Advisory Advocacy is in our DNA

Wharton Investment Consultants is a group of independent financial advisors

based in Wilmington, Delaware who are dedicated to providing a wide range of

quality products and services to financial advisors and CPAs.

Our mandate is to act as advocates for our advisors –– men and women who are

passionate about investment counseling, share a commitment to business success

and who seek a culture that supports family and work-life balance.

Our servicing expertise allows our advisors to continue to focus on their growth

and uncover more opportunities whether they are new to the industry or have

been a practicing professional for many years.

We expand the benefit of working with us by adding institutional depth and

access to a broad range of award-winning products and services offered through

our broker-dealer, Cetera Advisor Networks, and its parent Cetera Financial

Group. Cetera Advisor Networks offers a highly acclaimed technology platform,

pro-active research, comprehensive due-diligence, training, and industry-leading

marketing programs.

We are committed to maintaining the highest standards of integrity and

professionalism in our relationship with you, our client. We offer the experienced

partnership you need to continue to expand and succeed.

For more information, please contact Stuart F Cameron BEM, Branch Manager and Financial Advisor,

Wharton Investment Consultants; 5010 Canby Drive, Wilmington DE 19808-1102; 700 Delaware Street, New

Castle DE 19720; Office: (302) 239-2111 Fax: (888) 438-6460; Sfcameron@ceteranetworks.com;

www.whartonic.com

For use with financial professionals only. Securities and advisory services offered through Cetera Advisor Networks LLC

(doing insurance business in CA as CFGAN Insurance Agency), member FINRA/SIPC. Cetera is under separate management

from any other named entity.

No matter what size firm you come from, you’ll find that Wharton Investment Consultants makes the

capabilities of a large full service firm accessible on the local level. Take a look:

Competitive Investment Offering — A wide range of investment and insurance vehicles includes

managed money, alternatives and annuities; as well as access to institutional-grade portfolio

management tools and allocation strategies.

Consolidated Client Services — Resident expertise embraces financial planning and consulting, as well

as ERISA participant consulting; wealth management, estate, and retirement planning; investment

services and management, tax management and insurance and protection planning.

Growth-Oriented Compensation — Our payment is based on the branch performance versus an

individual one to ensure true peer-to-peer collaboration as well as a client-centric approach.

Operational Flexibility — An accessible platform gives you a one-click access to a dynamic suite of

proprietary and industry-leading tools, centralized client data and business information — all in one

powerful workstation.

Proven Support — We deliver compliance approved communications, personally evaluate products and

managers and handle back office operations.

Wharton Investment Consultants was created by financial professionals just like you. As advisors

ourselves, we have the direct experience and the resources to help you meet your objectives and advance

your business to the next level. Whether you are an emerging practice still building your client roster, an

established firm looking to refine your service model and target a niche, or a transitioning firm

contemplating an appropriate successor, we can assist you every step of the way.

We are a partner with a solid foundation for your immediate needs and long-term challenges. Here, you’ll

find:

• Resources to help accelerate your growth and focus on your profitability

• A supportive team that’s devoted to your continuous success

• Freedom to determine your own revenue model and to select wealth management solutions that

work best for you

• The tuck-in support of a wirehouse with the benefits of an independent payout structure

Wharton Investment Consultants gives you a single source for proven, results-oriented business

development solutions.

During the first few years of building your business, much of the focus is on acquiring

your clients and determining your business and service model.

At Wharton Investment Consultants, we put our entire team of experienced

entrepreneurs behind you to share best practices and help you attain new clients,

increase your personal production and create a successful marketing plan. You can also

outsource your day-to-day management to us.

We and Cetera Advisor Networks will give your emerging practice an extensive level of

support, including:

• One-on-one transition support • Account openings and transfers • Ongoing administrative and back-office services • Committed compliance with an efficient turnaround

• Turnkey Connect2Clients® marketing and social media program

• Referrals • Integrated technology solutions • Education and Training

Continued success is often the result of refining your value proposition to meet the needs of your ideal client

base and to avoid a potential growth plateau. Wharton Investment Consultants can help you attract new

opportunities by choosing a mix of products and services that supports your business strategy, by defining

administrative responsibilities to control costs and manage consolidation, and by creating a targeted

marketing strategy.

Through the expertise of Cetera Advisor Networks and Cetera Financial Group, we offer and give you access to:

• A broad and deep selection of non-proprietary products in many asset classes and legal structures

• Premier advisory programs • Comprehensive research and due diligence • Wealth transfer, retirement funding and distribution, and business and succession planning expertise

• Fee-for-service options • Consulting services agreements

• Financial assistance with practice acquisition • Niche marketing, and annual marketing events and ideas

Wharton Investment Consultants can help you optimize the value of your business, create additional revenue

streams and maximize your income potential.

After years of investing in your business, your employees and your clients, you are ready for the next step

in your business’ life cycle. How do you determine your practice’s worth, continue to increase its value and

evaluate potential suitors?

Wharton Investment Consultants is uniquely positioned to provide you with an objective assessment based

on your cash flow and business-model analysis, peer-to-peer comparisons and industry research. We will

help you:

• Consider your firm’s equity distribution options • Perform M&A scenarios or strategies to gain scale

• Create customized estate, succession and financial plans • Understand what is required for successful execution of a succession plan

• Identify personal and business goals regarding transition

• Address liquidity needs • Assess any changes that may impact valuation, as well as develop contingency plans

• Develop an interim succession planning agreement or a buy/sell “key man” agreement

Wharton Investment Consultants helps you capture the most value through careful advance planning

and a comprehensive assessment.

For use with financial professionals only. Securities and advisory services offered through Cetera Advisor Networks LLC

(doing insurance business in CA as CFGAN Insurance Agency), member FINRA/SIPC. Cetera is under separate management

from any other named entity.

No matter who you choose as a partner for your business,

you need to know what you want to get out of the relationship

in order to make it worthwhile. Are you:

• In the early stages of development and want to lay

the foundation for your business?

• Satisfied with your business foundation, but looking to

secure greater operational efficiency or realize greater

revenue through new products and services?

• In transition and developing a succession plan or new

business strategy?

• Simply looking to broaden your services and create a more complete

client experience with a knowledgeable, collaborative partner?

Wharton Investment Consultants can help you create a path to greater success. Talk to our advisors—particularly

those who joined us when they were at the same point in their career as you are today. Ask them why they chose

to work with us, what their transition was like, and how we helped them create the business and client experience

they were looking for.

Then put our services to the test. Discuss with our advisors what their most challenging experience was and how

they overcame it with our support. Ask what happens when you want to use investments outside of the firm. Is

there significant turnover in back-office support or operations? Ask the questions that matter most to you.

We think you’ll find we deliver a different kind of experience, where we not only identify solutions for the

challenges advisors face every day, but also provide the guidance of a mentor who can lead the way.