Proactive. Responsive. Consistent.

Cetera Research is offered through Cetera Investment Management LLC, a Registered Investment Advisor.

Cetera Research is available exclusively to you through your financial advisor and their broker/dealerâ??s affiliation with Cetera Investment Management. The Cetera Research Team provides your financial advisor – and you – with tools, resources and insights to help you pursue your goals and carefully manage risk.

Through Cetera Research, your advisor has access to outstanding resources to deliver sound investment advice and insights to you. These include thought leadership on the latest detailed market information and investment perspectives, asset allocation strategies, and investment ideas and recommendations.

Why Cetera Research?

The Cetera Research team is dedicated to producing unbiased research. Your financial advisor benefits from this high level of independent research to help identify the best means for you to reach your financial goals. Cetera Research supports financial advisors by giving them the power to access a large-scale, regimented body of research, including:

• In-depth market perspectives
• Timely economic insights
• Asset allocation recommendations
• Manager guidance
• Model portfolios

Hereâ??s how the cornerstones of Ceteraâ??s Research philosophy help you and your advisor:

Proactive

We provide research to your advisor that uses a broad, forward-looking macroeconomic assessment of the market climate. This allows us to determine which areas of the market hold the greatest opportunity. Ceteraâ??s Research team members cover multiple areas of expertise, to ensure that your advisor has access to a broad range of research resources to fit the individual needs of you and their other clients.

Responsive

Cetera Researchâ??s team of experts is here as a partner, to help financial professionals understand the complexities of the market by supporting them with a disciplined, regimented process focused on their clientsâ?? long-term goals. In addition to numerous publications for advisors and monthly conference calls, the Research team is available for one-on-one conference calls with all Cetera advisors.

Consistent

Cetera Research uses a disciplined, regimented process to support clear long-term goals for your advisor and you. By evaluating a broad range of market indicators, including economic growth projections, market liquidity, volatility, political environment, secular growth cycles as well as potential investment horizon, Cetera Research is able to offer consistent portfolio advice for our advisors to use with you.

Focus on Clients

Ceteraâ??s Research is focused on giving advisors the tools they need to help their clients meet their financial objectives. As a Cetera client, your advisor can provide you with access to a variety of market commentaries, educational materials from Cetera and its strategic partners, and thought leadership on up-to-the-minute investment topics.

The Cetera Research Team

Behind the research Cetera offers is a team of dedicated industry experts, with an average of 21 years of industry experience; with many members having earned advanced degrees and designations such as the Chartered Financial Analysts (CFA). They specialize in providing research and investment analysis for equities, fixed income, and alternative investments, analyzing the nuances of various fund classes, and provide advisors with additional insights through the Monthly Market Monitor and Quarterly Recap Reports, which are made available to clients of Ceteraâ??s advisors.

Ceteraâ??s Research Team also manages the strategic and tactical positioning of Ceteraâ??s asset allocation strategies, diversification, and online equity research platforms, which are made available to advisors through a suite of online investment tools.

They are frequently sought out as media experts whose insights and commentaries have appeared in the Wall Street Journal and on CNBC, Fox News, Marketwatch, and others.