Advisor Guided Support - Consulting Advisor-Guided Support - Consulting ServiceIf 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 consulting agreement might be just what you need.This service can either be flat-fee or hourly rate. 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 a consulting agreement as an add-on for a more complete process, however if you are just seeking a second opinion on your investment choices we offer this flat-fee second opinion service as a stand alone as well.Areas guidance can be provided:Financial position review encompasses a thorough review of the client(s) current financial position, including a review of their current cash flow. While not exhaustive, typical elements of this type of review may include the following:· Net Worth Statement · Cash Flow Analysis· Budget Planning· Debt Analysis· Investment Review· Security ResearchRetirement planning typically consists of analyzing the current or expected future retirement needs of the client. Based on your current level of retirement savings, additional retirement (i.e. traditional IRA or Roth IRA) accounts may need to be established or additional salary deferrals may need to be considered.Savings AnalysisIncome Needs AnalysisDistribution PlanningFunding RecommendationsThese 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.