CETERA ADVISOR NETWORKSMy independent business model ensures I have the autonomy and discretion to put my clients at the center of all investment strategies and business decisions. Just as I stand behind my clients to help them pursue their financial dreams, I have teams standing behind me and supporting my business. These firms assist me by providing ample financial planning and investment resources. Below, I would like to introduce my partners and show why I have chosen to work with them. My Broker-Dealer: Cetera Advisor NetworksI am affiliated with Cetera Advisor Networks, one of the premier broker-dealers in the industry. As my broker-dealer, they are responsible for executing trades on my clients' behalves. 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. My affiliation means that I am not held to a sales quota or tied to selling only proprietary products. I have the independence and freedom to recommend the financial solutions that best suit my clients' needs, ensuring their objectives are what drive all decisions.Their Parent Company: Cetera Financial GroupAs the second largest independent financial advisor network in the nation by number of advisors and a leading provider of investment programs to financial institutions, Cetera Financial Group provides award-winning wealth management and advisory platforms, comprehensive broker-dealer and registered investment adviser services, and innovative technology to its family of broker-dealer firms nationwide. Through those firms, Cetera Financial Group offers the stability of a large and well-capitalized broker-dealer and registered investment adviser, while serving independent financial advisors in a way that is customized to their individual needs. Cetera Financial Group is committed to helping advisors grow their businesses and strengthen their relationships with their clients. All of Cetera Financial Group’s broker-dealer firms are members of FINRA/SIPC.Our Custodian: PershingWhile Cetera Advisor Networks helps supervise and facilitate the trading of investments, those assets are held by Pershing LLC.Pershing LLC is a subsidiary of The Bank of New York Mellon Corporation, the nation’s oldest continuously operating bank, and one of the world’s leading providers of securities services. Pershing custodies brokerage accounts for Cetera Advisor Networks, including brokerage accounts with IRAs, and provides related administrative services, including settlement of purchases, tax and account record keeping, monthly statements, confidentiality and data integration. Like Cetera Advisor Networks, Pershing must meet certain net capital requirements, and is subject to regular audits, both internally and by independent firms, to ensure the appropriate handling, segregation and protection of investors’ assets.My Most Important Connection: With ClientsWhile the firms behind me play important roles in my business, the most important relationship I have is with clients. I want you to feel confident that you understand, to your satisfaction, why I have chosen to work with Cetera Advisor Networks. Anytime you would like more information about the above firms, please do not hesitate to ask.