Dennis De Young is a CFP® with 38 years of industry experience, currently serving as a financial advisor at Cetera since 2026. His prior roles include positions at LPL Financial, Western International Securities, and Financial West Group. He is also involved as a board member of the Robert P. Amman Memorial Campership Fund. 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 portfolio management, financial planning, and access to a multi-manager platform with a range of discretionary and non-discretionary programs.

Rachel Heege Abode is a financial advisor at Cetera with 22 years of industry experience. She holds Series 65 and Series 66 licenses and has previously worked at B. Riley Wealth Advisors, National Securities Corporation, and Gilman & Ciocia. Outside of her advisory role, she is also licensed as an insurance agent specializing in life, disability, annuities, and long-term care products. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers portfolio management, financial planning, and retirement services through a multi-manager platform that includes affiliated and third-party managers, supporting various program structures and custodial arrangements.

Lois Gregory is a financial advisor with Cetera based in Akron, OH, holding a Series 66 designation and bringing 16 years of industry experience. She has previously worked at Morgan Stanley and JPMorgan Securities among other firms. Gregory serves as an unpaid board member of Trinity-Love Inc, a nonprofit focused on assisting impoverished communities in developing countries. Cetera Investment Advisers LLC is an SEC-registered advisor supporting a large nationwide network of independent advisors. The firm serves individuals, retirement plans, corporate, charitable, and institutional clients through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers.

Puneet Chawla is a financial advisor at Cetera with 14 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at several firms, including Summit Brokerage Services, Girard Securities, and First Allied Securities. In addition to his advisory role, he works as a process developer in operations for Genpact. Cetera Investment Advisers LLC is an SEC-registered firm serving 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 and operates a multi-manager platform with access to affiliated and third-party managers, serving over 800,000 clients nationwide.

Michael Johns is a financial advisor at Cetera with 17 years of industry experience. He holds the Series 66 designation and has worked at Cetera and its affiliated entities since 2013, following earlier roles at BB&T Investment Services and LPL Financial. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and consulting services through a nationwide network of independent advisors, with access to multiple program structures and third-party money managers.

Barry Queen II is a financial advisor with Cetera in Pasadena, CA, holding Series 63 and Series 66 licenses and over 14 years of industry experience. He has worked at firms including New York Life Insurance Company and Eagle Strategies, and currently owns Precision Planning Financial Group, LLC. Outside of his advisory role, he is involved in public speaking and writing on non-investment topics and is the author and founder of "Your Money, Your Story," a book and educational content platform. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a variety of investment strategies and third-party managers.

Gregory Sinno is a financial advisor with Cetera, holding a Series 63 designation and possessing 29 years of industry experience. He has worked at Cetera and its affiliated entities since 2019, following a 23-year tenure at Foresters Financial. Outside of his advisory role, he serves as a trustee for Parents Trust. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a large network of independent advisors, serving individual clients, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial consulting services through a multi-manager platform with discretionary and non-discretionary options.

Lloyd Strode is a CFP®-certified financial advisor with 13 years of industry experience. He is currently affiliated with Cetera and has held positions at several entities including Strode Private Wealth, Strode Financial LLC, and North Star Consultants, Inc. Outside of financial services, he serves as Chairperson for the allied members of the Arizona Veterinary Medicine Association and is a part-owner of a golf course. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and consulting services and provides access to both affiliated and unaffiliated third-party managers across multiple program structures.

Francis Sloan III is a financial advisor at Cetera with 28 years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including Mass Mutual, MetLife Securities, and Virginia Asset Management. Sloan serves on several advisory boards in Chesterfield County, Virginia, and is involved with nonprofit organizations such as the Virginia Association of Community Services Boards and Friends of Jim Ingle. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management options, including access to affiliated and third-party managers, discretionary and non-discretionary services, and diverse program structures.

Angela Wallace is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and possessing seven years of industry experience. She also works as a financial representative with Hess Financial Planning Inc., where she provides financial and tax planning services. Wallace has a background that includes roles at Avantax Investment Services and Founders Federal Credit Union. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers diverse investment programs and portfolio management options through a large network of independent advisors.

