About Cetera Advisor Networks My independent business model ensures I have the autonomy and discretion to put you at the center of all investment strategies and business decisions. Just as I stand behind you to help you pursue your financial dreams, I have teams standing behind me supporting my business. They also strengthen my relationship with you by providing the resources I need to offer superior service. We'd like you to know more about these organizations and why I’ve chosen to work with them. My Broker-Dealer: Cetera Advisor Networks I’m affiliated with Cetera Advisor Networks, one of the premier broker-dealers in the industry. They’re responsible for executing trades on your behalf. Like all broker-dealers, they must undergo regular auditing, and are required to meet specific net capital requirements to ensure they can meet obligations to investors like you.But their support for our relationship goes well beyond executing trades. I have the independence and freedom to recommend the financial solutions that best suit your needs—no sales quotas to fulfill or proprietary products to push—ensuring your objectives are what drive all decisions, while their network of people and resources help us pursue your unique goals and vision for the future. Their Organization: Cetera Financial Group As the second-largest independent financial advisor network in the nation by number of financial professionals and a leading provider of investment programs to financial institutions, Cetera Financial Group provides award-winning wealth management and advisory platforms, comprehensive broker-dealer and registered investment adviser services, and innovative technology to its nationwide network of broker-dealers.Through those broker-dealers, Cetera offers the stability of a large and well-capitalized broker-dealer and registered investment adviser, while serving independent and institutions-based financial professionals in a way that’s customized to their individual needs. Cetera is committed to helping financial professionals grow their businesses and strengthen their client relationships. All of Cetera's broker-dealers are members of FINRA/SIPC. Our Custodians: Pershing and Cetera Investment Services While a broker-dealer helps supervise and facilitate the trading that converts your money into invested assets, those assets are held by a custodian. Cetera Advisor Networks works with Pershing LLC to custody investor assets in brokerage accounts and advisory accounts. Pershing is a subsidiary of the Bank of New York Mellon Corporation, which is the nation’s oldest continuously operating bank and one of the world’s leading providers of securities services.Either Pershing or Cetera Investment Services LLC serves as the IRA custodian on individual retirement accounts (IRAs), responsible for tax reporting and administering IRAs. Cetera Investment Services is an affiliate of Cetera Advisor Networks, providing brokerage and other services to its own clients in addition to providing IRA custodial services to Cetera Advisor Networks’ clients. Both Pershing and Cetera Investment Services each must meet certain net worth and other requirements to be approved as custodians, and are subject to regular audits, both internally and by independent firms, to maintain those approvals. My Most Important Connection: With You While the organizations behind me play important roles in serving your needs, the most important relationship I have is undoubtedly with you. I work with these firms to make it easier for me to work for you. If you'd like more information about them, please don’t hesitate to ask. I want you to feel confident that you understand, to your satisfaction, how we work with and through these organizations, why I’ve chosen to work with Cetera Advisor Networks, and the absolute priority both Cetera Advisor Networks and I place on my relationship with you.