Jon Johiro is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 33 years of industry experience. His prior firms include First Allied Advisory Services and First Allied Securities, where he worked for a combined 28 years. Outside of his advisory role, he is an owner and general manager of Kiferline, LLC, a commercial real estate business. Cetera Investment Advisers LLC is an SEC-registered advisor serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a large network of independent advisors and employs a multi-manager platform with options ranging from model portfolios to bespoke strategies.

Khanh Lowery 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 2004 and also owns and operates Lowery, Weldon & Company, CPAs, PA, a CPA firm he has been involved with since 1984. In addition to his advisory role, he is active in promoting HSA health plans and serves as an Ameritas insurance agent. Cetera Investment Advisers LLC is an SEC-registered firm that offers a range of investment advisory services to individual, corporate, charitable, and institutional clients nationwide. The firm provides access to multiple portfolio management options and third-party money managers, operating a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Mitchel Pertuit is a financial advisor with Cetera Wealth Services, LLC and holds a Series 66 license. He has 11 years of industry experience and has previously worked with Avantax Investment Services and 1st Global Advisors. Outside of his advisory work, he serves as Director of Operations for Oscity Labs, an agriculture and greenhouse company. Cetera Investment Advisers LLC provides advisory services through a large network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services using a multi-manager platform with access to both affiliated and third-party investment managers.

Qingyi Mark Liang is a financial advisor with Cetera, holding a Series 66 credential and 16 years of industry experience. He has been with Cetera and its affiliated entities since 2015 and is based in Plano, TX. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management services and operates as a multi-manager platform, allowing advisors to use affiliated or third-party managers or develop custom strategies across various program structures and custodial relationships.

Wesley Johnson Jr. is a financial advisor with Cetera who holds Series 63 and Series 65 designations and has 31 years of industry experience. He has worked with Foresters Financial Services for 24 years and Foresters Advisory Services for 3 years before joining Cetera in 2019. Johnson also serves on the board of directors for Connex Credit Union. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform with access to affiliated and third-party managers.

James King Jr. is a financial advisor at Cetera with 34 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Commonwealth Financial Network for 10 years. He is the director of wealth management at King Financial Network, a marketing DBA through which he provides investment management and financial planning services. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser serving individual, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and retirement services and supports both discretionary and non-discretionary account structures.

Matthew Gold is a financial advisor with Cetera in Gainesville, FL, holding a Series 66 designation and 13 years of industry experience. He has worked at several firms, including multiple roles within Cetera and Summit Financial Group. Outside of his advisory duties, he serves as treasurer for a Florida political committee and participates in arts and home improvement ventures, including managing social media for a home improvement business and supporting a crafts business. Cetera Investment Advisers LLC serves a broad client base, including individuals, retirement plans, and institutional accounts, offering a multi-manager platform with a variety of portfolio management and consulting services.

Jennifer Milligan is a CFP® with 28 years of industry experience, currently affiliated with Cetera. She has held multiple roles in tax advisory and accounting services, including ownership positions in several related entities. Additionally, Milligan is the sole owner of Revitalize Coaching, where she provides career and life coaching services. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management options and access to third-party money managers.

Patrick Denman is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 14 years of industry experience. He has worked at Avantax Advisory Services and other affiliated firms before joining Cetera in 2025. Outside of his advisory work, he owns an accounting and tax preparation business and serves on the board of the National Wrestling Coaches Association. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services with multiple program options, including model portfolios, third-party managers, and bespoke strategies.

John Showalter is a financial advisor with Cetera, holding the ChFC® designation and Series 63 and 65 licenses. He has 28 years of industry experience, including over two decades at Concourse Financial Group Securities Inc. Outside of his advisory role, he is involved in real estate business activities through ownership and management of rental properties. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services supported by a multi-manager platform and a large nationwide network of independent advisors.

