The United States Tax Code defines employers in classifications that affect the types of retirement plans they can offer their employees. Governmental, church and other tax-exempt and corporate entities are subject to different laws and regulations.

We are experienced in working with all of these employer types and their participants. From individual IRAs to complex plans with thousands of participants, we can help add value and maximize the benefits of your plan(s).

Our approach is to offer quality investment products and concentrate on the needs of participants, assisting them by:

• Explaining the provisions and options of their plan(s).
  
• Helping assess retirement income needs.
  
• Helping monitor contribution levels.
  
• Helping them establish and maintain investment allocations.
  
• Explaining distribution and rollover options.
  
  

Individual and group retirement plans are subject to complex laws and investment risk. Our investment advisors will help you gain the insight you need for making financial decisions.

^{While this communication may be used to promote or market a transaction or an idea that is discussed in the publication, it is intended to provide general information about the subject matter covered and is provided with the understanding that Cetera Advisor Networks LLC is not rendering legal, accounting, or tax advice. It is not a marketed opinion and may not be used to avoid penalties under the Internal Revenue Code. You should consult with appropriate counsel or other advisors on all matters pertaining to legal, tax, or accounting obligations and requirements.}