Legal Notices

The material on this website is designed for use by financial advisers affiliated with Cetera Financial Specialists LLC and/or Cetera Investment Advisers LLC, and their clients or prospective clients. The content contains information on a variety of topics related to securities, insurance, and other financial products and services. Although some of the information involves tax, legal, accounting, or similar issues, neither Cetera Financial Specialists, Cetera Investment Advisers, nor their affiliates or agents are providing such information for the use of any specific individual, and it may not be relied upon for such purposes.

The information contained on this website is inherently limited in scope and may change without notice. The information also does not contain all applicable terms, conditions, limitations, or exclusions of the products or services described.

Mutual funds and variable insurance products are offered/sold only by means of a prospectus, which contains more complete information, including investment objectives, risks, fees, and expenses, which should be carefully considered. Investors should read the appropriate prospectus carefully before investing.

Copyright Notice. Except as otherwise noted on this website, the contents of this website are copyrighted 2012 by Cetera Financial Specialists LLC. All rights are reserved. No part of the materials on this website, including text, graphics, and code, may be reproduced or transmitted in any form by any means without the express written consent of Cetera Financial Specialists.