About Cetera Investment Services Our independent business model ensures we have the autonomy and discretion to put you at the center of all investment strategies and business decisions. Just as we stand behind you to help you pursue your financial dreams, we have teams standing behind us supporting our business. These organizations also strengthen our relationship with you by providing the resources we need to offer superior service. We'd like you to know who these organizations are and why we’ve chosen to work with them. Our Broker-Dealer: Cetera Investment Services We’re affiliated with Cetera Investment Services, one of the premier broker-dealers in the industry. They’re responsible for executing trades on your behalf. Like all broker-dealers, they must undergo regular auditing, and are required to meet specific net capital requirements to ensure they can meet obligations to investors like you.But their support for our relationship goes well beyond executing trades. We have the independence and freedom to recommend the financial solutions that best suit your needs—no sales quotas to fulfill or proprietary products to push—ensuring your objectives are what drive all decisions, while Cetera Investment Services’ network of people and resources help us pursue your unique goals and vision for the future. Their Organization: Cetera Financial Group Cetera Investment Services is part Cetera Financial Group, an industry-leading network of independently managed broker-dealers. Cetera’s broker-dealers deliver award-winning advisory products and solutions, and sophisticated trading and technology platforms to me and other financial professionals across all 50 states. You can be confident that their tools, technology, and support help make me more effective in my relationship with you. Our Custodian: Cetera Investment Services Cetera Investment Services helps supervise and facilitate the trading that converts your cash into invested assets and also acts as the custodian for those assets. Cetera Investment Services custodies brokerage accounts and advisory accounts, including individual retirement accounts (IRAs).Cetera Investment Services meets certain net worth and other requirements to be approved as custodians, and is subject to regular audits, both internally and by independent firms, to maintain those approvals. Our Most Important Connection: With You While the organizations behind me play important roles in serving your needs, the most important relationship we have is undoubtedly with you. We work with these organizations to make it easier for us to work for you. If you'd like more information about them, please don’t hesitate to ask. We want you to feel confident that you understand, to your satisfaction, how we work with and through these organizations, why we have chosen to work with Cetera Investment Services, and the absolute priority both Cetera Investment Services and our team place on our relationship with you.