Michael Lucarello is a financial advisor at Cetera with a Series 66 designation and two years of industry experience. He is the owner of two tax preparation businesses and manages a beekeeping operation that sells honey. Additionally, he holds an executive producer role in a film investment enterprise. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers diversified portfolio management and financial planning services through a multi-manager platform that supports both discretionary and non-discretionary strategies.

Frank Arnold Sr. is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and bringing 50 years of industry experience. His prior work includes roles at Securities America, Concourse Financial Group Securities, and Proequities. Outside of advising, he is a member of the Newton County NAACP and serves as a mentor for the Newton Mentoring Program. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through multiple program structures and a diverse selection of affiliated and third-party investment managers.

Kanani Miyahira is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and 28 years of industry experience. She has worked at Cetera since 2017 and previously at LPL Financial from 2011 to 2017, as well as American Savings Investments since 1996. Cetera Investment Advisers LLC is an SEC-registered firm that provides a range of portfolio management and retirement services through a large network of independent advisors. The firm serves individual and institutional clients and offers multiple program structures, including model portfolios and bespoke strategies.

Michael Catarina is a financial advisor at Cetera with one year of industry experience. He holds the CFA® designation along with Series 66 and Series 63 licenses. Prior to joining Cetera, he worked at Parametric and Schwab Asset Management. Catarina is also involved with Pioneer Financial Group as a financial professional and sells fixed insurance products. Cetera Investment Advisers LLC supports a large network of independent advisors serving individual, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and retirement services delivered through a multi-manager platform with various program structures and custodial relationships.

Nicholas Morey IV is a financial advisor with Cetera, holding a Series 66 credential and nine years of industry experience. He previously worked at Securian Financial Services Inc and Minnesota Life Insurance Company. Outside of his financial career, Morey is the owner of Nick's Fitness, where he provides personal training and nutritional advice. He also serves on the board of Liberty Jump Team, Inc., and is involved with the St. Mary’s University Alumni Association and community outreach through the Oak Hills New Member Committee. Cetera Investment Advisers LLC serves a broad 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, employing both discretionary and non-discretionary strategies.

Susan Balsam is a financial advisor with Cetera in Austin, TX, holding a Series 66 designation and one year of industry experience. Her prior roles include positions at Robnett CPAs and the Austin Independent School District, as well as self-employment. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and serves over 800,000 clients with more than $256 billion in assets under management.

Brita Houtz is a financial advisor with Cetera, holding a Series 66 credential and six years of industry experience. She has worked at Cetera and its affiliate Cetera Investment Services LLC since 2020 and has been employed by Regions Bank since 2005. Outside of her advisory role, she operates a hobby farm under the business name Life Farm. Cetera Investment Advisers LLC is an SEC-registered firm serving individual clients, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a range of portfolio management and consulting services through a large network of independent advisors and provides access to both affiliated and unaffiliated third-party managers across various program structures.

Emily Wright is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 10 years of industry experience. She has worked at Cetera Investment Services LLC since 2016 and has been associated with North Shore Bank since 2011. Cetera Investment Advisers LLC is an SEC-registered firm that provides portfolio management, financial planning, and retirement services through a large nationwide network of independent advisors. The firm serves a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts.

John Culhane is a financial advisor at Cetera with 29 years of industry experience and holds the PFS™ designation along with Series 63 and Series 65 licenses. His work history includes roles at Avantax Advisory Services and Cincinnati Insurance Co, and he has operated his own CPA practice since 1994. Outside of advising, he is involved in tax preparation and serves as an insurance sales agent. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with access to both affiliated and third-party investment strategies.

Marie Canterbury is a financial advisor at Cetera with 33 years of industry experience. She holds the Series 63 and Series 66 licenses and has previously worked at firms including T. Rowe Price Investment Services, MassMutual, Wells Fargo Clearing, and Ameriprise. Outside of her advisory role, she serves as a board member for the Cedar Mill Homeowners Association. Cetera Investment Advisers LLC is a multi-manager platform serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a wide range of investment and retirement services through a network of over 10,000 advisors and manages more than $256 billion in assets.

