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While many people contact us for a specific investment or insurance need, the heart of our work is in the long term planning process.

We begin by learning as much as possible about your current situation and how you would like it to evolve. We then create a computer model of your trajectory using world class financial planning software. Once the model is built, we are able to "stress-test" an infinite number of techniques, ideas, and concepts. After we work together to find the appropriate strategy for you, we implement with financial tools and products that fit your goals and risk tolerance.

Moving forward, we meet at least annually to keep you on track. The model is always available for us to utilize to test any new goals, ideas, or unexpected events.

Special Areas of Interest Can Refer to Any of the Concepts Below

*Life Insurance, Annuities*, Long-Term Care*, and Disability* refers to insurance programs that can be either fixed-interest crediting or variable-interest crediting.

For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice.

Nicholas Hoeschel provides college planning services through College Cost Solutions. Neither Cetera Advisor Networks LLC nor any of its agents provide college planning services. Any college planning services provided by Nicholas Hoeschel is provided entirely on behalf of College Cost Solutions and is not related to Cetera Advisors Networks LLC or its registered representatives.

*Fee Schedule is a tiered representation of the advisory fee. Depending on the investment strategy, there may be additional investment, platform, or product fees.

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