About Advanced Time Segmentation

A Unique Investment Strategy Designed Around Your Timeline

The ATS investment strategy is designed to help you to maintain your lifestyle, keep pace with inflation, and maximize growth for future income. It’s a unique approach that provides a structured yet flexible investment strategy, where every dollar is efficiently utilized for immediate needs, future security, and long-term growth.

The Investment Timeline

Under the ATS model, investments are made that can cover you for immediate needs, mid-term stability, and long-term growth, ensuring a well-rounded financial strategy tailored to each phase of your life.

Money for Now

Money for the Future

Preservation of Wealth

A Robust Investment Structure That Provides Stability

The ATS approach helps to provide financial stability through time-segmented investments, risk management, inflation protection, adaptability, diversification, and a long-term strategic focus.

This comprehensive approach covers every aspect, from immediate needs to future planning, ensuring adaptability to your evolving financial requirements and changing market conditions.

How ATS is Used

The Advanced Time Segmentation (ATS) strategy divides your investments into three buckets: short-term for immediate income, mid-term for medium-term needs balancing risk and growth, and long-term for future growth and legacy planning.

This approach helps to ensure a structured, adaptable income stream throughout different stages of retirement

For use with financial professionals only. Cetera Financial Group (Cetera) is a network of independent retail firms, including those that are members of FINRA/SIPC: Cetera Advisors LLC; Cetera Wealth Services, LLC (formerly known as Cetera Advisor Networks); Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors); and Cetera Financial Specialists LLC. Entities registered as investment advisers with the Securities and Exchange Commission include Cetera Investment Management LLC and Cetera Investment Advisers LLC. Cetera’s principal office is located at 655 W. Broadway, 11th Floor, San Diego, CA 92101.

Avantax Planning Partners, Inc. is an SEC registered investment adviser within the Aretec Group, Inc. (dba Cetera Holdings, an affiliate of Cetera). All the referenced entities are under common ownership.