The only program that enables advisors to learn, promote, teach, and advise clients on life’s complex financial issues.

GROWTH STRATEGIES FOR SOLO ADVISORS AND TEAMS

Turn Your Value Proposition Into a Money Maker That Adds Assets and New Clients Every Month

Join the Horsesmouth Master Member Program, the industry’s only advisor support platform that gives you the technical skills, tools, marketing, and community to grow your business no matter what!

With our exclusive partner discount for Cetera Financial Group advisors, you save 77% on a membership valued at over $6,900! This is the lowest price available, and only available to Cetera-Affiliated Advisors.

TESTIMONIAL: John Wilsey, CRC, NSSA, BPS Financial Services—Cetera Advisor Networks LLC

What is the Horsesmouth Master Member Program?

The Horsesmouth Master Member Program offers solo advisors and teams the “advisor infrastructure” to increase capacity and performance without adding unwanted overhead.

The program supports you in three ways:

Advances your skills in key technical disciplines: Tax planning, Social Security, Medicare, IRAs, tax planning, income planning, long-term care, estate planning, college planning, and cybersecurity.
Promotes your expertise with turnkey FINRA-reviewed contentthat positions you as a financial educator.
Surrounds you in a community of industry leaders and growth-minded advisors who share what’s working in today’s markets.

Here’s how your life and work will change:

Your marketing goes on autopilot. You’ll know exactly what to do and when. You don’t have to create or schedule anything. Just note what’s coming up on the Master Member Marketing Calendar, brand, download, and send.
You’ll always have good answers. In fact, you love Q & A. You can handle the tricky questions, and if you don’t have a specific answer, you’ll know where to find it to get back to your client quickly.
You’ll always have something new to talk about. You’ll become the “big ideas person” who has fresh insights that impress people—and that other advisors haven’t heard of yet.
You can beta test new services. Analyze a scholarship offer for a college-bound family. Talk to a working Boomer about their retirement tax strategy. Try expanding your services slightly to see how clients respond and if it benefits your bottom line
CPAs and attorneys will call you. You’ll build a reputation as a trustworthy expert with a firm grasp of the issues. Clients, prospects, and COIs will notice you’ve got the range and depth to handle complicated cases.
You’ll build a fan club. Your ongoing activities and marketing mojo will turn skeptics into raving fans who attend your events and bring their friends.
You’ll always be at the top of your game. Rule changes? New legislation? New marketing ideas? You’ll always be up to date on the latest trends and techniques—and be able to go market with them before anyone else.
You get to award CPAs continuing education (CE) credits. You know you’re in a good place when you find yourself explaining IRAs to a room full of CPAs… for an hour… of their undivided attention. It’s a good feeling. And a business builder.

How a Master Membership works

The Master Membership operates something like a fund of funds… for professional development.

Your annual membership gives you access to 11 standalone Horsesmouth programs—nine covering key technical skills that clients need today, plus two marketing programs that help you educate and communicate with clients and promote your business to prospects, CPAs, and attorneys.

As a Master Member, you get the technical guidance you need to add more services, and the marketing materials that attract wealthy clients with challenging financial planning and investment needs.

A partial list of Master Member resources:

Expert support, tools, and software in eight technical topics

Become the go-to expert on tax planning, Social Security, Medicare, IRAs, estate planning, caregiving, long-term care, college planning, and cybersecurity.

Monthly marketing program amps up your business development

Get a field-tested monthly marketing program that optimizes your emails, communications, and events. Totally turnkey. All you do is execute… and respond.

Turnkey, compliance-ready educational content that triggers new business

Tap into a library of 150+ FINRA-reviewed postcards, handouts, campaigns, and 100+ educational articles that address clients’ pain points and position you as a financial authority.

35+ presentations covering every aspect of retirement planning

Access turnkey workshop and webinar presentations that are always up to date and FINRA-reviewed. As one Master Member says, “Now people.”

Big ideas from the industry’s best minds and visionaries

Connect with industry rockstars who actively champion your personal and professional development.

