Products And Services For You And Your Family

Personal Investment Accounts

Through our broker-dealer Cetera Advisor Networks LLC, we offer a variety of investment products that may align with your financial objectives and risk preferences:

• Mutual funds
• Brokerage accounts (stocks and bonds)
• Municipal bonds
• Unit investment trusts (UITs)
• Real estate investment trusts (REITS)
• Limited partnerships
• Oil & gas programs
• Managed futures programs (private placements)
• Closed-end interval programs
• Hedge funds
• Private equity
• Donor-advised funds
• Pooled-income funds.

Fee-Based Advisory Accounts

Through our broker-dealer Cetera Advisor Networks LLC, we offer a variety of fee-based advisory programs that may utilize:

• Low-cost share class mutual funds
• Equities
• Exchange-traded funds (ETFs)
• Over-the-counter and listed stocks
• Unit investment trusts (UITs)
• Closed-end funds
• Municipal bonds
• Corporate bonds
• Treasuries
• Collateralized mortgage obligations (CMOs)
• Agency bonds
• Certificates of deposit (CDs)
• Approved load-waived variable annuities
• Real estate investment trusts (REITs)
• Covered options
• Managed futures
• Structured products including principal protected notes

Through our broker-dealer Cetera Advisor Networks LLC, we offer a variety of personal and business retirement plans:

Personal Retirement Accounts and Annuities

• Individual retirement accounts (IRAs)
• Roth IRAs
• IRA rollovers
• Fixed, variable and equity index annuities

There is a surrender charge imposed generally during the first 5 to 7 years that you own the contract. Withdrawals prior to age 59 ½ may result in a 10% IRS tax penalty, in addition to any ordinary income tax. The guarantee of the annuity is backed by the financial strength of the underlying insurance company. Investment sub-account values will fluctuate with changes in market conditions.

Investors should consider the investment objectives, risks and charges and expenses of the variable annuity carefully before investing. An investment in a variable annuity involves investment risk, including possible loss of principal. Variable annuities are designed for long-term investing. The contract, when redeemed, may be worth more or less than the total amount invested. Variable annuities are subject to insurance-related charges including mortality and expense charges, administrative fees, and the expenses associated with the underlying sub-accounts. The prospectus contains this and other information about the variable annuity. Contact Don Richards at 16 Inverness Place East, Suite E-200 Englewood, CO 80112 or (303) 662-8332 to obtain a prospectus, which should be read carefully before investing or sending money.

Employer-Sponsored Qualified Retirement Plans

• SIMPLE-IRA plans
• SEP plans
• 401(k) plans
• 403(b) plans.

Before deciding whether to retain assets in a 401(k) or roll over to an IRA, an investor should consider various factors including, but not limited to, investment options, fees and expenses, services, withdrawal penalties, protection from creditors and legal judgements, required minimum distributions and possession of employer stock. Please view the Investor Alerts section of the FINRA website for additional information.

Education Savings Accounts

Through our broker-dealer Cetera Advisor Networks LLC, we offer a variety of education savings plans:

• 529 college-savings plans
• Coverdell education accounts

Before investing, the investor should 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.

Transfer-to-Minors Accounts

• UTMA / UGMA accounts.

Buy-Sell Insurance

A well-crafted buy-sell agreement for your business continuity.

Personal Disability Insurance

Protect yourself and your family from the financial impact of a serious illness or accident with disability insurance:

• Guaranteed-renewable disability insurance
• Non-cancelable disability insurance
• Specialty occupation disability insurance:
  • Physicians, surgeons and dentists
  • Attorneys, judges and other legal professionals
  • Entertainers and entertainment industry executives
  • Professional athletes
  • Brokers and traders
  • Pilots
  • Blue- and gray-collar workers

The cost and availability of life insurance depend on factors such as age, health, and the type and amount of insurance purchased. Before implementing a strategy involving life insurance, it would be prudent to make sure that you are insurable by having the policy approved. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications.

Long-Term Care Insurance

Protect yourself and your family from the financial impact of personal infirmity with long-term care insurance:

• Personal long-term care insurance
• Personal and spousal long-term care insurance
• Coverage for parents.

