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What is ATS ?
What is ATS ?
Advanced Time Segmentation®, or ATS for short, is an immediate or future retirement income strategy. ATS uses a time-segmented approach that, at its core, matches a client's assets with their liabilities (i.e., income needs).
The ATS strategy/concept draws upon years of academic research and mathematical calculations to address three important retirement facets. The strategy addresses retirement income needs, future inflation concerns, and addresses the overall risk of each client's unique situation.
To generate these customized strategies, ATS utilizes a proprietary financial planning software exclusive to Cetera Financial Group advisors.
Lifetime Income
Fixed Income
Balanced
Long-Term Growth
Income & Growth
Lifetime Income
This Segment potentially provides investors with guaranteed income for life and is suitable for conservative investors who believe they have a long life expectancy.
Fixed Income
This Segment is designed to be spent down over 5 to 7 years thus "buying time" for the Balanced Segment to potentially grow. This category is usually invested in safe, sometimes guaranteed, investments.
Balanced
This Segment is a bridge between the Income Segment and Growth Segment. This Segment is designed to replenish the Fixed Income Segment resulting in additional time for your long-term investments to potentially grow.
Long-Term Growth
This Segment is designed for 15-25 years of growth. Since the other Segments have provided time, this Segment is designed to grow untouched for many years.
Income & Growth
This Segment is designed to provide both income and growth for the portfolio over the long-term. This category can include alternative investments. Income generated from this category may be used to supplement income required from the Lifetime Income and Fixed income Categories.
ATS Software
ATS Software
The ATS software can be utilized as a stand-alone financial planning tool to illustrate a "roadmap" to retirement for clients, or as an effective implementation tool for other financial planning softwares.
Many advisors that currently use Adviceworks financial planning modules use the ATS software to create compelling income strategies for their prospective or existing clients.
The ATS software generates a concise client deliverable that is easy for both client and advisor to understand and reference during review meetings.
ATS Advisor Network
ATS Advisor Network
The ATS Advisor Network is a group of advisors throughout the Cetera Financial Group that utilize the ATS strategy for their clients. The network offers live small group training and one-on-one case building with designated ATS coaches (all of which are practicing financial advisors).
The ATS network holds a minimum of two live events each month for all ATS advisors to attend. Membership to the ATS network also provides advisors access to over 20 hours of on-demand training videos, practice management deliverables, and access to an optional mentorship program which helps advisors successfully integrate ATS into their practice.
Don’t Just Take Our Word On It
See What Other Advisors Are Saying
Stephen Oliver
Manhattan Ridge Advisors
"The use of ATS has changed my practice and given our clients the confidence to transfer more assets and provide more referrals. Clients truly appreciate a streamlined review process that provides clarity and understanding."
Jennifer Scholfield
Scholfield Wealth Management, Inc
"Managing a client’s retirement income has always been one of the greatest challenges facing an advisor. Using the ATS strategy, we have transformed the way we acquire new clients and it has helped us to secure our existing client relationships."
Daniel M Juechter
Hunter Financial Advisors, Inc
"From a planning perspective, ATS is unlike anything my clients and prospective clients have ever seen. In fact, it leads to two frequent responses: “We have never seen anything like this before” and “I finally understand what we are going to do… what are the next steps?”
Christopher Quebedeau
Cetera Advisor
"Before I starting using ATS for my clients, many of my prospective clients would "try me out" by transferring only a portion of their assets. With ATS, not only has my acquisition ratio increased dramatically, my clients now understand the importance of me managing their whole portfolio, not just a portion of it."
Contact Us
To contact us, please call (714) 634-8051, or fill out the form below and a member of our team will get back to you as soon as possible.
Registered Representatives in the ATS program offer securities through a Cetera Financial Group Broker-Dealer, member FINRA/SIPC. Advisory services are offered through their respective broker dealer's SEC registered investment advisor.
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