Marissa Agustin is a financial advisor with Cetera Wealth Services LLC in Minneapolis, MN, holding a Series 66 designation and three years of industry experience. She has previously worked at Minnesota Life Insurance Co and Securian Financial Services Inc. Outside of her advisory role, she serves as a stage manager for a high school show choir and manages events in a high school auditorium. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, retirement services, and access to third-party managers, operating a multi-manager platform across diverse program structures.

Dawn Dempsey Smerke is a financial advisor with Cetera who holds a Series 63 designation and has 38 years of industry experience. She has owned and operated Dempsey Financial Services LLC since 1996, providing investment and retirement strategies for individuals, businesses, and nonprofits. Dawn is also involved in selling fixed insurance products, including health, life, disability, annuities, and long-term care insurance. Cetera Investment Advisers LLC is an SEC-registered firm 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 and financial planning services through a multi-manager platform with access to affiliated and third-party investment managers.

Mark Willis is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 27 years of industry experience. He has worked at Cetera and its affiliates since 2021 and previously spent six years with Voya Financial Advisors. Willis is the owner of The Retirement Paycheck Company, LLC, and serves as chairman of the finance committee on the board of Cristo Rey Brooklyn High School. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a large network of independent advisors serving 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, working across various program structures and custodial relationships.

Andrew Wilbert is a financial professional with one year of industry experience, currently affiliated with Cetera. He holds the Series 66 designation and has prior experience at South Hills Financial Group, where he is involved in administrative, customer service, and marketing responsibilities. He also serves as an insurance agent for Fixed Insurance. Cetera Investment Advisers LLC is an SEC-registered adviser operating a multi-manager platform that serves individual, corporate, and institutional clients through a nationwide network of independent advisors, offering a range of portfolio management and financial planning services.

Earl Cochell Jr. is a financial advisor at Cetera with 18 years of industry experience. He holds the ChFC® and Series 66 designations and has worked at firms including VOYA Financial Advisors and Cetera Wealth Services. Cochell is also president of EMC Wealth Management and operates an independent insurance agency specializing in fixed insurance products. Cetera Investment Advisers LLC serves a broad client base including individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to a range of third-party money managers across multiple program structures.

Kristin Pinyan is a CFP® with 26 years of industry experience. She is affiliated with Cetera and has been associated with Cetera Advisors LLC since 2013. In addition to her advisory role, she owns and operates Financial Assets, Inc., a financial services business, and is involved in landscape design. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, utilizing a range of program structures and manager options.

Naimesh Shah is a financial advisor with Cetera in Schaumburg, IL, holding a Series 66 credential and five years of industry experience. Prior to joining Cetera, he worked with Avantax Advisory Services and Avantax Insurance Agency. Outside of his advisory role, Shah is involved in information technology consulting and tax preparation through his ownership and employment in related businesses. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporations, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors, utilizing model portfolios and third-party managers within various program structures.

Erin Hinzmann is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and bringing 24 years of industry experience. She has worked with firms including Ameriprise Financial Services and Avantax Advisory Services. Outside of her advisory role, Erin serves as an At Large Board Member and co-chairs the Paint the Town event for Highland Lakes Creative Arts, which promotes art education and tourism in the Lake LBJ and Highland Lakes area of Texas. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Phillip Richards is a financial advisor at Cetera with over 56 years of industry experience. He holds a Series 63 license and has previously worked at Securian Financial Services, Inc. and C.R.I. Securities, Inc. Richards is also an author of multiple books and serves on several nonprofit boards, including the Mayo Clinic of Arizona Leadership Council and the Temple University Board of Trustees. Cetera Investment Advisers LLC is a national multi-manager platform serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services, allowing advisors to implement various model portfolios and customized strategies.

Kevin Mcgregor is a financial advisor at Cetera with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has a background that includes roles at Avantax Investment Services and Avantax Insurance Agency. In addition to his advisory work, he operates tax preparation and accounting businesses and serves as a fiduciary managing finances and long-term care matters for clients. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services and features a multi-manager platform with access to both affiliated and third-party investment strategies.