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Securities and advisory services offered through Cetera Advisor Networks LLC, member FINRA, SIPC. Cetera is under separate ownership from any other named entity.

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 other named entity.  Investment Advisory Services may also be offered through HBW Advisor Services, LLC.

Bradford Financial Advisors, LLC. is not a subsidiary of nor controlled by Cetera Advisor Networks, LLC. (member SIPC)

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.

Working with an advisor that is part of the SmartVestor network cannot guarantee investment success or that financial goals will be achieved.  There can be no assurance that working with a Dave Ramsey SmartVestor Pro (SVP) will produce or achieve better results than working with an advisor not affiliated with the SmartVestor program.  Advisors that participate in this program pay a fee to belong to the program for the client leads that are provided.  Dave Ramsey and the Dave Ramsey SmartVestor program is not affiliated with Cetera and Bradford Financial Advisors and is not sponsored or endorsed by Cetera nor Bradford Financial Advisors.

This site is published for residents of the United States only.  Registered Representatives of Cetera Advisors Networks LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registerd.  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 listed on the site, visit the Cetera Advisor Networks LLC site at www.ceteraadvisornetworks.com

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