Accumulators
There is no get rich quick scheme, there is only discipline. Generally, these people are between 35-55 years old and have a minimum of 20% annual savings relative to their gross income.
Our firm can guide you towards an efficient allocation process* that will streamline your portfolio and reduce your indirection.
*Asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns.
Retirees
Retirement can look different depending on your values. We best serve people who have generated a nest egg of sufficient size where they can live off approximately 4% of their assets annually. (every $100k in annual spend requires $2.5M in assets)
Strategic Portfolio Optimization is our purposed matched process to effectively manage your income needs and works in tandem with our risk technology platform 
High Net - Ultra High Net Worth
More money, more problems. All kidding aside, we understand that the needs of these clients are situationally specific. A high level of service is a mandate for these clients, so our value add comes from our cutting-edge product menu.
These clients have already made their wealth in excess of $3M for High and $30M for Ultra-High. Preserving, diversifying*, and tax-consciously passing estate value** to future generations is aided by access to unique marketplaces.
Check out our suite of HNW services and products to learn more.
*A diversified portfolio does not assure a profit or protect against loss in a declining market.
**For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisors LLC nor any of its representatives may give legal or tax advice.