Cetera and ATS Form Joint Venture for AI-Powered Retirement Planning

Jul 21, 2025
Cetera Financial Group and Advanced Time Segmentation have announced a joint venture to provide AI-driven retirement income planning tools to advisors.

Cetera Financial Group has announced a joint venture with Advanced Time Segmentation (ATS), providing Cetera advisors exclusive access to AI-powered software designed to address retirement income challenges, announced in a press release. This collaboration combines Cetera's advisor-focused approach with ATS's innovative technology to deliver a research-based income planning strategy.

The joint venture offers Cetera-affiliated advisors access to ATS's proprietary framework, which aligns client assets with income needs while mitigating market volatility. The AI-powered QuickStart engine allows advisors to create personalized retirement income strategies quickly, enhancing client trust and financial success.

Key features of the joint venture include an AI Voice Assistant for generating retirement plans, QuickStart Planning for defining fees and customizing segments, and Advanced Household Income Modeling for complex scenarios. These tools aim to improve planning efficiency and strengthen advisor-client relationships.

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