Client Connections
Understanding and Taking Advantage of the American Recovery and Reinvestment Act
Why Cetera Research?

Quarterly Recap
2nd Quarter 2012
1st Quarter 2012
4th Quarter 2012 Outlook
3rd Quarter 2012
4th Quarter 2012
1st Quarter 2013
2013 Mid-Year Market Outlook
Quarterly Recap - 2nd Quarter 2013
2013 Fourth Quarter Market Outlook
Quarterly Recap - 3rd Quarter 2013
Quarterly Recap - 4th Quarter 2013
Annual Market Recap - 2013
Quarterly Recap 1st Quarter - 2014
Market Outlook - Mid-Year 2014
2014 Fourth Quarter Market Outlook
Quarterly Recap - 3rd Quarter 2014
Market Outlook - 2015
Quarterly Recap - 4th Quarter 2014
Annual Market Recap - 2014
2nd Quarter 2015 Market Outlook
Quarterly Recap 1st Quarter - 2015

Market Commentary
2012 Outlook
January 11th 2012
February 1st 2012
March 5th 2012
March 22nd 2012
April 12th 2012
April 19th 2012
May 2nd 2012
May 30th 2012
June 20th 2012
July 26th 2012
August 7th 2012
November 7th 2012
December 13th 2012
April 2nd 2013
May 2nd 2013
June 28th 2013
July 7th 2013
July 7th 2013 Long Version
August 22nd 2013
September 9th 2013
September 24th 2013
October 3rd 2013
October 10th 2013
November 12th 2013
February 5th 2014
February 18th 2014
March 3rd 2014
March 17th 2014
April 7th 2014
April 16th 2014
May 1st 2014
May 13th 2014
May 30th 2014
July 30th 2014
August 1st 2014
August 5th 2014
September 3rd 2014
September 4th 2014
September 19th 2014
September 18th 2014
September 26th 2014
October 10th 2014
October 15th 2014
October 27th 2014 #1
October 27th 2014 #2
November 6th 2014
November 14th 2014
November 26th 2014
December 15th 2014
December 19th 2014
December 26th 2014
January 9th 2015
January 16th 2015
Feburary 5th 2015
March 3rd 2015
March 11th 2015
April 9th 2015
May 4th 2015

Monthly Market Monitor
January 2012
February 2012
April 2012
May 2012
July 2012
August 2012
October 2012
November 2012
February 2013
April 2013
July 2013
August 2013
October 2013
November 2013
January 2014
February 2014
April 2014
May 2014
July 2014
August 2014
October 2014
November 2014
January 2015
February 2015
April 2015
May 2015

Estates & Trusts
Estate Planning
Living Trusts
Avoiding Probate
Charitable Giving
Controlling the Distribution
Paying Estate Taxes
Benefits of A-B Trusts
Gifting Strategies
Charitable Lead Trusts
Charitable Remainder Trusts
Wealth Replacement Trusts
Family Limited Partnerships
Property Ownership
History of the Federal Estate Tax

IRA Rollover
Roth 401(k)
Profit-Sharing Plans
Money Purchase Pension Plans
403(b) Plans
Why Purchase Annuities
Split-Annuity Strategy
Annuity Living Benefits
How Much Do I Need to Save?
A New Chapter for Retirement
1035 Exchanges
Unforgettable Birthdays
Your Business and Retirement
Future of Social Security
Social Security Income
Self-Employed Retirement Plans
Retirement Plan Distributions
Traditional IRAs
401(k) Plans
Save Now or Save Later
Roth IRAs

Tax Planning
Estate Tax
Gift Tax
Retirement Plan Limits
Required Minimum Distributions
Charitable Trust Tax Benefits
Retirement Plan Taxes
Tax-Advantaged Investments
Tax Deductions
Tax-Advantaged Alternatives
Tax Strategies for Retirement Plans
Tax-Free Investments
Mutual Fund Profits
Tax-Free Insurance Upgrades

Exchange-Traded Funds
Growth Stocks vs. Value Stocks
Mutual Fund Taxes
Zero-Coupon Bonds
Types of Bonds
Stock Indexes
Mutual Funds vs. Stocks
Mutual Funds
Mutual Fund Loads
Fixed vs. Variable Annuities
Investment Risks
Stock and Bond Investing Alternatives
Dollar-Cost Averaging

Cash Management
Cash Management Basics
Doubling Your Money
Money Market Funds
Managing Cash
Biweekly Mortgages
College Financial Aid
Effects of Inflation

Risk Management
Why Purchase Life Insurance
Annuities as an Insurance Product
Property and Casualty Insurance
Business Owner Policies
Life Insurance for Business Owners
Split-Dollar Life Insurance
Last-Survivor Life Insurance
Term Life Insurance
Whole Life Insurance
Universal Life Insurance
Variable Life Insurance
Auto Insurance
Insurance Claims
Maximizing Your Insurance Benefits
Insuring Your Future
Protecting Your Home
Assessing Disability Income Insurance
Types of Health Coverage
Additional Liability Coverage
HMOs and PPOs
Long-Term Care Costs
Medicare Coverage

Securities and advisory services offered through Cetera Advisors LLC, (doing insurance business in CA as CFGA Insurance Agency), member FINRA/SIPC, a broker/dealer and a Registered Investment Adviser. Cetera is under separate ownership from any other named entity. CA Insurnce License #0586997.

Individuals affiliated with this broker/dealer firm are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.

This site is published for residents of the United States only. Registered Representatives of Cetera Advisors LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site, visit the Cetera Advisors LLC site at