AdviceWorks® vs PayWindow

Manage and view your full financial picture with the AdviceWorks app, available for clients with Cetera accounts. Experience seamless and intuitive control of your finances wherever you go! Our mobile app extends your personal relationship with your Cetera-affiliated financial professional, providing tools for greater collaboration. Contact your financial professional for access if you don’t already have a username and password. Unlock a suite of essential features: • Stay informed with a dashboard offering a comprehensive overview of your accounts and investment performance • Gain insight into your total net worth, including any linked accounts from other financial institutions, home valuation, and other non-liquid assets • Effortlessly manage financial documents, including account statements, confirms, and advisory reports • Access a secure personal document vault to store digital copies of everything from past tax returns to cherished family photos • Rest easy knowing your information is safeguarded by industry-leading security and encryption measures, including login with Face ID or Touch ID • Foster easy communication with your financial professional through accessible contact details and document sharing capabilities Cetera Financial Group® refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), Cetera Financial Specialists. All firms are members FINRA / SIPC. Individuals affiliated with Cetera firms are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.

Most budgeting, expense tracking and savings planning apps assume everyone has a monthly pay window and is paid on the first of the month. If you're paid weekly, biweekly, semi-monthly, or even monthly on any schedule that doesn't land on the 1st, that mismatch is exactly what makes budgeting feel harder than it needs to. PayWindow builds your budget around your actual pay schedule instead of the calendar. Every paycheck opens its own window — what's coming in, what expenses are due before the next one, what you're putting away for savings and what's left over. Move a bill's due date or adjust an amount for one paycheck, and PayWindow recalculates every window forward automatically. No bank connection required. Everything is entered by you and stored on your device — nothing to link, nothing to sync, nothing to hand over. Free to use: • Accurate weekly, biweekly, semi-monthly, and monthly pay schedules — no guessing, no drift • One income source and one savings goal, fully featured • Unlimited expenses, with weekly, monthly, quarterly, or per-paycheck recurrence • A visual breakdown of every paycheck — tap any slice of income, expense or savings to see exactly where it's going Premium unlocks: • Multiple income sources — track a second job, a spouse's income, or a side gig separately or combined • Multiple savings goals running in parallel, each with its own target date and catch-upstrategy, or a flat amount per paycheck Premium is $2.99/month, $24.99/year, or $79.99 once, with a 7-day free trial. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/