Daniel Seefeldt is a financial advisor with Cetera in Wausau, WI, holding Series 63 and Series 65 credentials and with five years of industry experience. He has worked with Cetera and its affiliates since 2021 and operates his own expense management business, Seefeldt Financial Services, LLC. Prior to his financial advisory career, he was employed at Foot Locker for five years. Seefeldt also sells fixed insurance products including life, health, disability, annuities, and long-term care coverage. Cetera Investment Advisers LLC serves a broad range of clients including individuals, employer-sponsored retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers various portfolio management and retirement services through a multi-manager platform with access to affiliated and unaffiliated third-party managers, supporting discretionary and non-discretionary strategies across multiple program structures.

Sandra Patrick is a CFP® with 41 years of industry experience currently affiliated with Cetera. She has held various positions within Cetera and its predecessors since 1999. Outside of financial advising, she coaches high school debate and teaches life enrichment classes at Laramie County College. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party investment options.

Kristin Strom is a financial advisor at Cetera with 16 years of industry experience. She holds Series 63 and Series 66 credentials and has previously worked with firms including Allianz Life, Questar Capital Corporation, and Securian Financial Services. Outside of her advisory role, she owns Jarne’s Financial and serves as a trustee. Cetera Investment Advisers LLC distributes services through a large network of independent advisors, serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and consulting services, with access to multiple program structures and third-party money managers.

John Mayer is a financial advisor at Cetera with 20 years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including LPL Financial and Waterstone Financial Group. In addition to his advisory role, Mayer is a partner at two CPA firms, Gibson & Mayer, PC, and Gibson/Mayer, LLC, where he provides financial statement preparation, tax return preparation, and business consulting services. 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 multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Robert Joseph is a financial advisor at Cetera with 39 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Cetera since 2017, following roles at Los Alamos National Bank and LPL Financial. He also operates Enchantment Wealth Management as a DBA for Cetera. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a large nationwide network of independent advisors. The firm offers a multi-manager platform with a range of discretionary and non-discretionary portfolio management services and access to both affiliated and unaffiliated third-party managers.

Hunter Millsaps is a financial professional at Cetera with Series 65 and Series 63 credentials and four years of industry experience. His prior experience includes roles at 49 Financial and Purshe Kaplan Sterling Investments. Outside of his advisory work, Millsaps is a member and owner of Premier Pickleball of Knoxville, a local pickleball club. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services delivered through a nationwide network of over 10,000 independent advisors.

Robert Cosentino is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 28 years of industry experience. His career includes long-term roles at First Allied Securities and First Allied Advisory Services before joining Cetera. He also serves as a trustee for COSENTINO IRRV. LIFE INS. TRUST. Cetera Investment Advisers LLC is an SEC-registered adviser that supports over 10,000 advisors nationwide, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers various portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary strategies.

Matthew Costanzo is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. He has worked with Cetera Advisors LLC since 2013 and also operates Costanzo Financial Group as COO and advisory representative. Additionally, he provides consulting services on mergers and acquisitions, leadership, and process improvement, and volunteers with Volunteers of America. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform including discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers.

Luke Ocker is a CFP® professional with four years of industry experience, currently serving as an advisor at Cetera. He has previously worked with Avantax Insurance Services and Avantax Advisory Services, and operates Ocker Financial Services LLC. Outside of his advisory roles, he has experience in business operations and client advising through his own financial services firm. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and consulting services through a nationwide network of independent advisors and employs a multi-manager platform with both discretionary and non-discretionary account options.

Cynthia Galloway is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and having 22 years of industry experience. Her career includes long-term roles at The Dime Bank and CETERA Advisor Networks LLC, with recent experience at LPL Financial and Wayne Bank. Cetera Investment Advisers LLC distributes its services through a nationwide network of independent advisors, serving individual, corporate, charitable, and institutional clients with a range of portfolio management and consulting services. The firm offers multiple investment program options and operates as a multi-manager platform with over $256 billion in assets under management.