Assets under administration: nearly $70.7 billion
  • Total full-time employees: 434
  • Average team tenure: 30.5 years in the industry; 20 years with Cetera Investment Services

Cetera Financial Group

Cetera Investment Services is part of Cetera Financial Group (Cetera), a leading network of independent retail broker-dealers empowering the delivery of objective financial advice to individuals, families and company retirement plans across the country through trusted financial advisors and financial institutions. Cetera is one of the largest independent financial advisor networks in the nation by number of advisors, as well as a leading provider of retail services to the investment programs of banks and credit unions.

Through its multiple distinct firms, Cetera offers independent and institutions-based advisors the benefits of a large, established broker-dealer and registered investment adviser, while serving advisors and institutions in a way that is customized to their needs and aspirations. Advisor support resources offered through Cetera include award-winning wealth management and advisory platforms, comprehensive broker-dealer and registered investment adviser services, practice management support, and innovative technology. For more information, visit cetera.com.

Regulatory Compliance and Risk Management

Cetera Investment Services is registered with the United States Securities and Exchange Commission (SEC) as a broker-dealer and registered investment adviser. Cetera Investment Services is also a member of the Financial Industry Regulatory Authority (FINRA) and the Municipal Securities Rulemaking Board (MSRB). Cetera Investment Services is securities registered and insurance licensed in all 50 states.

As such, Cetera Investment Services is subject to the rules and the laws of these organizations and entities, and adheres carefully to its specific obligations to assist its employees and registered representatives in complying with these rules and regulations. Cetera Investment Services has set forth standards of conduct and procedures that comply with applicable rules and regulations and must be followed in conducting its business.

Statement of Financial Condition

Statement of Financial Condition as of December 31, 2024, and Report of Independent Registered Public Accounting Firm

Statement of Financial Condition as of June 30, 2025 (unaudited)

Onboarding

Onboarding

Move over to move ahead.

Experience makes the difference

95%

95%

AUM transitioned in 45-60 days*

285

285

years of collective onboarding team experience

355

355

financial professionals onboarded in 2024

You’ll wish you did it sooner

Changing firms is a big step. We'll help ensure it's a big step forward. Our Onboarding Navigator experience provides a personalized, seamless transition that keeps you in control.

Onboarding

Benefit from less work and more flow thanks to a technology suite working 24/7 to streamline the process, transferring up to 2,000 accounts each day.

AdviceWorks® streamlines account opening, reduces errors, and provides your clients with a digital portal to their accounts once transferred.

Efficiently coordinate with your onboarding coach through SmartSheet with unlimited access to your action log, dashboard, and client tracker.

Be ready to go the moment your move is finalized, by using Docupace Transition Assistant to gather and review client data before affiliation.

Your onboarding experience manager and coach will work with you until your onboarding is completed to your satisfaction.

Join with confidence and ease

“Cetera has given us integrated technology and full flexibility. They are large yet not corporate—a great balance.”

Matthew Clement

Matthew Clement

Emerald Retirement Planning Group, Inc.

“Transitioning to Cetera has been a rewarding move. The culture remains family-like and engaged.”

Amy Luukko

Amy Luukko

Joyful Wealth Planning

“Having colleagues on Cetera's Onboarding team who took the time to learn and understand our objectives has made all the difference.”

Holly Kylen

Holly Kylen

Kylen Financial

Doubling down on your success

Setting you up to thrive is what Onboarding Navigator is all about. So, it’s no surprise it earned top honors for the second year in a row from the industry’s only award program for innovation in support of advisor success. Making you a winner isn’t just our goal—it’s our standard.

Doubling down on your success
 
 

Make your move today

Propel your business and client experience forward. Talk with a Business Development Representative to learn how moving over can be the easiest way to move ahead.

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

*Based on internal metrics for financial professionals onboarded between Jan. 2020 and Dec. 2024.

The WealthManagement.com Industry Awards program recognizes outstanding organizations and individuals that support financial advisor success. Listing in this publication and/or award is not a guarantee of future investment success. This recognition should not be construed as an endorsement of the advisor by any client. No compensation was provided directly or indirectly by the recipient for participation or in connection with obtaining or using the third-party rating or award.

Growth360 | Financial Institutions

Growth360

Revenue transformation begins with Growth360.

Focus on what works

Growth360 reveals your advisors' biggest growth opportunities and then creates a unique action plan with personalized support to keep them on target toward their goals.

Growth360 flowchart showing seven growth opportunities

Empower program success with Growth360

Business woman demonstrating Growth360 functionality on laptop

Our structured, repeatable approach makes growth attainable for any advisor at any time.

Keep everyone on top of their action plan with a digital dashboard to track individual progress toward unique goals.

Each of your advisors will get paired with a dedicated Growth Officer for one-on-one support throughout their journey.

Advisors will leverage peer-proven methods to stay on target for their growth goals, using custom plans built just for them.

Cetera’s extensive suite of resources are tailored to your advisors’ specific needs by their Growth Officer.

Illuminate the straightest path forward

"With a simple questionnaire, I was able to quickly drill down to our opportunities for growth, with immediate research and resources to go to, plus access to a growth coach!"

Amy Wolff

Amy Wolff

AJW Financial

“The Growth360 platform and the talented team of Growth Officers are proof that Cetera partners with us to help grow our businesses.”

Pete Bush

Pete Bush

Horizon Financial Group

“We have benefited greatly from working with our Growth Officer to better understand the areas of our firm where we can maximize our return on time and capital."

Lindsey McKay

Lindsey McKay

McKay Wealth Management

 
 

Grow with us

Connect with one of our Business Development Specialists to learn more about how Growth360 can help put your program’s goals within reach.

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

Growth360

Growth360

Revenue transformation begins with Growth360.

The one thing designed to improve everything

Growth360 reveals your biggest growth opportunities and then creates an end-to-end action plan with personalized support to enhance your organic growth potential and bring your value proposition to life.

Growth360 flowchart showing seven growth opportunities

Create the growth path that’s right for you

Business woman demonstrating Growth360 functionality on laptop

Our structured, repeatable, approach makes growth attainable for any advisor at any time.

Keep on top of your action plan with a digital dashboard to track your progress toward your goals.

Get paired with a dedicated Growth Officer for one-on-one support throughout your journey.

Leverage peer-proven methods for increasing the value of your business, using a plan built just for you.

Draw from Cetera’s extensive suite of resources, tailored to your specific needs by your Growth Officer.

Illuminate the straightest path forward

“With a simple questionnaire, I was able to quickly drill down to our opportunities for growth, with immediate research and resources to go to, plus access to a growth coach!”

Amy Wolff

Amy Wolff

AJW Financial

“The Growth360 platform and the talented team of Growth Officers are proof that Cetera partners with us to help grow our businesses.”

Pete Bush

Pete Bush

Horizon Financial Group

“We have benefited greatly from working with our Growth Officer to better understand the areas of our firm where we can maximize our return on time and capital.”

Lindsey McKay

Lindsey McKay

McKay Wealth Management

 
 

Grow with us

Connect with one of our Business Development Specialists to learn more about how Growth360 can help put your business goals within reach.

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

Advanced Time Segmentation | Financial Institutions

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

Bring each client’s vision to life and instantly build a retirement plan that can be refined on the spot. From complex modeling to gap analysis to presentation-ready results, everything connects seamlessly to strengthen conversations and streamline 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.”

Chris Quebedeau

Chris 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 financial institution offer clients greater certainty about their retirement.

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