Financial Advice

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Cetera Advisor Networks located at Monterey Credit Union have formed a strategic alliance to offer you a range of high quality, affordable investment and life insurance alternatives through Cetera Advisor Networks.

Mission Statement

  • We are committed to providing high quality service and a variety of sound investment opportunities.
  • We are dedicated professionals who always place our clients` interests before our own.
  • Through our efforts to consistently strengthen and expand our network, and by maintaining our flexibility to adapt to change, we remain a leading independently-managed financial services firm.

Our Divisions
Cetera Advisor Networks offers specialized services based upon the varied needs of a broad range of investors.

The Professional Network
The Professional Network helps our financial professionals foster strategic alliances with other professionals including CPAs, tax attorneys, and property and casualty agents, giving you access to the strength of multiple services from one source.

Financial Advising
Cetera Advisor Networks Registered Representative Ron Horta holds a Series 7 General Securities registration, a California Life Disability and Variable Annuity License and a Series 65 Investment Advisor Representative registration. Cetera Advisor Networks is a full services Broker/Dealer and Registered Investment Advisor, providing financial planning, investment advice and brokerage services.

Ron Horta has been a financial advisor with Cetera Advisor Networks since 1996. He has been working with credit unions and their members since 1997. His clientele includes both small businesses and individuals.

A native Californian, Ron is a graduate of both University of California at Santa Barbara and Arizona State University College of Law. He is also an Enrolled Agent with the Internal Revenue Service, which allows him to assist clients with matters before the IRS.

Click here to e-mail Ron

Check the background of this investment professional on FINRA's BrokerCheck

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Cetera Privacy and Other Disclosures

This site is published for residents of the United States only. Registered Representatives of Cetera Advisor Networks 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 representative listed. For additional information please contact the representative(s) listed on the site, visit the Cetera Advisor Networks LLC site at www.ceteraadvisornetworks.com.  For a comprehensive review of your personal situation, always consult with a tax or legal advisor.  Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice.  All investing involves risk, including the possible loss of principal.  There is no assurance that any investment strategy will be successful.

Securities and advisory services offered through Cetera Advisor Networks LLC (Doing insurance business in CA as CFGAN Insurance Agency LLC), a Broker-Dealer and Registered Investment Advisor. Member FINRA / SIPC.  Monterey Credit Union (501 E. Franklin St., Monterey, CA 93940) and Cetera Advisor Networks are not affiliated. CA Insurance License #0C53748

Investment advice offered through Cetera Advisor Networks LLC, a registered investment advisor.

Branch: 501 E Franklin St, Monterey, CA 93940, (831) 647-3834

The broker-dealer, investment advisor, BD agent or IA rep in question may only transact business in a state if first registered, excluded or exempted from state broker-dealer, investment advisor, BD agent or IA rep registration requirements, as may be; and follow-up, individualized responses to persons in a state by such broker dealer, investment adviser, BD agent or IA rep that involve either the effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, as may be, will not be made absent compliance with state broker-dealer, investment adviser, BD agent or IA rep registration requirements, or an applicable exemption or exclusion.

For information concerning the licensure status or disciplinary history of a broker/dealer, investment adviser, BD agent or IA representative, a consumer should contact his or her stated securities law administrator.

Fee-based investment advisory services from this representative(s) available only to residents of California (CA).

NOT A DEPOSIT--NOT FDIC/NCUSIF INSURED--NO BANK/CREDIT UNION GUARANTEE
NOT FEDERAL GOVERNMENT AGENCY INSURED--MAY LOSE VALUE