A support community of growth-minded advisors

Learn what’s working, what’s not, and how to avoid expensive mistakes.

VIP discounts on workshops, products, and software

Get a 25% discount on all Horsesmouth workshops, print products, software, and services, including affiliated partners.

The Learning Exchange

Master Members can register anytime for exclusive regular Learning Exchange meetings where Master Members and Horsesmouth staff come together to discuss, share, and problem solve.

Yes, I want to be a Master Member for 77% off. Sign me up!

The Master Membership includes resources to support the ever-changing financial and economic landscape

Most advisors are paralyzed right now and not only have they stopped marketing, they’re failing to communicate with their own existing clients. Their clients are ripe for the picking for advisors who get even more aggressive with their outreach now.

Get ahead of the game with:

Pre-written, customizable financial crisis email templates and phone scripts that demonstrate your ability to be proactive in less-than-ideal situations, while keeping your clients’ assets top of mind.
Timely market updates from our experts which offer insight into the best ways to approach client communications in a down market.
Market update webinars that you can deliver to clients to keep them updated, informed, and aware.
And much more!

Advisors who lead with education and financial planning instead of with investment performance are at a tremendous advantage right now, both in marketing for new clients and in terms of being able to keep current clients calm and on course. Clients with a financial plan handle market fluctuations much better than clients who are only focused on their investments.

Get your questions answered by our subject matter experts

As a Master Member, you get front-of-the line treatment when you post a question to any of our flagship programs.

Whenever you have a question about a certain topic, just click over to the program, find the Q & A link in the navigation, then post your question.

You’ll get an answer in less than 48 hours.

A turnkey monthly marketing plan—just download and execute

Month in and month out, your Master Membership tees up a complete turnkey marketing plan for you to customize, download, set, and send.

It’s that easy.

Want to send a newsletter? It’s there each month.

Want to send clients and prospects a timely article reprint that aligns with a sensible monthly marketing theme? We’ve got you covered.

Getting ready to educate clients and prospects this month? There’s always a featured presentation keyed to the monthly marketing theme. Plus dozens more are always available to you.

There’s ALWAYS a simple, yet powerful marketing activity you or your team can complete with your Master Membership. No marketing program for financial advisors comes close to matching your Master Membership marketing choices.

And Master Members are eligible to attend private Learning Exchange webinars hosted by some of the brightest minds in the business who will brief you on the latest developments in each subject matter area.

It’s a platform—and a community—of professional development and actionable insights that can expand your list of services, help you develop new niches, and strengthen your value proposition as the go-to financial educator.

Yes, I want to be a Master Member for 77% off. Sign me up!

35+ PowerPoint presentations addressing critical client pain points

As a Horsesmouth Master Member, you get access to over 35+ scripted presentations covering in-demand topics like retirement planning, tax planning, Social Security, Medicare, IRAs, estate planning, college planning, and more.

Each presentation comes with a slide deck, script, handouts, and a marketing toolkit to help you schedule and promote your workshop, seminar, or webinar.

All decks and scripts have been professionally researched, vetted, written, and designed. Materials are FINRA-reviewed and updated annually and whenever rules change.

You even get a list of questions you’re likely to get and how to answer them—plus, new ideas that will get people talking to you… and about you.

What Baby Boomers Need to Know About Their Retirement Income

Social Security Presentations

What Baby Boomers Need to Know to Maximize Retirement Income
Social Security Planning for Women
Social Security Planning for Couples
What’s New with Social Security? 7 Topics to Watch in 2025
Basic Rules and Claiming Strategies
What CPAs, Attorneys, and Other Professionals Need to Know About Social Security Claiming Strategies

Managing Health Care Expenses in Retirement

Medicare Presentations

Managing Health Care Expenses in Retirement
30 Minutes on Medicare Basics
Transitioning to Medicare
Managing Health Care Expenses in Retirement for CPAs

