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What Is An Annuity?

Immediate or deferred annuity: there's no right answer.

Cetera Wealth Partners is a region of Cetera Advisor Networks. Securities and advisory services offered through Cetera Advisor Networks LLC., member FINRA/SIPC, a broker/dealer and a Registered Investment Adviser. Cetera is under separate ownership from any other named entity.

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 Advisor Networks 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 representative listed. For additional information, please contact the representative (s) listed on the site or visit the Cetera Advisor Networks site at www.ceteraadvisornetworks.com

The registered representative(s) and/or investment adviser representative(s) listed on this website are licensed and registered in the following states:

We are licensed to sell Insurance Products in AL,NC,VA.

We are registered to sell Securities in AL,CT,DC,MD,NC,VA.

Neither Cetera Advisor Networks LLC, nor its representatives offer tax or legal advice. Please consult with your tax and legal advisors regarding your individual situation.

Fernandes Wealth Management, LLC is not a subsidiary of nor controlled by Cetera Advisor Networks LLC.

Fernandes Wealth Management, LLC is not a broker-dealer nor a registered investment adviser.

[ Important Disclosures | Business Continuity | Order Routing Disclosure | www.ceteraadvisornetworks.com ]

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