Michael Gasperi is a financial advisor at Cetera Planning Partners with 29 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Avantax Investment Services, ProEquities, Inc., and Honkamp Krueger Financial Services Inc., where he also serves as a wholesaler to CPA representatives. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees by providing investment management, financial planning, Social Security optimization, and retirement advice. The firm offers additional services such as tax planning, bookkeeping, payroll support, and estate planning through a third-party provider, utilizing a diversified investment approach tailored to clients’ objectives and risk tolerances.

Marcia Lewis is a financial advisor with Cetera Planning Partners in Louisville, KY, holding a Series 66 designation and 25 years of industry experience. She has worked at Avantax Planning Partners, CSSC Brokerage Services, and CSSC Investment Advisory Services prior to joining her current firm. Lewis also serves as Director Emeritus at Blue & Co., a regional CPA firm, where she provides tax, consulting, and business valuation services. Additionally, she is a member-owner and advisor at Green Street Capital, LLC, offering wealth management services to diverse clients. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees by providing investment management, comprehensive financial planning, and retirement-related advice. The firm utilizes a diversified allocation investment process based on mutual funds and ETFs, complemented by tax planning, bookkeeping, payroll support, and estate-planning services through third-party providers.

Deidre Budahl is a financial advisor at Cetera Planning Partners with 10 years of industry experience. She holds a Series 65 credential and has worked with Casey Peterson & Associates, LTD for over 20 years. Budahl is also a partner and accountant at a regional CPA firm, serves as a board member for Monument Health - Rapid City Hospital, and is the board chair for the South Dakota Board of Accountancy. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees by providing investment management, financial planning, Social Security optimization, and retirement-related advice. The firm integrates comprehensive offerings such as tax planning, bookkeeping, and estate planning services within a larger Cetera network.

Nathan Hand is a financial advisor with Cetera Planning Partners in Huntsville, AL, holding a Series 65 license and bringing seven years of industry experience. He has worked at HK Financial Services since 2019 and is also a partner and accountant at Anglin Reichmann Armstrong, P.C., a regional CPA firm where he has worked since 2005. Outside of his advisory role, Nathan owns a cryptocurrency mining business called Deep South Miners, LLC. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees by providing investment management, comprehensive financial planning, Social Security optimization, and retirement-related advice. The firm offers additional services such as tax planning, bookkeeping, payroll support, and estate-planning through a third-party provider, and it integrates resources from the larger Cetera network to deliver a broad range of financial solutions.

Alan Kutsch is a financial advisor at Cetera Planning Partners with 12 years of industry experience. He has held various roles within Cetera and Avantax firms since 2021 and previously worked at HK Financial Services from 2012 to 2021. He holds Series 63 and Series 65 licenses. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees by providing investment management, comprehensive financial planning, Social Security optimization, and retirement-related advice. The firm offers additional services such as tax planning, bookkeeping, payroll support, and estate planning through a third-party provider, with an investment approach centered on diversified mutual fund and ETF allocations tailored to client objectives and risk tolerance.

Kathleen Kovar is a financial advisor at Cetera Planning Partners with 23 years of industry experience. She holds the PFS™ and Series 66 credentials and has an extensive background including roles at Avantax and 1st Global Advisors. Outside of her advisory work, she owns a small hobby vineyard where she produces wine for family and friends and occasionally sells excess grapes. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees by providing investment management, comprehensive financial planning, and specialized services such as Social Security optimization and tax planning. The firm’s investment approach emphasizes diversified allocations aligned with client objectives and risk tolerance, supported by integration into the larger Cetera network and a range of affiliated resources.

Brandon Porter is a financial advisor at Cetera Planning Partners with six years of industry experience. He holds a Series 66 designation and has previously worked at Avantax Investment Services and related firms. In addition to his advisory role, he is an income partner at a CPA firm, Darnall, Sikes and Frederick, where he is involved in tax preparation, accounting, and business consulting. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees by providing investment management, comprehensive financial planning, and retirement-related advice. The firm emphasizes diversified portfolios aligned with client objectives and offers ancillary services such as tax planning, bookkeeping, and estate planning through third-party providers.

Kyle Wininger is a financial advisor with Cetera Planning Partners in Evansville, IN, holding the PFS™ designation and two years of industry experience. He has worked at Avantax Insurance Agency, Avantax Planning Partners, and Harding Shymanski & Company, where he serves as Vice President. Wininger is active in the community as a board member of the Boys & Girls Club of Evansville, the Tri-State Food Bank, and Cops Connecting with Kids. Cetera Planning Partners serves individual and high-net-worth clients, with a focus on pre-retirees and retirees, offering investment management, financial planning, Social Security optimization, and retirement advice. The firm integrates tax planning, bookkeeping, payroll support, and estate-planning services, using a diversified investment approach tailored to clients’ objectives and risk tolerance.

Troy Hedman is a financial advisor with Cetera Planning Partners in Estero, FL, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. Prior to joining Cetera in 2021, he worked for Visionary Wealth Advisors from 2016 to 2021. Outside of his advisory role, he is a member and business operations consultant at Aspen Digital, LLC. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees by providing investment management, comprehensive financial planning, Social Security optimization, and retirement-related advice. The firm emphasizes diversified allocations through mutual funds and ETFs and offers additional services such as tax planning, bookkeeping, payroll support, and estate-planning solutions.

Charlotte Teruya Westcott is a financial advisor with Cetera Planning Partners, holding Series 65 and Series 63 licenses and bringing 12 years of industry experience. She previously worked for Lee Financial Group Hawaii, Inc., Lee Financial Recordkeeping, Inc., and Lee Financial Securities, Inc., and operated Charlotte Teruya CPA for six years. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees. The firm offers investment management, comprehensive financial planning, and specialized services such as tax planning, bookkeeping, and estate-planning through a third-party provider, with an investment process centered on diversified mutual fund and ETF allocations aligned with client objectives and risk tolerance.

