Peter Floersch is a financial advisor with Cetera Planning Partners, holding a Series 66 designation and over 25 years of industry experience. His prior work includes roles at Avantax Advisory Services and a partnership at PKF O'Connor Davies LLP, a public accounting firm where he performed attest services. He is involved with FMRTL Wealth Advisors, providing financial advisory services alongside his primary role. 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 integrates tax planning, bookkeeping, payroll support, and estate-planning services through third-party providers, using a formal planning process centered on diversified mutual fund and ETF allocations matched to client objectives and risk tolerance.

Emil Rufolo is a financial advisor with Cetera Planning Partners and holds a Series 63 designation. He has 25 years of industry experience and has worked at various Cetera and Avantax entities as well as 1st Global Advisors. He is also a partner at Emil S. Rufolo CPA PLLC and serves as an executive board member of the Patriot Path Council for the Boy Scouts of America. Cetera Planning Partners serves individual and high-net-worth clients, with a focus on pre-retirees and retirees, offering investment management, comprehensive financial planning, Social Security optimization, and retirement-related advice. The firm’s investment process is based on diversified allocations using mutual funds and ETFs tailored to clients’ objectives and risk tolerance, complemented by ancillary services such as tax planning, bookkeeping, payroll support, and estate-planning through third-party providers.

Sarah Gerhard is a financial advisor at Cetera Planning Partners with nine years of industry experience. She holds a Series 65 designation and has a background that includes nine years at Avantax Planning Partners, Inc. and a longstanding partnership at Erpelding, Voight & Co., LLP, a CPA firm where she reviews tax returns and meets with clients. Cetera Planning Partners serves individual and high-net-worth clients, with a focus on pre-retirees and retirees, offering investment management, comprehensive financial planning, Social Security optimization, and retirement-related advice. The firm’s investment approach emphasizes diversified allocations tailored to client objectives and risk tolerance, supported by ancillary services such as tax planning, bookkeeping, payroll, and estate-planning through a third-party provider.

Amanda Demaine is a financial advisor at Cetera Planning Partners with 15 years of industry experience. She holds a Series 63 designation and has been associated with multiple Cetera entities and affiliated firms since 2013. Her career history includes roles at Avantax Planning Partners and First Allied Securities. 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-related advice, along with additional services such as tax planning, bookkeeping, payroll support, and estate planning through a third-party provider. Their investment approach relies on diversified mutual fund and ETF allocations aligned with clients’ objectives and risk tolerance, supported by formal planning processes and access to a broad Cetera network.

Stephanie Higginbotham is a financial advisor at Cetera Planning Partners with 20 years of industry experience and holds a Series 66 credential. She has an extensive background in wealth management and tax consulting, including partnerships at Darnall, Sikes & Frederick CPAs since 1982 and previous roles at Avantax and 1st Global Advisors. Outside of her advisory work, she serves as secretary and treasurer of an inactive hunting club. 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’s investment approach emphasizes diversified allocations aligned with client objectives and risk tolerance, supported by ancillary services such as tax planning, bookkeeping, and estate planning through third-party providers.

John Shall is a financial advisor with Cetera Planning Partners who holds a Series 63 designation and has 27 years of industry experience. Before joining Cetera Planning Partners, he worked at Avantax Advisory Services and 1st Global Advisors, among other firms. He serves as treasurer of the Staten Island Political Alliance and is a member of the executive committee for the North Shore Long Island Jewish Health Care System Board of Trustees. He is also chairman of the board of trustees at Staten Island University Hospital. Cetera Planning Partners serves individual and high-net-worth clients, with a focus on pre-retirees and retirees. The firm provides investment management and comprehensive financial planning services, emphasizing diversified allocations through mutual funds and ETFs tailored to client objectives and risk tolerance.

Michael Odom is a PFS™ credentialed advisor with three years of industry experience, currently with Cetera Planning Partners. He previously worked at Avantax Planning Partners for three years and has served as a partner and CPA at Fouts and Morgan, Certified Public Accountants, P.C. since 1990. Outside of his advisory role, Odom is involved with a financial advisory network LLC, where he participates in client development and oversees financial affairs. Cetera Planning Partners serves individual and high-net-worth clients, with a focus on pre-retirees and retirees, offering investment management, comprehensive financial planning, and retirement-related advice. The firm emphasizes diversified portfolios built from mutual funds and ETFs, supported by a formal planning process and additional services such as tax planning, bookkeeping, payroll support, and estate planning through third-party providers.

Pardis Ferdosi is a CFP® with three years of industry experience, currently serving as an advisor at Cetera Planning Partners. Prior to this, Ferdosi has held roles at multiple firms including Avantax Planning Partners and United Healthcare, where they also work as an independent health agent writing healthcare policies. 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 emphasizes diversified portfolios tailored to client objectives and risk tolerance, supplemented by services such as tax planning, bookkeeping, and estate planning through a third-party provider.

Angela Coxton is a financial advisor with Cetera Planning Partners in El Segundo, CA. She holds Series 63 and Series 66 registrations and has 26 years of industry experience. Her career includes roles at Avantax Planning Partners, Summit Brokerage Services, and multiple entities within the Cetera network. 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 integrates tax planning, bookkeeping, payroll support, and estate-planning services through third-party providers, utilizing a diversified investment approach aligned with client objectives and risk tolerance.