Ting Wang is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and 20 years of industry experience. Wang has worked at East West Bank since 2022 and has held roles at multiple HSBC entities from 2015 onward. Cetera Investment Advisers LLC is an SEC-registered advisor that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with various program structures and custodial relationships.

Hector Mena is a financial advisor at Cetera with 19 years of industry experience. He holds the Series 66 designation and has previously worked at Wells Fargo Clearing and Guardian River Wealth. In addition to his advisory role, he assists families with college planning to help reduce education costs. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser serving individuals, employer-sponsored 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 access to affiliated and third-party managers, supporting both discretionary and non-discretionary program structures.

Mark Jubas is a financial advisor at Cetera with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cetera and its affiliated entities since 2017. In addition to his advisory role, he is a licensed CPA who has been providing tax preparation services for corporate, partnership, and personal income tax returns since 1996. He also serves as a Principal Financial Analyst at DTE Energy, a position he has held since 1997. Cetera Investment Advisers LLC operates a nationwide network of independent advisors serving individual, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary program options.

Thomas Brucia is a CFP®-designated financial advisor with 40 years of industry experience, currently affiliated with Cetera. His career includes roles at Cetera Wealth Services, Long Island Branch LLC (doing business as Affiliated Wealth Advisors), and other related entities. Outside of financial services, he serves as the musical director of a women's chorus within the Sweet Adelines International organization. Cetera Investment Advisers LLC is an SEC-registered adviser offering a multi-manager platform to independent advisors nationwide. The firm serves a broad client base, including individuals, retirement plans, corporate, charitable, and institutional clients, providing various portfolio management and financial planning services through discretionary and non-discretionary program structures.

Sean Kramer is a financial advisor at Cetera with 10 years of industry experience. He holds a Series 66 designation and has previously worked at Avantax Advisory Services and EDI Financial. Outside of his advisor role, he is an instructor leading Pilates classes through TDM Fitness LLC. He is part of Cetera Investment Advisers LLC, an SEC-registered firm that serves a broad client base including 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 access to various program structures and custodial relationships.

Jacob Schaefer is a financial advisor with Cetera, holding a Series 66 designation and 10 years of industry experience. He has worked at several firms including PNC Investments and Citizens Securities. He is also involved with Commonwealth Capital Management, LLC as an advisor. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts, offering a range of portfolio management and financial planning services through a large network of independent advisors.

Amy Rodgers is a financial advisor with Cetera, holding Series 63, 65, and 66 licenses and bringing 30 years of industry experience. She has worked at Cetera and its affiliates since 2018, including roles at CUNA Brokerage Services and Abound Credit Union. Outside of her advisory work, she is co-owner of a laser engraving business operating under ACR Enterprises, CampfireShop.com, and HSHCreates.com. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to diverse investment strategies.

Richard Steele is a CFP® and PFS™ with 26 years of industry experience. He is currently affiliated with Cetera and has held various roles at related firms, including Avantax and Steele Financial Services, which he owns and where he provides tax preparation, tax planning, and financial planning services. Outside of his advisory work, he is involved with the Bellingham Unitarian Fellowship as Stewardship Chair and participates in the Ruvara Marimba Ensemble. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers diverse portfolio management and financial planning services through a multi-manager platform that includes both affiliated and third-party managers, supporting various investment strategies and program structures.

Shawn Murphy is a financial advisor at Cetera with 19 years of industry experience. He holds a Series 66 designation and has worked at firms including Avantax Investment Services and 1st Global Capital Corp. In addition to his advisory work, Murphy serves as Director and President of a condominium association in Rocky Hill, CT. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a nationwide network of independent advisors, serving individual, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and retirement services through multiple program structures and manager options.

Mildred Patubo is a financial advisor with Cetera in San Jose, CA, holding Series 66 and Series 63 licenses and bringing 28 years of industry experience. Her prior positions include roles at Citigroup and multiple firms affiliated with Cetera. She has also been involved with the Asian Community Mental Health Board and MIAAH (Multicultural Integrated and Accessible Healthcare). Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform and supports various program structures and custodial relationships.