How Tax Planning Changes Through Four Stages of Retirement

Tax Planning Presentations

How Tax Planning Changes Through Four Stages of Retirement
The New Tax Law Workshop: 20+ Questions Every Person, Family, and Business Must Answer Soon!
The New Retirement Rules: Understanding SECURE Act 2.0
How Tax Planning Changes Through Four Stages of Retirement For COIs

College Planning Presentations

4 Keys to Cutting College Costs: How to Avoid Overpaying
An Inside Look at Qualifying for Financial Aid

Strategies to Help You Save Taxes and Get More Out of Your IRA

IRAs and Retirement Planning Presentations

Strategies to Help You Save Taxes and Get More Out of Your IRA
6 Retirement Account Options Every Retiree Must Know: Picking the Right One After You’ve Left Your Job
Should I Stay or Should I Go? An Overview of the Factors to Consider When Making Rollover Decisions
Savvy IRA Planning for CPAs: 10 Things CPAs Should Know About IRAs
The New Retirement Rules: Understanding SECURE Act 2.0
Life After Work: How to Create a Good Life in Retirement
How to Get Rollover Ready
COI Roundtable: Tapping into Retirement Accounts
COI Roundtable: Understanding the Net Investment Income Tax

Long-Term Care Presentations

Getting Long-Term Care Planning Right: New Approaches for People at All Stages
4 Keys to Making a Difference in a Family Caregiving Challenge

6 Steps to Legacy Planning for the Generations

Estate Planning/Legacy Planning Presentations

6 Steps to Legacy Planning for the Generations
How to Plan, Communicate, and Execute the Smooth Transfer of Assets and Values from One Generation to the Next
Why Estate Planning? Why Now?

Cybersecurity Presentations

1 Hour to Savvy Cybersecurity: 10 Threats Every Person and Business Faces—and How to Fight Them Now
30 Minutes to Savvy Cybersecurity: 5 Threats Every Person and Business Faces—and How to Fight Them Now
Will Hackers Scam Your Business? 5 Threats Every Company Faces and What Executives Should Do to Boost Cybersecurity at Work
Hack-Proof Your Smartphone

TESTIMONIAL: John Mayfield, JD, CFP®, Davis Financial Services, Inc.—Cetera Advisors LLC

Yes, I want to be a Master Member for 77% off. Sign me up!

150+ emails, newsletters, drips, and handouts that get clients to act

As a Master Member, you have VIP access to two important Horsesmouth marketing programs: Advisor/Client and Advisor/CPA. Choose from over 50 campaigns and hundreds of FINRA-reviewed marketing materials that will help you stay top-of-mind with clients, prospects, and strategic allies.

All client-facing content comes with a FINRA Review Letter that expedites your materials through compliance.

Postcards, emails, videos, posters, and handouts can be customized with your name, image, contact information, and even different colors to align with your brand.

Here’s a partial look at just some of the materials available to you through your Master Membership:

Key Financial Data

Retirement Calendar Checklist

Savvy Cybersecurity Quick Reference Guide

Key Planning and Investment Deadlines Postcard (4 times per year)

Financial Fitness Checkup

100+ Educational Articles

Informational Postcards

Educational Guides

Yes, I want to be a Master Member for 77% off. Sign me up!

Reasons to join—in the words of Master Members:

We asked Master Members to tell us how the program worked for them. Here’s what they said:

“It’s a very well-rounded, thorough approach to each topic because of all the steps that you’ve gone through to pull the material together, both the client-facing stuff and then the backstage stuff that we need to educate ourselves on, or put together and send to Compliance—even the preapproved FINRA letters that are already good to go—those are very helpful. It takes out a lot of the friction that keeps advisors from actually doing marketing.”

Pete Bush, CFP®
Horizon Financial Group
Cetera Advisors LLC

Become a Horsesmouth Master Member and grow your technical skills, client list, and bottom line. As a Cetera-affiliated financial professional, you will save 77%!

