John Lapilusa is a financial advisor at Cetera Planning Partners with 27 years of industry experience and holds the Series 66 designation. His prior experience includes roles at Avantax Investment Services, 1st Global Advisors, and O’Connor, Davies LLP. He serves as secretary and trustee for Peace Care Inc., a nonprofit organization overseeing nursing homes. 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, and estate planning through a third-party provider, employing a diversified investment approach aligned with clients' objectives and risk tolerance.

Kelly Edmonds is a Series 65-licensed financial advisor with 14 years of industry experience. She is currently with Cetera Planning Partners and has previously worked at Honkamp Krueger Financial Services. Edmonds is based in Dubuque, IA. Cetera Planning Partners serves individual and high-net-worth clients, focusing particularly on pre-retirees and retirees. The firm provides investment management, comprehensive financial planning, Social Security optimization, and retirement advice, alongside additional services such as tax planning, bookkeeping, payroll support, and estate planning through a third-party provider. Its investment approach emphasizes diversified allocations aligned with client objectives and risk tolerance, supported by a formal planning process and coordinated use of affiliated broker-dealer and custodial resources.

Lance Rambousek is a financial advisor at Cetera Planning Partners with one year of industry experience. He holds the PFS™ designation and has worked previously at Avantax Planning Partners and Brady, Martz & Associates, P.C. for 16 years. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees, and offers comprehensive financial planning, investment management, and retirement-related advice. The firm integrates tax planning, bookkeeping, and estate-planning services with a diversified investment approach tailored to clients’ objectives and risk tolerance.

Jeffrey Osteen is a financial advisor with Cetera Planning Partners in Jacksonville, FL, holding Series 63 and 66 licenses and possessing 11 years of industry experience. His prior work includes a 14-year tenure at Charles Schwab and roles at Avantax and Arkadios Wealth Advisors. 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’s investment process emphasizes diversified allocations using mutual funds and ETFs tailored to client objectives and risk tolerance, supported by ancillary services such as tax planning, bookkeeping, payroll support, and estate planning through a third-party provider.

Jessica Freiburg is a financial advisor at Cetera Planning Partners with the PFS™ designation and two years of industry experience. She previously worked at Avantax Planning Partners and also manages Sassetti LLC, a firm providing tax planning, audit, and advisory services. Freiburg serves as treasurer for the Parks Foundation of Oak Park and volunteers with the Illinois Wesleyan University Council for Women, supporting female students through mentoring and scholarship initiatives. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees with services including investment management, comprehensive financial planning, and retirement-related advice. The firm’s investment approach emphasizes diversified mutual fund and ETF allocations aligned with client objectives and risk tolerance, supported by additional offerings such as tax planning, bookkeeping, and estate planning through third-party providers.

Jeffrey Murry is a CFP® professional with 17 years of experience in financial advising. He is currently with Cetera Planning Partners and has held roles at various affiliated Cetera firms since 2009, as well as prior experience with Avantax and 1st Global Capital Corp. Outside of advising, he is a 33.3% owner of Murry Investments LLC. 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 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 tolerance.

John Shall Jr. is a financial advisor with Cetera Planning Partners and holds a Series 66 designation. He has 20 years of industry experience and has worked at firms including Avantax and 1st Global Advisors. In addition to his advisory role, he is a partner and senior accountant at DeSantis, Kiefer, Shall & Sarcone LLP, an accounting firm where he is involved in tax and financial statement preparation. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees with services that include investment management, comprehensive financial planning, and Social Security optimization. The firm offers additional services such as tax planning, bookkeeping, payroll support, and estate planning, employing a diversified investment approach aligned with client objectives and risk tolerance.

Megan Smith is a financial advisor at Cetera Planning Partners with eight years of industry experience. She holds Series 63 and Series 65 licenses and has worked at various firms including Avantax Planning Partners and Longhi Financial. Outside of her advisory role, she volunteers with the Blue Mountain School District, assisting with student events and managing PTO expenses. 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 advice. The firm emphasizes diversified portfolios aligned with client objectives and risk tolerance, supported by a range of ancillary services such as tax planning and estate strategies.

Dwight Twillman is a CFP® professional with 17 years of industry experience, currently serving clients at Cetera Planning Partners since 2014. He holds Series 63 and Series 65 licenses and works out of Leawood, KS. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees, and offers investment management, comprehensive financial planning, Social Security optimization, and retirement-related advice. The firm’s approach emphasizes diversified allocations through mutual funds and ETFs tailored to client objectives, supported by ancillary services such as tax planning, bookkeeping, and estate-planning solutions.

Michael Darr is a financial advisor at Cetera Planning Partners with 27 years of industry experience. He holds the PFS™ and Series 63 designations and has previously worked at firms including ProEquities and Avantax Investment Services. In addition to his advisory role, he serves as president of Financial Care Professionals LLC, a CPA firm specializing in tax, accounting, and financial statement preparation. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees, and offers investment management, financial planning, Social Security optimization, and retirement advice. The firm provides additional services such as tax planning, bookkeeping, payroll support, and estate planning through a third-party provider, utilizing diversified mutual fund and ETF allocations tailored to clients’ objectives and risk tolerance.

