Fee for Service

Advisor-Guided Support - Fee for Service Advice

If you are not in need of our investment services full time because you like to do it yourself, but may benefit from advisor-guided support, our Fee-for-Service Agreement might be just what you need.

This service can be paid either monthly or quarterly, via credit card, debit card or ACH.  We use the same tools and processes as we do for our investment management clients, however you are taking the necessary management and monitoring steps on your own, WITH OUR GUIDANCE as necessary.

Many of you will do well to consider Fee-for-Service as an add-on for a more complete process.

Services that can be provided include:
  • ▪ Asset Allocation
    ▪ Business planning
    ▪ Cash flow or budget planning
    ▪ Charitable giving solutions
    ▪ Tax planning strategy
    ▪ Compensation strategy
    ▪ Education planning
    ▪ Estate planning
    ▪ Financial statement and portfolio reports
    ▪ 401(k) participant advice
    ▪ Insurance needs analysis
    ▪ Multi-generation planning
    ▪ Personal financial planning
    ▪ Protection planning and family security
    ▪ Retirement accumulation/income strategy
    ▪ Wealth accumulation and preservation strategy
    ▪ Advice on accounts held outside of Cetera
    ▪ Real estate strategies

Sample Topics include:

Starting Out Established and Building Approaching Retirement

Balancing a budget (income & expenses)

 

 Budgeting (income & expenses) Budgeting (income & expenses)
Establishing an emergency reserve Financial goals review

Home sale/purchase advice

 
Student loans repayment strategy Home sale/purchase advice

Financial education/suppor for teen & adult children

 
Debt-elimination strategy Planning for children

Investment analysis and strategy

 
Employer benefits selection

Plan for the cost of childcare

 

 Trust & estate planning
Employer stock option/ESPP plan strategy

Employer stock option/ESPP plan strategy

 

 Business succession planning
Home/car purchase decisions

Employer benefits selection

 

 Taking care of aging parents

Set up will, living will & power of attorney

 

 Trust & estate planning Retirement income & cash flow analysis
Saving for financial goals (vacation, wedding, etc.)

Beneficiary update and asset titling

 

 Social Security review & strategy
Retirement savings plan

Taking care of aging parents

 

 Retireee health care planning
Tax planning

Building retirement savings

 

 Long-term-care planning
  Life insurance Philanthropic giving strategy
  Disability insurance Tax planning
  Tax Planning  

These are just some of the areas we can provide consulting services, call us for more information on 302-239-2111.

Advisory services may only be offered by Investment Advisory Representatives in connection with an appropriate Cetera Advisor Networks advisory services agreement and Disclosure Brochure, as provided.