Most retirement plans answer the wrong question. They tell your clients the probability that they won't run out of money. They don't show your clients where their income is actually coming from — or what happens when markets drop at the wrong time.

That's the problem Advanced Time Segmentation™ (ATS) was built to solve.

ATS is a retirement income planning strategy and software platform available exclusively to Cetera-affiliated financial advisors. It structures a client's assets across five investment categories and three time segments — aligning each dollar with when it will be needed in retirement. The result: a clear, visual income strategy that clients can see, understand, and act on.

"I get a new referral nearly every week from someone impressed by the scenario I created for them using ATS." — Brenda Hotaling, Cetera Investors

What advisors get:
- A repeatable process for every retirement income conversation
- A strategy that addresses sequence-of-returns risk, inflation, and lifetime income in a single client-friendly deliverable
- Coaching, eLearning, and expert support from advisors who use ATS in their own practices

The results speak for themselves:
- In both a bull market (2021) and a bear market (2022), ATS advisors outperformed non-ATS advisors across every major growth category — including 86% greater AUM growth, 140% greater AUA growth, and 150% greater GDC growth. 

- ATS was Cetera's #1 Growth Program two years in a row. (Source: Cetera Financial Group internal analysis, 2021–2022)


Registered Representatives with Securities and offered through Cetera Advisors LLC (doing insurance business in CA as CFGA Insurance Agency LLC) member FINRA/SIPC. Cetera is under separate ownership from any other named entity.


Advanced Time Segmentation™

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Advanced Time Segmentation™

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