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Estate

Manage personal affairs while you're alive and control the distribution of wealth upon your death.

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Insurance

A well-structured insurance strategy can help protect your loved ones from the financial consequences of unexpected events.

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Investment

Create an investment strategy that’s designed to pursue your risk tolerance, time horizon, and goals.

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Lifestyle

How to strike a balance between work and leisure is just one aspect of the wide-ranging Lifestyle matters.

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Retirement

Steps to consider so you can potentially accumulate the money you'll need to pursue the retirement activities you want.

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Tax

Understanding tax strategies can potentially help you better manage your overall tax situation.

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All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful.


The cost and availability of life insurance depend on factors such as age, health, and the type and amount of insurance purchased. Before implementing a strategy involving life insurance, it would be prudent to make sure that you are insurable by having the policy approved. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications.


For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice.

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