We bring the highest level of integrity and individual attention to every aspect of the financial services we provide. We recognize the value of building strong client relationships and understand that knowing our client, their business, and the family dynamics will enhance our insight to better understanding their objectives. We give practical and sound advice combined with innovative approaches and solutions to reflect our client's personality, lifestyle, and goals.

Our Broker-Dealer: Cetera Financial Specialists

We are affiliated with Cetera Financial Specialists, one of the premier broker-dealers in the industry. As our broker-dealer, they are 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 it can meet its obligations to investors like you.

But their support for our relationship goes well beyond its function as trade executor. Our affiliation means that we am not held to a sales quota or tied to selling only proprietary products. We have the independence and freedom to recommend the financial solutions that best suit your needs, ensuring your objectives are what drive all decisions, while Cetera Financial Specialists' network of people and resources help us pursue your unique goals and vision for the future.

Their Parent Company: Cetera Financial Group

Cetera Financial Specialists is part of the family of independently managed firms of Cetera Financial Group (Cetera). For the past 30 years, Cetera's family of companies has grown to manage over $110 billion in client assets, delivering award-winning* advisory products and solutions and sophisticated trading and technology platforms to us and other advisors across all 50 states. You can be confident that their tools, technology and support help make us more effective in our relationship with you.

Our Custodians: Pershing and Cetera Investment Services

While a broker-dealer helps supervise and facilitate the trading that converts your cash into invested assets, those assets are actually held by a custodian. Cetera Financial Specialists works with two custodians. Cetera Investment Services LLC custodies individual retirement accounts (IRAs). Pershing LLC custodies brokerage accounts, including the brokerage accounts within IRAs.

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. Cetera Investment Services is an affiliate of Cetera Financial Specialists, providing brokerage and other services to its own clients in addition to providing IRA custodial services to Cetera Financial Specialists' clients. Both Pershing and Cetera Investment Services have to meet certain net capital requirements and are subject to regular audits, both internally and by independent firms, to ensure the appropriate handling, segregation and protection of investors' assets.

Our Most Important Connection: With You

While the firms behind me play important roles in our day-to-day servicing of your needs, the most important relationship we have is undoubtedly with you. We work with these firms to make it easier for us to work for you. Anytime you would like more information about the above firms, please do not hesitate to ask. We want you to feel confident that you understand, to your satisfaction, how we work with and through these firms, why we have chosen to work with Cetera Financial Specialists, and the absolute priority both Cetera Financial Specialists and we place on our relationship with you.

A complicated market requires a sophisticated, rigorous investment approach to generate returns and manage volatility.

Through your affiliation with Cetera Financial Specialists, you get access to Tower Square Investment Management LLC—a SEC registered investment adviser owned by Cetera Financial Group. (Tower Square Investment Management was formerly Cetera Investment Management LLC.) Tower Square Investment Management provides investment research and market commentaries, as well as portfolio construction and asset management services, that can help you advance your business and client relationships.

 
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Proactive. Responsive. Consistent.

Exclusive investment research is available to you through Tower Square Investment Management LLC. Tower Square Investment Management provides us— and you — with tools, resources and insights to help you pursue your goals and carefully manage risk.

Through Tower Square Investment Management, we have access to outstanding resources to deliver sound investment advice and insights to you. These include thought leadership on the latest detailed market information as well as investment perspectives, asset allocation strategies, and investment ideas and recommendations.

Unbiased Thought Leadership

Tower Square Investment Management is dedicated to producing unbiased research. We benefit from this high level of independent research to help identify the best means for you to reach your financial goals. Tower Square Investment Management gives us the power to access a large-scale, regimented body of research, including:

• In-depth market perspectives

• Timely economic insights

• Asset allocation recommendations

• Manager guidance

• Model portfolios

Here's how the cornerstones of Tower Square's investment research philosophy help you:

Proactive: Tower Square provides us with research that uses forward-looking macroeconomic assessment of the market climate. This allows us to determine which areas of the market may hold the greatest opportunity. Tower Square's investment research team covers multiple areas of expertise, to ensure that we have access to a broad range of research resources to fit your individual needs.

Responsive: Tower Square Investment Management's team of experts is here as a partner, to help financial professionals understand the complexities of the market by supporting them with a structured process focused on their clients' long-term goals. In addition to numerous publications for advisors and monthly conference calls, the Tower Square Investment Management team is available for one-on-one conference calls with all advisors.

Consistent: Tower Square Investment Management uses a disciplined, regimented process to support clear long-term goals for your advisor and you. By evaluating a broad range of market indicators, including economic growth projections, market liquidity, volatility, political environment, secular growth cycles as well as potential investment horizon, Tower Square Investment Management is able to offer consistent portfolio advice for our advisors to use with you.

 

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