John Hardy Jr. is a financial advisor at Cetera Planning Partners with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including LPL Financial, Summit Financial Group, and multiple Cetera entities. Outside of advising, he serves on the finance committee for First Baptist Church in Greensboro and co-hosts a radio show related to his securities business. 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 using mutual funds and ETFs tailored to clients’ goals and risk tolerance, supported by a range of ancillary services including tax planning, bookkeeping, payroll support, and estate planning through third-party providers.

Mitchell Pregler is a CFP® with one year of industry experience, currently affiliated with Cetera Planning Partners in Dubuque, IA. His career includes roles at various Cetera entities and Avantax firms, as well as prior positions at the University of Northern Iowa, Collins Aerospace, and Cottingham & Butler. 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 emphasizes diversified allocations using mutual funds and ETFs tailored to client objectives and risk tolerance, supported by a formal planning process and access to a broad network of affiliated financial and custodial resources.

Susan Maline is a financial advisor at Cetera Planning Partners with three years of industry experience. She holds a Series 65 credential and has previously worked at Avantax Planning Partners, Inc. Outside of financial advising, she serves as secretary for McChesney Martin Sagehorn, P.C., a public accounting firm, and is involved in managing a community BMX track through 308 BMX, Inc. 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 additional services such as tax planning and preparation, bookkeeping, payroll support, and estate-planning solutions through a third-party provider, utilizing a document-driven planning process with diversified mutual fund and ETF allocations.

Mark Lyons is a financial advisor with Cetera Planning Partners and holds a Series 65 designation. He has 10 years of industry experience and has been with Cetera Planning Partners since 2026. Lyons is also the managing shareholder of Casey Peterson & Associates, Ltd., a CPA firm specializing in audit, accounting, and consulting services within the healthcare industry. 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 using mutual funds and ETFs and offers additional services such as tax planning, bookkeeping, and estate planning through third-party providers.

Ivan Smirnou is a financial advisor with Cetera Planning Partners in Danville, CA, holding Series 63 and Series 66 credentials and bringing eight years of industry experience. His prior work includes roles at Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB. 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 emphasizes diversified allocations using mutual funds and ETFs tailored to client objectives and risk tolerance, supported by ancillary services such as tax planning, bookkeeping, and estate-planning solutions.

Zach Van Sambeek is a financial advisor at Cetera Planning Partners with the PFS™ designation and two years of industry experience. He is also an income partner at Casey Peterson, Ltd, where he provides tax and compliance services, business valuation, and assistance with audit and financial statement preparation. 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 emphasizes diversified allocations tailored to client objectives and risk tolerance and provides additional services such as tax planning, bookkeeping, payroll support, and estate planning through a third-party provider.

Sean Mahoney is a financial advisor with Cetera Planning Partners in Lafayette, LA, holding CFP® and Series 66 designations and bringing 15 years of industry experience. He has worked at various firms including Avantax and 1st Global Advisors, and maintains an ongoing role with Darnall Sikes Wealth Partners LLC. Outside of advising, Sean serves as treasurer for the Beaver Club of Lafayette, where he oversees financial planning and budgeting. 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 like tax planning, bookkeeping, payroll support, and estate planning through a third-party provider, leveraging a diversified investment approach aligned with clients’ objectives and risk tolerance.

Jennifer Richards is a ChFC® credentialed advisor with 14 years of industry experience, currently affiliated with Cetera Planning Partners. Her career includes roles at various Cetera entities and Avantax, along with administrative assistance at a CPA firm where she supports tax-related questions for investment clients. Richards also holds an insurance agent position with Genworth Financial. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees by offering investment management, comprehensive financial planning, and specialized retirement advice. The firm’s approach emphasizes diversified mutual fund and ETF allocations tailored to client objectives, with additional services such as tax planning, bookkeeping, and estate planning through third-party providers.

Adam Rang is a CFP® certificant with two years of industry experience, currently serving as a financial advisor at Cetera Planning Partners. His prior roles include positions at Avantax Planning Partners and Weitzel Financial Services. Outside of finance, he owns AJR Photos LLC, a sports photography business. 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 additional services such as tax planning and estate strategy. The firm’s investment approach focuses on diversified allocations aligned with client objectives and risk tolerance within a formal planning framework.

Tara Stensrud is a financial advisor at Cetera Planning Partners with three years of industry experience. She holds the PFS™ designation and previously worked at Avantax Planning Partners, Inc. Stensrud is also a principal at Yeo & Yeo, P.C., a full-service CPA firm where she provides tax and accounting services and leads a team of ten professionals. Outside of financial advising, she is involved with several related business activities including wealth management and medical billing services. Cetera Planning Partners serves individual and high-net-worth clients, focusing especially on pre-retirees and retirees, and offers investment management, comprehensive financial planning, Social Security optimization, and retirement-related advice. The firm provides additional services such as tax planning, bookkeeping, payroll support, and estate planning through affiliated providers, using a diversified investment approach tailored to client objectives and risk tolerance.