The cost and availability of life insurance depend on factors such as age, health, and the type and amount of insurance purchased. Before implementing a strategy involving life insurance, it would be prudent to make sure that you are insurable by having the policy approved. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications.

Personal Life Insurance

Life insurance is typically purchased to ensure that goals for your family and business are fulfilled in the event of your untimely death. It can be structured to replace income that would have other produced for the benefit of your family and to provide for other specific financial needs (providing liquidity, paying for children’s educations, paying off debts and taxes, and funding the sale of your business.) A variety of types of life insurance are available, and we will assist you in making confident decisions about the amount and types that are appropriate for you and your objectives. We will work with your attorneys to determine the appropriate ownership arrangement of your life insurance, such as by using an irrevocable life insurance trust.

• Term life insurance
• Universal life insurance
• Guaranteed universal life insurance
• Variable universal life insurance
• Whole life insurance
• Accident-only life insurance.

The cost and availability of life insurance depend on factors such as age, health, and the type and amount of insurance purchased. Before implementing a strategy involving life insurance, it would be prudent to make sure that you are insurable by having the policy approved. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications.

Personal Health and Supplemental Insurance

Protect yourself and your family with personal and family health and supplemental insurance. We are licensed and certified to assist with coverage procured through traditional markets or through Connect-for-Health Colorado.

• Preferred-provider organization-based coverage (PPO)
• Health-maintenance organization-based coverage (HMO)
• Health-savings account-based coverage (HSA)
• Supplemental insurance:
  • Cancer, heart disease, stoke coverage
  • Hospitalization indemnity coverage
  • Accident indemnity coverage
  • Medicare supplement coverage. 

The cost and availability of life insurance depend on factors such as age, health, and the type and amount of insurance purchased. Before implementing a strategy involving life insurance, it would be prudent to make sure that you are insurable by having the policy approved. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications.

Personal Liability, Property and Special-Risk Insurance

Through our affiliation with AssuredPartners, Inc., we provide personal lines insurance for individuals and families:

• Homeowner's insurance
• Landlord and renter's insurance
• Vehicle insurance (automobile, collector vehicle, recreational vehicle, boat, motorcycle, snowmobile)
• Valuable articles insurance
• Flood and earthquake insurance
• Large property insurance
• Fine art, jewelry and collectibles insurance
• Antique and exotic automobile insurance
• Personal umbrella insurance
• High-limit personal umbrella insurance
• Risk-management consultation

We also provide access to markets for special-risk insurance, including:

• Special-risk and high-limit life insurance
• Special-risk and high-limit disability insurance
• Special-risk medical insurance
• Disability buy-sell insurance
• Disability buy-in insurance
• Loss-of-license disability insurance
• Loan-indemnification disability insurance
• Contract-guarantee disability insurance.

The cost and availability of life insurance depend on factors such as age, health, and the type and amount of insurance purchased. Before implementing a strategy involving life insurance, it would be prudent to make sure that you are insurable by having the policy approved. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications.

Financial Planning for Retirement

Financial independence during retirement may be your most substantial financial goal. We will estimate what you need to maintain your current lifestyle at retirement, and we will evaluate your retirement accounts (personal and with your company), other investments, and other sources of income. We will help develop a long-term strategy that considers current tax laws and suitable investment vehicles.

Estate Conservation and Wealth Transfer Planning

Generally, the goals of estate planning are to provide for financial security in life and to maximize - given your goals and objectives - the estate for your family and other heirs following death. To fully leverage estate preservation opportunities and develop strategies to help achieve distribution objectives, we will work with you and your attorneys in the following areas:

• Will and trust design strategies
• Property ownership considerations
• Beneficiary designation reviews
• Estate tax reduction techniques
• Insurance analysis
• Qualified plan distribution alternatives
• Employee stock option optimization
• Family-gifting strategies
• Charitable-gifting strategies.

The cost and availability of life insurance depend on factors such as age, health, and the type and amount of insurance purchased. Before implementing a strategy involving life insurance, it would be prudent to make sure that you are insurable by having the policy approved. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications.