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Financial Planning Process

Investments are Not FDIC insured; may lose value; not financial institution guaranteed; not a deposit; not insured by any federal government agency.

Columbia Financial Services can help you develop a strategy for success. With qualified financial advisors and a three-step investment advisory process, Columbia Financial Services has all the tools you need to help reach your financial goals.

Successful financial planning begins with our three-step Investment Advisory Process:

  1. Understanding your financial needs and goals
  2. Creating a personalized wealth strategy
  3. Providing ongoing portfolio management

Begin by setting up a complimentary consultation with a Columbia Financial Services Investment Advisor Representative to discuss your financial goals. By understanding your needs, your advisor can develop a customized financial plan. They will create a personalized wealth strategy using a combination of products and services, such as IRAs, equity accounts, life insurance, etc. From retirement planning to education planning, together you'll build a portfolio of products that can help and secure your financial future. Once the financial strategy is implemented, your advisor will provide ongoing, professional portfolio management at your request.

Members are granted one complimentary consultation, but will be charged a fee for complete financial plans, ongoing asset management, and follow-up consultations. Contact Columbia Financial Services at 1-800-624-0999 for more information about financial planning.

Important Note About Securities and Insurance Products

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Cetera Investment Services registered office located at: 805 Franklin Lakes Road, Franklin Lakes NJ 07417 800-624-0999

Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is not affiliated with the financial institution where investment services are offered. Individuals affiliated with Cetera firms 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.

Investments: • Are not FDIC/NCUSIF insured • May lose value • Are not financial institution guaranteed • Are not a deposit • Are not insured by any federal government agency.

**Consult your legal counsel for advice and information concerning your particular circumstances. Neither Cetera Investment Services, nor any of its representatives may give legal advice.

Click here to view Cetera Investment Services Privacy Policy, other Important Information and Business Continuity Plan.

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