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Advisory Services / Managed Accounts

Managed Accounts from F.N.B. Investment Services consider your specific goals, objectives, and needs. Our Financial Advisors work closely with you to have control over your assets.

Solutions as Unique as Your Goals

Your investment goals are truly unique. Our financial advisors work with you to build a financial plan that’s tailored to your needs. We’ll put together the “big picture” that helps solve the puzzle which is built around a holistic plan for managing your wealth. There are multiple tools to use for every job, and we can provide you with a variety of services to address different investment needs.

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Planning and investing can be complex. Our financial advisors have the tools and solutions to help you to establish a personalized plan to increase your probability of success. You may need a personalized level of service to help you answer some of these questions about your investments goals:

  • Do you want to start building a portfolio and planning for the future?
  • Can you use your assets to send your children to private school or college?
  • Do you need guidance on how to manage your investments to potentially retire at 65?
  • Do you know how much money you will need to fund the retirement lifestyle of your dreams?
  • Is it possible to do all of the above and still buy that vacation home you’ve always wanted?

Charting Your Course

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1. Step 1

Identify Needs and Objectives

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2. Step 2

Gather Information

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3. Step 3

Analyze Information

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4. Step 4

Develop a Plan of Action

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5. Step 5

Implement the Plan

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6. Step 6

Review Progress

Advisory Services

In an advisory relationship, you generally pay a fee that is a percentage of the account’s value, or a fixed fee per service for personalized advice and guidance, instead of a commission for each trade. In this capacity, we provide the following services:

  • Portfolio construction
  • Investment recommendations
  • Ongoing investment advice
  • Financial planning tailored to your unique goals and timelines

Advantages

  • You can grant discretion, which lets us proactively manage your account in real time according to your risk profile: if a stock reaches a pricing threshold, we can trade it without asking for your permission
  • You and I will meet as often as need-ed to ensure your investment policy is tracking toward its goals, and you will receive regular performance re-ports that document your progress
  • Advisory fees are either a fixed amount per service or a fixed percentage of your accounts’ values, so the fees that you pay are directly proportional to the services provided and performance of your accounts, and are listed in your performance reports

Trade-offs

  • Advisory accounts generally require a higher investment minimum, relative to a brokerage account
  • May not be cost effective if you want to buy and hold a small number of securities
  • Not ideal if you want to make a one-time purchase of a security (such as a stock or mutual fund) or only want occasional recommendations on investments
  • May not be favorable if you prefer to pay us based on transactions
Notices & Disclosures

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Located at: 532 Main Street, Suite 6, Johnstown, PA 15901 / 877-871-7680

F.N.B Investment Services is a marketing name of Cetera Investment Services.  Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRARedirect icon/SIPC.Redirect icon Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Investments are:

Not FDIC/NCUSIF Insured Not Financial Institution Guaranteed May Lose Value
Not Insured by Any Federal Government Agency Not a Bank Deposit

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This site is published for residents of the United States only. Registered Representatives of Cetera Investment Services 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 advisor listed. For additional information please contact the advisor(s) listed on the site, visit the Cetera Investment Services LLC site at www.ceterainvestmentservices.com.Redirect icon


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