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
What Key Estate Planning Tools Should I Know About?
How Can a Living Trust Help Me Control My Estate?
What Are the Pitfalls of Probate?
How Can My Gift Benefit Me and the Charity?
How Can I Control the Distribution of My Estate?
How Will I Pay Estate Taxes?
Can I Benefit from an A-B Trust?
What Gifting Strategies Are Available to Me?
How Can I Benefit from a Charitable Lead Trust?
How Can I Benefit from a Charitable Remainder Trust?
How Can I Benefit from a Wealth Replacement Trust?
Could My Family Benefit from a Family Limited Partnership?
What Is the Best Form of Property Ownership for Me?
What Is the History of the Federal Estate Tax?

What Is a SIMPLE?
What Is an IRA Rollover?
What Is a Roth 401(k)?
What Is a Profit-Sharing Plan?
What Is a Money Purchase Pension Plan?
What Is a 403(b) Plan?
Why Do People Buy Annuities?
What Is a Split-Annuity Strategy?
What Are Annuity Living Benefits?
How Much Do I Need to Save?
A New Chapter for Retirement
What Is a 1035 Exchange?
Unforgettable Birthdays
Should You Bank Your Retirement on Your Business?
Will Social Security Retire Before You Do?
How Can I Estimate My Future Social Security Benefits?
What Is a Self-Employed Retirement Plan?
What Are My Retirement Plan Distribution Options?
What Is a Traditional IRA?
What Is a 401(k) Plan?
Save Now or Save Later?
What Is a Roth IRA?

Tax Planning
What Is the Estate Tax?
What Is the Gift Tax?
How Much Money Can I Put Into My IRA or Employer-Sponsored Retirement Plan?
What Is a Required Minimum Distribution?
What Are the Tax Benefits of Charitable Trusts?
When Must Taxes Be Paid on IRA and Employer-Sponsored Retirement Funds?
How Can I Benefit from Tax-Advantaged Investments?
What Tax Deductions Are Still Available to Me?
What Tax-Advantaged Alternatives Are Available?
What Is the Most Tax-Efficient Way to Take a Distribution From a Retirement Plan
Is There Such a Thing as a Tax-Free Investment?
How Can I Keep More of My Mutual Fund Profits?
How Can I Upgrade My Insurance — Tax-Free?

What Are Dividends?
What Is an Exchange-Traded Fund?
How Are Growth and Value Stocks Different?
How Are Mutual Funds Taxed?
What Is Stock?
What Are Zero-Coupon Bonds?
What Is Diversification?
What Types of Bonds Are Available?
What Is a Bond?
What Is a Stock Index?
How Do Mutual Funds and Stocks Differ?
What Is a Mutual Fund?
What Is a Mutual Fund Load?
What Is an Annuity?
What Is the Difference Between a Fixed Annuity and a Variable Annuity?
What Investment Risks Should I Know About?
What Stock and Bond Investing Alternatives Do I Have?
What Is Dollar-Cost Averaging?

Cash Management
What Are Some Tips for Managing My Money?
How Long Will It Take to Double My Money?
How Do Money Market Mutual Funds Work?
How Can I Better Manage My Short-Term Cash?
What Advantages Does a Biweekly Mortgage Offer?
What About Financial Aid for College?
How Does Inflation Affect Me?

Risk Management
Why Purchase Life Insurance?
Why Are Annuities Considered an Insurance Product?
What Is Property and Casualty Insurance?
Do I Need a Business Owner Policy?
What Is Life Insurance for Business Owners?
What Is Split-Dollar Life Insurance?
What Is Last-Survivor Life Insurance?
What Is Term Life Insurance?
What Is Whole Life Insurance?
What Is Universal Life Insurance?
What Is Variable Life Insurance?
What Are the Main Types of Auto Insurance?
How Do I Make a Property Insurance Claim?
How Can I Maximize My Insurance Benefits?
How Can I Insure My Future?
How Can I Protect My Home?
Do I Need Disability Income Insurance?
What Types of Health Coverage Are Available?
How Can I Extend My Liability Coverage?
What Is the Difference Between an HMO and a PPO?
Am I Prepared for Long-Term Care Expenses?
What Does Medicare Cover?

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