The Cahill Group
President & Registered Representative
Who We Are
The Cahill Group, founded by Richard Cahill in 2013, is an independently managed financial company. We are not beholden to large corporate managers trying to influence us to peddle yesterday’s hot product to meet internal sales quotas and help those same managers make hefty bonuses. We do not operate that way. We are different. We answer to our external compliance monitors and no one else. No one tells us we have to sell X amount of one product and Y amount of another. We make decisions based on plans and those plans are based on the particular details of your life. Whether you are trying to get a handle on how to set retirement goals or whether you have experienced a life event like the birth or death of a loved one, we will, independently, give you advice to move forward, walk beside you down that path, and make changes as we go until your goals are achieved. Choosing an advisor is about relationships. You want someone who will help you through the worst parts of life regardless of the time and effort to get you to a better place. The strong bonds we build with our clients are not designed to last for transactions but last for a lifetime. We are here to help with our values of integrity, competency and tenacity to guide our hand in guiding you to a brighter and more prosperous financial future.
About Cetera Advisors
My independent business model ensures I have the autonomy and discretion to put you at the center of all investment strategies and business decisions. Just as I stand behind you to help you pursue your financial dreams, I have teams standing behind me and supporting my business. These firms also strengthen my relationship with you by providing the resources I need to better serve you. I think it’s important for you to know who these partners are and why I have chosen to work with them.
My Broker-Dealer: Cetera Advisors
I am affiliated with Cetera Advisors, one of the premier broker-dealers in the industry. As my broker-dealer, they are responsible for executing trades on your behalf. Like all broker-dealers, they must undergo regular auditing, and are required to meet specific net capital requirements to ensure it can meet its obligations to investors like you.
But their support for our relationship goes well beyond its function as trade executor. My affiliation means that I am not held to a sales quota or tied to selling only proprietary products. I have the independence and freedom to recommend the financial solutions that best suit your needs, ensuring your objectives are what drive all decisions, while Cetera Advisors’ network of people and resources help us pursue your unique goals and vision for the future.
Their Parent Company: Cetera Financial Group
Cetera Advisors is part of the family of independently managed firms of Cetera Financial Group (Cetera). For the past 30 years, Cetera’s family of companies has grown to manage over $110 billion in client assets, delivering award-winning* advisory products and solutions and sophisticated trading and technology platforms to me and other advisors across all 50 states. You can be confident that their tools, technology and support help make me more effective in our relationship with you.
Our Custodians: Pershing and Cetera Investment Services
While a broker-dealer helps supervise and facilitate the trading that converts your cash into invested assets, those assets are actually held by a custodian. Cetera Advisors works with two custodians. Cetera Investment Services LLC custodies individual retirement accounts (IRAs). Pershing LLC custodies brokerage accounts, including the brokerage accounts within IRAs.
Pershing is a subsidiary of the Bank of New York Mellon Corporation, which is the nation’s oldest continuously operating bank and one of the world’s leading providers of securities services. Cetera Investment Services is an affiliate of Cetera Advisors, providing brokerage and other services to its own clients in addition to providing IRA custodial services to Cetera Advisors’ clients. Both Pershing and Cetera Investment Services have to meet certain net capital requirements and are subject to regular audits, both internally and by independent firms, to ensure the appropriate handling, segregation and protection of investors’ assets.
My Most Important Connection: With You
While the firms behind me play important roles in my day-to-day servicing of your needs, the most important relationship I have is undoubtedly with you. I work with these firms to make it easier for me to work for you. Anytime you would like more information about the above firms, please do not hesitate to ask. I want you to feel confident that you understand, to your satisfaction, how we work with and through these firms, why I have chosen to work with Cetera Advisors, and the absolute priority both Cetera Advisors and I place on my relationship with you.