Yes, I want to become a Master Member! For just $1,600 a year—a 77% savings— I will get complete access to the full range of programs and services offered by Horsesmouth, including:

VIP access to all Horsesmouth programs (valued at over $6,900 per year)

Savvy Social Security Planning ($697 value)
Savvy Medicare Planning ($597 value)
Savvy IRA Planning ($597 value)
Savvy College Planning ($597 value)
Savvy Cybersecurity ($597 value)
Savvy Long-Term Care Planning ($597 value)
Savvy Generational Planning ($597 value)
What’s Working Now ($97 value)
Savvy Tax Planning ($697 value)
Advisor/Client ($997 value)
Advisor/CPA ($597 value)
Horsesmouth ($247 value)

Access for your team:

You receive two additional logins to your Master Membership for your marketing and administrative staff.
Discounted memberships, plus optional team branding for all client-facing materials, available for other advisors on your team; just contact Member Support after you register.

VIP treatment:

Get the latest materials first whenever they come out
Master Member questions always go to the front of the queue
Updated handouts and materials are sent to you every year (available online for digital-only memberships)

Discounted program pricing:

Purchased separately, all the programs would add up to $6,914 per year
Your price for Master Membership will be $1,600: $5,314 off—a 77% discount

Global discount of 25% applies to anything else purchased from Horsesmouth:

Whether that’s small like printing the Key Financial Data postcard every year
Or big, like attending a workshop, which could save nearly $575 each event

Global discounts also apply to Horsesmouth’s software partners:

25% off College Aid Pro
25% off Holistiplan
25% off i65

Yes, I want to be a Master Member for 77% off. Sign me up!

7 ways to use your Master Membership

Deliver presentations on more than 35 different technical topics:
Some of the most successful advisors these days grow their business by positioning themselves as THE Financial Educator in their region. They deliver a steady schedule of classes, workshops, and lunch-’n’-learns demystifying and simplifying the complex decisions the public must make about their finances and financial planning needs.
Execute a monthly, turnkey marketing plan:
Just personalize and send. It’s that easy for you and your team to get compelling communication out to clients and prospects, including newsletters, article reprints, information handouts, and educational presentations. Just pick, personalize, download, and send. It couldn’t be easier.
Get instant-access to 60+ other marketing campaigns:
In addition to your monthly marketing plan, your Master Membership gives you and your team complete access to the Advisor/Client turnkey marketing program, including more than 60+ campaigns. That includes access to the annual Marketing Bootcamp program and an array of client communication campaigns and action webinars.
Provide important resources to clients and prospects:
As a Master Member, each year you’ll get 50 copies of the laminated handout guides from Savvy IRA, Savvy Social Security, Savvy Medicare, Savvy College Planning, Savvy Long-Term Care Planning, Savvy Generational Planning, and the Tax Law Briefing Program. You’ll also get 10 copies of Hack-Proof Your Life Now! Plus, you get the 25% discount off 100 copies of Key Financial Data and other custom information products.
Touch clients with personalized newsletters and educational articles:
Never want for communications with clients and prospects. Your Master Membership includes access to a monthly client newsletter, a monthly cybersecurity newsletter, and more than 100 customizable FINRA-reviewed article reprints from leading subject matter experts, with more added every month. Or create your own by leveraging the content in your monthly IRA, Social Security, Medicare, and College Planning newsletters. Or download and customize Charles Sherry’s monthly marketing and investing newsletter.
Develop your strategic allies and deliver CPE education to CPAs and accountants:
The best way to meet and connect with CPAs and other strategic allies is to support them in their own professional development. When you do that, you’re giving first and receiving later. And you’re showing off your professional expertise to a critical class of professionals—the ones who can steer their clients your way. Last year, a record number of Horsesmouth members delivered CPE classes to CPAs and accountant. Now you can, too, with your Master Membership. You get access to more than a dozen CPE-qualified presentations you can teach accountants in your area on topics such as IRAs, Social Security, Cybersecurity, Medicare, College Planning, and more.
Learn at in-person technical and marketing training for 25% off:
Master Memberships get the lowest registration price for our in-person workshops. Attend workshop trainings in tax planning, Social Security, IRAs, Medicare, Financial Educator Marketing, Webinar Marketing, Cybersecurity, and more.