Francis Dardis is a financial advisor with Cetera Planning Partners, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. His background includes roles at Avantax, ProEquities, TD Ameritrade, and Prudential Retirement Brokerage Services. He also serves as a senior financial advisor at Honkamp Krueger Financial Services, focusing on financial planning and wealth management. 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’s approach involves diversified allocations aligned with client objectives and risk tolerance, supported by additional services such as tax planning, bookkeeping, payroll, and estate planning through third-party providers.

Timothy Watters is a CFP® professional with 18 years of industry experience. He has been with Cetera Planning Partners since 2024 and previously operated Watters Financial Services, LLC for 38 years. 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 also offers tax planning and preparation, bookkeeping, payroll support, and an estate-planning service called Legacy Wealth Strategies through a third-party provider.

Christina Mc Cabe is a financial advisor with Cetera Planning Partners, holding a Series 65 credential and eight years of industry experience. She previously worked at Financial Engines Advisors L.L.C. for seven years before joining her current firm. 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 also provides ancillary services such as tax planning, bookkeeping, payroll support, and estate planning through a third-party provider.

Patrick Owens is a financial advisor with Cetera Planning Partners in Des Moines, IA, holding Series 63 and Series 65 licenses and 11 years of industry experience. His prior roles include positions at Wells Fargo Advisors, DV Financial, and various Avantax entities. 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 integrates a diversified investment approach with ancillary services such as tax planning, bookkeeping, payroll support, and estate planning through third-party providers.

Wendy Albers is a financial advisor at Cetera Planning Partners with the PFS™ designation and three years of industry experience. Prior to her current role, she worked at Avantax Planning Partners, Inc. She is also a shareholder in a public accounting firm offering tax and advisory services and serves as treasurer of a nonprofit organization facilitating spiritual retreats for high school students. 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 approach emphasizes diversified allocations aligned with client objectives and risk tolerance, supported by ancillary services such as tax planning, bookkeeping, payroll support, and estate planning through a third-party provider.

Lacy Bender is a PFS™ credentialed financial advisor with one year of industry experience, currently with Cetera Planning Partners. She also serves as Vice President at Harding, Shymanski & Co., PSC, an accounting firm specializing in tax compliance, consulting, and wealth management. Outside of her advisory role, Bender is actively involved in the community as Treasurer and a board member of Ronald McDonald House Charities of the Ohio Valley and as President of the Finance Committee for Resurrection Catholic School and Church. She is also a head volleyball coach at Mater Dei High School. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees, offering investment management, comprehensive financial planning, Social Security optimization, and retirement-related advice. The firm integrates tax planning, bookkeeping, payroll support, and estate-planning services through a third-party provider and utilizes a diversified investment process built around mutual funds and ETFs tailored to client objectives and risk tolerance.

Gregory Zink is a Series 65 credentialed financial advisor with Cetera Planning Partners, bringing five years of industry experience. Prior to joining Cetera Planning Partners, he worked for Avantax Planning Partners, Inc. for five years and has over four decades of experience as a Principal and Accountant with MRPR CPAs & Advisors. Outside of his advisory role, he serves as a Board Member and Treasurer for Kiwanis Club Detroit #1, a nonprofit organization. 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 also offers tax planning, bookkeeping, payroll support, and estate-planning services, utilizing a diversified investment approach aligned with clients’ objectives and risk tolerance.

Susan Thompson is a financial advisor with Cetera Planning Partners and holds a Series 65 credential. She has 26 years of industry experience, including prior roles at HK Financial Services, Inc. and Peninsula Asset Management Inc. In addition to her advisory work, Susan is a Principal and CPA at Christopher, Smith, Leonard, Bristow & Stanell, P.A., a regional accounting firm, and serves as a Director/Trustee of The Saunders Foundation, a nonprofit private foundation. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees by offering investment management, comprehensive financial planning, and retirement-related advice. The firm features ancillary services such as tax planning, bookkeeping, and an estate-planning program, integrating diversified investment strategies aligned with client goals and risk tolerance.

Ronald Kudlacek is a CFP® professional with 22 years of industry experience, currently with Cetera Planning Partners. His prior roles include positions at Plains Wealth Management, Core + Financial Strategies, and Raymond James Financial Services Advisors. Outside of his advisory work, he is a partner in RKBW, LLC, a business involved in real estate investments and convenience store equipment leasing. 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 matched to client goals, supported by ancillary services such as tax planning, bookkeeping, and estate planning through a third-party provider.

Melissa La Brue is a financial advisor at Cetera Planning Partners with 11 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Avantax Planning Partners, Avantax Investment Services, and Wymer Brownlee Tax and Financial Management. La Brue is also a licensed life insurance agent with Americo Financial Life and Annuity Insurance Company. 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 integrates tax planning, bookkeeping, payroll support, and estate-planning services, using a diversified investment approach tailored to client objectives and risk tolerance.

Kyle Saltzman is a financial advisor with Cetera Planning Partners, holding a Series 66 credential and three years of industry experience. He has a longstanding career with Darnall, Sikes & Frederick CPA's since 2002, where he is a shareholder and oversees audit and tax projects. Saltzman is also involved with Darnall Sikes Wealth Partners LLC, providing wealth management support to clients. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees, and offers comprehensive financial planning, investment management, and specialized retirement services. The firm integrates tax, bookkeeping, and estate-planning support with a diversified investment approach tailored to each client’s objectives and risk tolerance.