Lauren Hebert is a financial advisor with Cetera Planning Partners, holding the PFS™ designation and Series 66 license, with 20 years of industry experience. She has a background that includes long-term roles with Avantax Advisory Services and Darnall, Sikes & Frederick CPAs, where she is a shareholder. Outside of advising, Hebert serves on the Accounting Advisory Board at Nicholls State University and operates a small eBay business selling doll accessories, as well as managing a boutique focused on craft products. Cetera Planning Partners serves individual and high-net-worth clients, particularly pre-retirees and retirees, offering investment management, comprehensive financial planning, and retirement-related advice. The firm’s investment process emphasizes diversified portfolios aligned with client objectives and risk tolerance, supported by ancillary services including tax planning, bookkeeping, and estate planning through third-party providers.

Kayla Droege is a financial advisor at Cetera Planning Partners with four years of industry experience. She holds a Series 66 designation and previously worked at Edward Jones for four years. Her background also includes roles at Skywest Airlines and Cultural Exchange Network. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees. The firm provides investment management, comprehensive financial planning, and retirement-related advice, alongside tax planning, bookkeeping, and estate-planning services through a third-party provider.

Nicholas Kruse is a CFP® professional with eight years of industry experience, currently affiliated with Cetera Planning Partners in Dubuque, IA. His work history includes roles at Avantax and ProEquities, and he has held a registered representative position at Honkamp Krueger Financial Services. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees by providing investment management, comprehensive financial planning, Social Security optimization, and retirement advice. The firm offers additional services such as tax planning, bookkeeping, payroll support, and estate planning through a third-party provider, with an investment approach centered on diversified allocations aligned with clients' objectives and risk tolerance.

Heidi Radder is a financial advisor with Cetera Planning Partners in El Segundo, CA, holding Series 63 and Series 66 licenses and 20 years of industry experience. She has worked at various firms including Avantax Advisory Services and Gene Bell & Associates. Outside her advisory role, she operates a small business providing bookkeeping services through TRUE KNACK, LLC. Cetera Planning Partners serves individual and high-net-worth clients, particularly pre-retirees and retirees, offering investment management, comprehensive financial planning, and ancillary services such as tax planning, bookkeeping, payroll support, and estate planning. The firm’s investment approach emphasizes diversified allocations aligned with client objectives and risk tolerance, supported by integration within the broader Cetera network.

Brandon Stegall is a CFP® professional with 22 years of industry experience. He has worked at Cetera Planning Partners since 2020 and previously spent six years at TD Ameritrade. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees by providing investment management, comprehensive financial planning, Social Security optimization, and retirement-related advice. The firm offers additional services such as tax planning, bookkeeping, payroll support, and estate-planning solutions, utilizing a diversified investment approach aligned with clients’ objectives and risk tolerance.

Mary Dixon is a CFP® professional with 39 years of industry experience, currently serving at Cetera Planning Partners. Her career includes extensive roles at Avantax Advisory Services and affiliated firms dating back to 1987. In addition to her advisory work, she is treasurer of the Association of Business & Professional Women, supporting local women business owners. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees by providing investment management, comprehensive financial planning, Social Security optimization, and retirement advice. The firm integrates tax planning, bookkeeping, and estate-planning services with a diversified investment process aligned to clients’ objectives and risk tolerance.

Brian Dightman is a financial advisor at Cetera Planning Partners with 24 years of industry experience. He holds a Series 66 credential and previously worked at Dightman Capital Group, Inc. for 17 years before joining Cetera Planning Partners in 2024. Cetera Planning Partners serves individual and high-net-worth clients, particularly pre-retirees and retirees, offering investment management, comprehensive financial planning, Social Security optimization, and retirement-related advice. The firm’s investment process focuses on diversified allocations using mutual funds and ETFs tailored to clients’ objectives and risk tolerance, supported by additional services such as tax planning, bookkeeping, payroll, and estate planning through a third-party provider.

Jon Gagliardi is a PFS™ credentialed financial advisor with two years of industry experience, currently with Cetera Planning Partners. He has a background that includes roles at Avantax and 1st Global Advisors, and he serves as Chief Executive Officer of MSPC Certified Public Accountants and Advisors, which provides tax planning, financial attest services, and investment planning. Cetera Planning Partners serves individual and high-net-worth clients, with a focus on pre-retirees and retirees, offering investment management and comprehensive financial planning, including tax and estate planning services. The firm employs a document-driven process centered on diversified mutual fund and ETF allocations aligned with client objectives and risk tolerance.

Joseph Mcculloch Jr. is a CFP® with 18 years of industry experience, currently serving as a financial advisor at Cetera Planning Partners since 2019. Prior to joining Cetera Planning Partners, he worked at Bank of America and Merrill from 2014 to 2019. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees by providing investment management, comprehensive financial planning, Social Security optimization, and retirement-related advice. The firm’s investment approach includes diversified allocations of mutual funds and ETFs tailored to clients’ objectives and risk tolerance, supported by additional services such as tax planning, bookkeeping, payroll support, and estate planning through third-party providers.

Alexis Barling is a Series 65 licensed advisor with 11 years of industry experience. She has worked at Cetera Planning Partners since 2019 and previously held roles at Creative Planning and Umb. Outside of financial advising, she serves as Vice President and handles bookkeeping for Brian Barling Painting Inc., an interior decorative painting company. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees with services including investment management, financial planning, Social Security optimization, and retirement advice. The firm offers ancillary services such as tax planning, bookkeeping, payroll support, and estate planning through a third-party provider, employing a document-driven planning process with diversified portfolios aligned to client objectives and risk tolerance.