Cetera Financial Specialists LLC is a registered broker dealer that is part of Cetera Financial Group®. Cetera Financial Specialists LLC provides market perspectives, portfolio guidance, model management, and other investment advice to its affiliated broker-dealers, dually registered broker-dealers and registered investment advisers.

Cetera Financial Specialists LLC delivers a wealth of independent, objective research and guidance designed to make sense out of the complex, often-changing economic landscape. They provide the insight, foresight, and perspective on the financial markets that is used to keep you on track to pursuing greater financial well-being. We partner with the Cetera Investment Management team to acquire a deeper understanding of the economic landscape, maintaining a forward-looking focus on market trends and performance, and creating solutions designed to help you capitalize on that perspective—so you can feel more confident you are on the path to your investment goal.

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 three custodians. Cetera Investment Services LLC custodies individual retirement accounts (IRAs) to ensure they meet Internal Revenue Code requirements for tax deferral. Pershing and Charles Schwab & Co., Inc. custody brokerage accounts (including the brokerage accounts within IRAs) and fulfill a legal responsibility for safeguard-ing your assets while also providing related administrative services on your behalf, including settlement of purchases, tax and account recordkeeping, monthly statements, confidentiality and data integrity protections, and more. BNY is the corporate brand of The Bank of New York Mellon Corporation and may be used to reference the corporation as a whole and/or its various subsidiaries generally.

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. Schwab has more than 20 years of experience serving independent investment professionals, and was a pioneer in the business of serving them and their clients. Like Cetera Financial Specialists, Pershing and Schwab 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.

 For a comprehensive review of your personal situation, please consult with your legal advisor. Neither Cetera Financial Specialists LLC nor any of its representatives may provide legal advice.