Broker Check

Why Cetera Affliation - The Right Connections to Serve Clients

We offer clients options based on costs and preferences

We offer independent investment and financial planning advice as Hutchison Investment Advisors, Inc., a fee-only Registered Investment Advisor- often for a flat fee of $500  depending on complexity. As a fiduciary advisor, we have a legal obligation to look after your best interest.  

We extensively monitor recommended investments. Often we are on conference calls with managers, read managers commentaries, Morningstar analyst reports etc., and update clients on their investments  We also provide extensive client reporting using the Albridge Data Aggregation and Wealth Reporting system.

For the implementation of investment decisions, we offer two choices:

1) As a registered representative of Cetera Advisors, LLC broker-dealer, we offer a commission option which is usually the lowest long-term cost unless you are an active trader, which is not our specialty. Cetera is independent of any investment sponsor and almost any investment options are available. 

2) As an investment advisor representative of Cetera, we offer their extensive fee-only advisory platform where we can tailor recommendations based on your objectives and risk tolerance or use third-party managers and the extensive Advice-Centric ExperienceTM model of Cetera Advisors.

Cetera Advisors, LLC 

Founded in 1981, Cetera Advisors LLC is an independent broker-dealer that has grown into a leading provider of services and products to financial professionals nationwide. Cetera provides the benefits and personalized service of a boutique firm along with the resources and financial strength of a large one. Most importantly, Cetera gives advisors and representatives the flexibility to run our business in a way that best suits our client's financial needs and objectives.

Cetea is a member of Cetera Financial Group, one of the nation's largest networks of independent broker/dealers and investment advisor representatives. We benefit from the strength of their collective size, access to state of the art platforms, and expansive resources. For over 30 years, Cetera’s family of companies has grown to manage over $110 billion in client assets, delivering award-winning advisory products and solutions and sophisticated trading and technology platforms to us and other advisors across all 50 states. You can be confident that their tools, technology and support help make us more effective in our relationship with you.

For corporate pension and profit sharing plans, Cetera's Retirement Practice Consultants offer extensive support.  This includes extensive plan product knowledge, the latest industry insights, and retirement plan-focused technology.  We can provide a complimentary Pension Feasibility Study in an easy to understand format that illustrates the benefits of various plan options with side-by-side comparisons to existing or proposed plans.

George Diachok, Founder

In 1998 Dave affiliated with Cetera (then named Multi-Financial Securities) after selling his broker-dealer and having met founder George Diachok (in the picture)  at financial planner conferences where we were both speakers.  Dave was attracted to his philosophy of doing what was the best for the client not just making the most money from them.

Our Custodians: Pershing and Cetera Investment Services

While a broker-dealer helps supervise and facilitate the trading that converts your cash into invested assets, those assets are actually held by a custodian. Cetera Advisors works with two custodians. Cetera Investment Services LLC custodies individual retirement accounts (IRAs). Pershing LLC custodies brokerage accounts, including the brokerage accounts within IRAs.

Pershing is a subsidiary of the Bank of New York Mellon Corporation, which is the nation’s oldest continuously operating bank and one of the world’s leading providers of securities services. Cetera Investment Services is an affiliate of Cetera Financial Specialists, providing brokerage and other services to its own clients in addition to providing IRA custodial services to Cetera Advisors’ clients. Both Pershing and Cetera Investment Services have to meet certain net capital requirements and are subject to regular audits, both internally and by independent firms, to ensure the appropriate handling, segregation and protection of investors’ assets.

Our Most Important Connection: With You

While the firms behind me play important roles in our day-to-day servicing of your needs, the most important relationship we have is undoubtedly with you. We work with these firms to make it easier for us to work for you. Anytime you would like more information about the above firms, please do not hesitate to ask. We want you to feel confident that you understand, to your satisfaction, how we work with and through these firms, why we have chosen to work with Cetera Advisors, and the absolute priority both Cetera Advisors and we place on our relationship with you.