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Tamra Maltese

Advisor at Cetera

Updated today

Location

Sidney, MT 59270

Credentials

CFP®, Series 66

Industry experience

23 years

About

Tamra Maltese is a CFP® professional with 23 years of industry experience, currently serving at Cetera. She has held roles at multiple firms including Fiduciary Trust and Avantax, and operates Maltese Financial Services LLC. Outside of her advisory work, she is president and a board member of the Shinnick Memorial Charitable Foundation and participates in her local church finance council. Cetera Investment Advisers supports a diverse client base including individual, high-net-worth, institutional, and retirement-plan clients through a large network of independent advisors. The firm employs a range of portfolio management strategies and fiduciary solutions, combining retirement capabilities with a broad trust and institutional platform.

Client services

Based on Cetera

Financial planning Portfolio management Pension consulting Selection of other advisers Educational seminars or workshops

Expertise

Based on Cetera

Wealth management Tax-loss harvesting Retirement plans for business owners (SEP, solo 401k) Charitable giving & philanthropy

Occupation focus

Based on Cetera

Founder/Business Owner Executive Retired

Demographic focus

Based on Cetera

HENRY (High Earners, Not Rich Yet) Approaching retirement

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Fee options

Fixed

Flat fees for financial planning and consulting negotiated with client

Percentage

$0 - $250,000: Up to 2.75% $250,001 - $500,000: Up to 2.50% $500,001 - $750,000: Up to 2.00% $750,001 - $1,000,000: Up to 1.75% $1,000,001 - $2,000,000: Up to 1.50% $2,000,001 - $5,000,000: Up to 1.25% $5,000,001+: As low as 0.75% (varies by program)

Project-based

Hourly consulting and financial planning rates negotiated with client

Other

Account minimum: $5,000 Minimum fee: Minimum program fees ranging from $99 to $199 annually depending on program Fee-only: Flat or hourly fees for financial planning and consulting services, negotiated case-by-case

Location

919 S Lincoln Avenue

Sidney, MT 59270

Most active in

Montana · Texas

Work history

Cetera Wealth Services, LLC

2025 - Present (1 year)

Cetera

2025 - Present (1 year)

Maltese Financial Services LLC

2021 - Present (5 years)

RC Financial Services, LLC

2019 - 2021 (2 years)

Fiduciary Trust

2017 - 2020 (3 years)

Manzanita LLC

2014 - Present (12 years)

Avantax Insurance Agency, LLC

2008 - 2025 (17 years)

Avantax Advisory services

2004 - 2025 (21 years)

Avantax Investment Services, INC.

2002 - 2025 (23 years)

Tami Maltese M.S. C.P.A. C.F.P.

1984 - Present (42 years)

Tami Maltese CPA

1982 - Present (44 years)

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

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Matthew S

Series 66

Sidney, MT

Empower Advisory Group

Matthew Senn is a financial advisor at Empower Advisory Group with seven years of industry experience. He holds a Series 66 designation and has previously worked at New Century Gold and Thrivent Investment Management Inc. Before entering financial services, he was employed at Blarney Stone Pub. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage account holders. The firm’s services are integrated with Empower’s recordkeeping and administrative platforms and focus on long-term portfolio returns, annual rebalancing, and clients’ savings rates.

General retirement planning Retirement income strategy Social Security optimization Debt management College savings (529s, UTMA, etc.)
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Elizabeth V

Series 66

Sidney, MT

Edward Jones

Elizabeth Verhasselt is a financial advisor at Edward Jones with a Series 66 credential and two years of industry experience. Her prior experience includes roles at Supporting Strategies and Kringen Construction. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management and a network of more than 23,000 financial advisors. The firm offers a range of advisory programs and affiliated investment products, operating under a fiduciary standard.

Wealth management Tax-loss harvesting Multi-generational wealth transfer Retired Founder/Business Owner Executive
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Gerald H

Series 63, Series 66

Sidney, MT

Edward Jones

Gerald Hughes is a financial advisor with Edward Jones in Sidney, Montana, holding Series 63 and Series 66 licenses and 31 years of industry experience. He has been with Edward Jones since 2002. Outside of his advisory role, he serves as a trustee for an inheritance trust, involved in managing land leasing decisions. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets through a nationwide network of over 23,000 advisors and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies and separately managed accounts.

Wealth management Tax-loss harvesting Multi-generational wealth transfer Retired Founder/Business Owner Executive
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Nicholas L

Series 63, Series 66

Sidney, MT

Edward Jones

Nicholas Lonski is a financial advisor with Edward Jones, holding Series 63 and Series 66 credentials and 25 years of industry experience. He has been with Edward Jones since 2000. Outside of advising, he serves as president of the Bishop of Myra Foundation, a personal foundation he co-manages with his wife, and is an assistant wrestling coach at Sidney High School. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with a range of advisory programs and affiliated investment products. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of over 23,700 financial advisors.

Wealth management Tax-loss harvesting Multi-generational wealth transfer Retired Founder/Business Owner Executive

Jamie M

Series 66

Sidney, MT

Edward Jones

Jamie Malsam is a financial advisor with Edward Jones in Sidney, MT, holding a Series 66 designation and seven years of industry experience. Prior to joining Edward Jones in 2018, he worked for six years at the Sidney Police Department. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions supported by a nationwide network of approximately 23,701 financial advisors and 15,121 branches.

General retirement planning Wealth management Retired Founder/Business Owner Executive

Lauren S

CFP®, Series 66

Sidney, MT

Edward Jones

Lauren Sukut is a CFP® professional with 11 years of industry experience, currently serving as a financial advisor at Edward Jones since 2014. She holds the Series 66 designation and is based in Sidney, MT. Outside of her advisory work, she serves as secretary for the Sidney Gymnastics Club, where she manages meeting minutes and coordinates gymnast competition registrations. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment strategies supported by a large nationwide network of financial advisors and branch offices.

Retirement income strategy General retirement planning Retirement plans for business owners (SEP, solo 401k) Business exit / sale strategy General estate planning guidance Retired Founder/Business Owner Executive
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