Broker Check

Investment Management

We utilize a hybrid approach, offering brokerage and advisory solutions. 

We have developed a process-driven, risk-based approach to building your diversified investment portfolio. We begin by determining your personal risk tolerance and identifying a goal for each of your account types. We then help you build out a portfolio that matches your goals and target risk. Once built, we monitor your progress and recommend adjustments based upon changes to your goals and shifts in the investment landscape.

Suitability vs. Fiduciary Duty

Why is this important to you? The benchmark standard of suitability responsibility is that financial advice should appropriately fit your needs. A fiduciary responsibility is the legal obligation to provide financial advice in your best interest and holds your financial advisor to a higher standard of accountability and transparency.

ADVISORY ACCOUNT

An advisory account can be a retirement (qualified) or non-retirement (non-qualified) investment vehicle and often utilizes a dynamic investment strategy.

WHAT DOES A DYNAMIC STRATEGY MEAN?


The investor may choose to incorporate multiple strategies within one portfolio, including core, alternative, and/or tactical as well as institutional third-party management.

ADVISORY ACCOUNT CHARACTERISTICS


  • Research and portfolio design provided by your money manager
  • Daily account monitoring
  • Fee-based schedule through a wrap fee; no individual trading costs
  • Full disclosure of any conflicts of interest, supporting proactive transparency to align investor and advisor
  • Well-suited for a variety of investment strategies, including short-term tactical approaches

BROKERAGE ACCOUNT

A brokerage account can be a retirement (qualified) or non-retirement (non-qualified) investment vehicle and is usually suited for a time horizon exceeding five years. This type of account utilizes a buy-and-hold strategy. 

WHAT DOES A BUY-AND-HOLD STRATEGY MEAN?


This approach is generally meant for passive, long-term investor goals. The idea is to build and maintain a stable portfolio throughout market fluctuations, with the goal of capital appreciation and/or income.

BROKERAGE ACCOUNT CHARACTERISTICS


  • Can be considered less of an emotional burden because you do not need to try to "time the market"
  • A long-term buy-and-hold strategy may help to minimize your tax burden by deferring any capital gains
  • There are trading fees for individual buys and sells

Which Account Type Is Right For Me?

A brokerage account can be a retirement (qualified) or non-retirement (non-qualified) investment vehicle and is usually suited for a time horizon exceeding five years. This type of account utilizes a buy-and-hold strategy.

James has just started a mid-level corporate job. With $78K in brokerage accounts, he has a limited need to make frequent trade requests or seek complex financial advice.


James may seek to shift to an advisory account as time goes on and he becomes fully-vested in his new employer plan.

Michael's $2.8 MM portfolio is in advisory accounts because he seeks active money management. As the CFO of his family's company, he seeks access to a multitude of larger institutional strategies through a third-party management options. 

Carrie is a self-employed attorney, with a $450K advisory account. She prefers active management and likes the fee-based schedule.


She doesn't have the time to conduct her own market research and likes that there is a fiduciary responsibility for the advisor to act upon her best interest at all times.

Portfolio Design Process

Regardless of which account structure you choose, we work together and follow a goal-identifying process. This helps us to measure financial milestones and identify recommended adjustments as life changes occur.

Investments in securities do not offer a fix rate of return. Principal, yield and/or share price will fluctuate with changes in market conditions and, when sold or redeemed, you may receive more or less than originally invested.  No system or financial planning strategy can guarantee future results. 

Additional compensation may apply in the form of commissions for purchase of individual stocks, bonds and through service fees (12b-1) for mutual fund transactions. Fees, charges and expenses are detailed in the Cetera Advisors LLC's ADV Part 2A.

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