Elgin Lastrape is a financial advisor with Cetera holding a Series 66 designation and 16 years of industry experience. His prior roles include positions at Edward Jones and Next Financial Group, with ongoing involvement in his own firm, EJL Financial Group. Outside of advising, he serves as an elder at New Road Church of Christ and is an audit committee member for the Waco Foundation. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through a multi-manager platform, managing over $256 billion in assets.

Cary Rubman is a CFP® professional with 40 years of industry experience, currently affiliated with Cetera. His career includes extensive work as an independent insurance agent, serving clients in various capacities related to life, health, and long-term care insurance. He is also a partner and CFO of Innosure Insurance LLC, a property and casualty agency. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a range of portfolio management and financial planning services delivered through a multi-manager platform featuring both affiliated and third-party investment options.

Chester Waggoner is a financial advisor at Cetera with 25 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Cetera and affiliated firms since 2019, with prior roles at Fifth Third Securities and SunTrust Advisory Services. Outside of advising, he is involved in farming as a 50% owner, selling products locally, and serves as executor for multiple estates. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with over 10,000 advisors and approximately $256 billion in assets under management.

David Fattizzo is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 36 years of industry experience. His career includes extensive tenure at Foresters Financial from 1990 to 2019, followed by roles at Foresters Advisory Services and BNI before joining Cetera in 2019. He is a chapter member of Business Network International, where he participates in weekly meetings focused on business support and developing referral partnerships. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, ERISA retirement services, and access to third-party money managers.

Jacob Arroyo is a financial advisor with Cetera, holding a Series 66 designation and with 10 years of industry experience. He previously worked at Edward Jones and Wells Fargo Clearing. Outside of his advisory role, he serves as president of the Nevada Center for Entrepreneurship & Technology, a nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers through a multi-manager platform with a range of program options and custodial relationships.

Laura Buu is a financial professional with three years of industry experience, currently affiliated with Cetera. She holds a Series 66 designation and has worked with firms including Thrivent Financial and Lalonde Wealth Advisor Group. Outside of her advisory role, she is involved as a registered practice coordinator supporting securities and planning business activities at North Star Resource Group. Cetera Investment Advisers LLC is an SEC-registered firm serving a nationwide network of independent advisors and a diverse client base that includes individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and a range of program structures under discretionary and non-discretionary authorities.

Alan Hartstone is a financial advisor with Cetera in Boston, MA, holding the PFS™ credential and securities licenses Series 63 and Series 65. He has 30 years of industry experience, including long tenures at Avantax Insurance Agency LLC and Guardian Life Insurance. Outside of financial advising, he is a partner in Hartstone Entertainment, LLC, which holds a minority ownership interest in a Double "AA" professional baseball team. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, operating across multiple program structures with over $256 billion in assets under management.

Michael Cottier is a financial advisor with Cetera in Fort Wayne, IN, holding Series 63 and Series 66 designations and 14 years of industry experience. He has been associated with Cetera and its affiliates since 2014 and also maintains a role with Ferraro Behavior Services since 2012. Cetera Investment Advisers LLC is an SEC-registered adviser providing services through a large network of independent advisors. The firm serves a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering a range of portfolio management, financial planning, and consulting services.

Howard Ginsberg is a financial advisor with Cetera, holding a Series 63 designation and 28 years of industry experience. He has been with Cetera and Cetera Financial Specialists LLC since 2000 and operates Ginsberg Wealth Management LLC alongside his long-standing practice as a CPA since 1993. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Richard Bergstrom is a financial advisor at Cetera with 20 years of industry experience and holds the Series 66 designation. His prior roles include a 20-year tenure at Ameriprise Financial Services, LLC, along with experience at Commonwealth Financial Network and multiple investment-related entities he co-owns in Tallahassee, FL. He is involved in software leasing through Ice Berk Investments LLC, an outside business activity unrelated to his advisory duties. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a variety of portfolio management and financial planning services with a multi-manager platform that includes affiliated and third-party managers, serving more than 10,000 advisors and approximately 800,000 clients.

Matthew Bell is a financial advisor at Cetera with 10 years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including Innovative Strategies and Equity Services, Inc. Outside of his advisory role, Bell owns Bell Annuity Concierge, a consulting business focused on supporting fixed and indexed annuity sales. Cetera is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with diverse portfolio management and planning services, operating over $256 billion in assets with more than 10,000 advisors nationwide.

Warren Kovacek is a financial advisor at Cetera with a Series 66 designation and no prior industry experience. Before joining Cetera in 2026, he worked in various roles outside the financial sector, including positions at AAA Steel Supply Corp. and Target, as well as at Highland High School. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers, supporting a range of program structures and investment strategies.

Mason Little is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 35 years of industry experience. His prior work includes nine years with Wells Fargo Advisors and six years associated with CFS Financial and Cetera Advisors LLC. Cetera Investment Advisers LLC serves individuals across wealth levels, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management options and access to third-party money managers, supporting both discretionary and non-discretionary account structures.

Michael England is a financial advisor with Cetera based in Oklahoma City, OK, holding a Series 66 credential and eight years of industry experience. His prior experience includes roles at Avantax Advisory Services and Willis & Machnik Financial Services. He is also the owner of England Financial, a financial services entity. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform allowing for diverse investment strategies across various program structures.

Michael Winter is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 11 years of industry experience. He has been with Cetera and its affiliates since 2015, alongside concurrent roles at Regions Bank and MetLife. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform, supporting discretionary and non-discretionary investment authorities across multiple program structures.

Troy Arceneaux is a financial advisor at Cetera with 26 years of industry experience. He has worked at Cetera and Cetera Wealth Services since 2025 and previously spent 26 years with Concourse Financial Group Securities Inc. Arceneaux also operates Arceneaux Financial Services LLC, an investment-related business he has owned since 2005. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers portfolio management, financial planning, retirement services, and access to third-party money managers, operating a multi-manager platform that supports a range of discretionary and non-discretionary program structures.

Charles Schlapp is a CFP®-designated financial advisor with 39 years of industry experience, currently serving with Cetera. His career includes roles at North Ridge Securities Corp., National Life of Vermont, and Superior Financial Management. Outside of his advisory work, he is treasurer of the Kiwanis Club of Northport - E. Northport, Inc., a charitable organization. Cetera Investment Advisers LLC supports a broad client base including individuals, retirement plans, and institutional accounts through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers.

Terrie Amundson is a Certified Financial Planner (CFP®) with 30 years of industry experience, currently affiliated with Cetera. She has worked with multiple firms including LPL Financial and Royal Credit Union. In addition to her advisory work, she provides tax return assistance to elderly taxpayers through an IRS-funded volunteer program. Cetera Investment Advisers LLC is an SEC-registered firm that serves a wide range of clients including individuals, retirement plans, corporations, and charitable organizations. The firm offers portfolio management, financial planning, and retirement services through a multi-manager platform with access to affiliated and third-party managers, overseeing more than $256 billion in assets.

Joshua Caro is a financial advisor with Cetera, holding a Series 66 designation and one year of industry experience. His prior roles include positions at LPL Financial LLC, Lighthouse Financial Planners & Advisors, Steelhead Finance, and Watco Industries. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers through a multi-manager platform with various program options and custodial relationships.

James Parker Jr. is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Cetera and its affiliates since 2013. Outside of advising, he is involved in sales of group disability and critical care insurance. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base, including individuals, retirement plans, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform that includes affiliated and third-party managers.