Overview
Financial Partners, LLC is not a registered investment adviser. Investment advisory services are offered through Cetera Investment Advisers LLC, a registered investment adviser. Investment advisory services are designed to support clients in understanding and managing their investment portfolios based on their individual goals, risk tolerance, and financial circumstances.
Fiduciary obligations apply only to services provided under the investment advisory relationship through a registered investment adviser and do not extend to brokerage transactions or other non‑advisory services..
Advisory Relationship
Investment advisory services are offered through Cetera Investment Advisers LLC, a registered investment adviser.
When providing investment advisory services, advisors act in a fiduciary capacity, which requires acting in the client’s best interest, providing advice based on the client’s objectives and circumstances, and making full and fair disclosure of material facts, including potential conflicts of interest.
Fiduciary obligations apply only to services provided under the investment advisory relationship and do not extend to brokerage or other non‑advisory services.
Advisory Services Offered
Depending on a client’s needs and engagement scope, investment advisory services may include:
- Portfolio analysis and asset allocation considerations
- Ongoing portfolio monitoring and review
- Investment strategy recommendations consistent with client objectives
- Risk tolerance and time horizon assessments
- Periodic performance reporting and client review meetings
Specific services, frequency of reviews, and fee arrangements are detailed in the client’s advisory agreement.
Investment Process
Recommendations are developed using information provided by the client and may consider factors such as financial goals, income needs, investment experience, risk tolerance, liquidity needs, tax considerations, and time horizon.
Investment strategies are subject to market risk, and recommendations may change as client circumstances or market conditions evolve.
Fees and Compensation
Advisory fees are disclosed in advance and described in the applicable advisory agreement and Form ADV. Fees are generally based on assets under management or other agreed‑upon arrangements and are not contingent on investment performance.
Clients should review all fee disclosures carefully before engaging advisory services.
Important Risk Disclosures
- All investing involves risk, including the possible loss of principal.
- No investment strategy or advisory process can guarantee results or protect against loss.
- Past performance is not indicative of future results.
Investment recommendations are made based on information available at the time and may not be suitable for all investors.
Relationship to Brokerage Services
Brokerage services are offered through Cetera Wealth Services, LLC, a registered broker‑dealer and member FINRA/SIPC.
Brokerage services are separate from investment advisory services and are governed by applicable suitability and best‑interest standards. Clients may engage investment advisory services, brokerage services, or both, depending on their needs.
Capacity Clarification
Investment advisory services are offered through Cetera Investment Advisers LLC, a registered investment adviser. Brokerage services are offered through Cetera Wealth Services, LLC, member FINRA/SIPC. Accounting and tax services, if offered, are provided separately in a non‑investment advisory capacity.
Regulatory Disclosure
Registration with the Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training.
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