Jacob Rosalez is a financial advisor with Cetera Planning Partners and holds a Series 66 designation. He has six years of industry experience and has previously worked with firms including Avantax and Ameriprise Financial Services. Rosalez also assists investment representatives with their clients through Avantax Planning Partners. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees. The firm provides investment management, financial planning, Social Security optimization, and retirement advice, along with ancillary services such as tax planning, bookkeeping, payroll support, and estate-planning through third-party providers.

Amie Toyama is a financial advisor at Cetera Planning Partners in Denver, CO, holding the PFS™ designation. She has been in the industry since 2026 and previously worked at Watson Coon Ryan LLC and related firms for a combined nine years. 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 also provides tax planning, bookkeeping, payroll support, and estate-planning services through a third-party provider, using a diversified investment process tailored to client objectives and risk tolerance.

John Crowe is a financial advisor at Cetera Planning Partners with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at various firms including Avantax and Headquarters Advisory Group. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees, offering investment management, comprehensive financial planning, and retirement-related advice. The firm’s investment process emphasizes diversified allocations tailored to client objectives and risk tolerance, supported by a range of ancillary services such as tax planning, bookkeeping, and estate-planning solutions.

Troy Coon is a financial advisor with Cetera Planning Partners, holding Series 65 and Series 63 licenses and bringing five years of industry experience. He manages Watson Coon Ryan LLC, a partnership that offers strategic tax consulting and IRS representation for businesses and individuals. Additionally, he provides tax consulting and planning through a sole proprietorship serving family and friends. 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 centers on diversified allocations constructed from mutual funds and ETFs tailored to clients’ objectives and risk tolerance.

Ruth Goran is a financial advisor with Cetera Planning Partners and holds Series 63 and Series 65 licenses. She has 25 years of industry experience, including 25 years at Avantax Planning Partners, Inc. Outside of her advisory role, she is president of Entertain2Educate, an organization involved in developing original scripts for continuing education programs, and serves as president of the not-for-profit Parks Earhart, which researches women breaking the glass ceiling in business. She also holds several voluntary board and treasurer roles with nonprofit organizations. 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 and preparation, bookkeeping, payroll support, and estate-planning through a third-party provider, integrating a diversified investment approach with a formal planning process.

Mordechai Taylor is a financial advisor at Cetera Planning Partners with three years of industry experience. He holds a Series 65 credential and previously worked at Avantax Planning Partners, Inc. for four years. He also has a long-standing role at Premier Accounting & Tax Services, Inc. since 2009. 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 third-party providers, utilizing a process centered on diversified mutual fund and ETF allocations tailored to client objectives and risk tolerance.

David Nyman is a financial advisor at Cetera Planning Partners with five years of industry experience and holds a Series 65 designation. Prior to joining Cetera Planning Partners in 2020, he worked at Avila University and Mid-America Nazarene University and operated a cleaning service for ten years. 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’s investment approach emphasizes diversified allocations using mutual funds and ETFs tailored to client objectives, with additional services such as tax planning, bookkeeping, payroll support, and estate planning through a third-party provider.

Matthew Folz is a financial advisor with Cetera Planning Partners and holds a Series 65 designation. He has seven years of industry experience and has also been a Vice President and Accountant at Harding, Shymanski & Company, P.S.C., a regional CPA firm, since 1995. Additionally, he serves as a volunteer Finance Committee Member for the Sisters of St. Benedict, a not-for-profit 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 offers additional services such as tax planning, bookkeeping, payroll support, and estate planning through third-party providers, with an investment process centered on diversified mutual fund and ETF allocations aligned to client objectives and risk tolerance.

Wendy Sims is a PFS™-designated advisor at Cetera Planning Partners with 27 years of industry experience. Prior to joining Cetera in 2026, she worked at Honkamp Krueger Financial Services for 21 years and has been a shareholder and accountant at Schuring & Uitermarkt, a regional CPA firm, since 1982. She serves on the board of directors for both Leighton Investment Company, a bank holding company, and the Pella Regional Health Center Foundation. Cetera Planning Partners serves individual and high-net-worth clients, especially pre-retirees and retirees, offering investment management, comprehensive financial planning, Social Security optimization, and retirement-related advice. The firm employs a diversified, mutual fund- and ETF-based investment approach tailored to clients’ objectives and risk tolerance, supported by affiliated broker-dealer and custodial resources within the larger Cetera network.

Brian Schmidt is a CFP® professional with 27 years of industry experience, currently with Cetera Planning Partners. His career includes prior roles at Fidelity and Avantax, with a tenure spanning various affiliated Cetera entities since 2025. 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 and preparation, bookkeeping, payroll support, and estate planning through a third-party provider, employing a diversified investment approach tailored to client objectives and risk tolerance.

Duncan Gates is a CFP® with 19 years of industry experience, currently affiliated with Cetera Planning Partners. His career includes roles at Avantax Advisory Services and its related entities, as well as leadership in tax and accounting at Five Star Advisor Partners and Joseph Hancock Tax and Financial Service, where he prepares tax returns for individuals and businesses. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees through investment management, comprehensive financial planning, and retirement-related advice. The firm integrates tax planning, bookkeeping, and estate-planning services, utilizing a diversified investment approach tailored to client objectives and risk tolerance.

Christopher Michalak is a CFP® with 20 years of experience in the financial industry. He is currently affiliated with Cetera Planning Partners and has held roles at multiple Cetera entities and Avantax firms. Michalak serves on local community boards in Saline, Michigan, including the CARES Board and the Local Development Finance Authority committee for the city of Saline. He is also president of Capstone Tax & Financial, a tax preparation and accounting business. 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 advice. The firm integrates tax planning, bookkeeping, payroll support, and estate-planning services while leveraging a diverse, document-driven investment approach matched to client objectives and risk tolerance.

Christine Berwick is a financial advisor with Cetera Planning Partners, holding a Series 66 designation and six years of industry experience. She has held positions with various Cetera and Avantax entities since 2019. Berwick is also a partner at Darnall, Sikes & Frederick CPAs, where she has worked since 2007 and serves as a referring financial advisor through Darnall Sikes Wealth Partners 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 and preparation, bookkeeping, payroll support, and estate planning through a third-party provider, with an investment process centered on diversified allocations aligned with client objectives and risk tolerance.

Daniel Konen is a Series 66-licensed financial advisor at Cetera Planning Partners with 26 years of industry experience. His career includes roles at Avantax Investment Services, Junkermier Clark Campanella Stevens PC, and 1st Global Advisors, Inc. He is involved in entertainment and talent management as a member of Inspired Entertainment, LLC, and serves as trustee and co-trustee for multiple family trusts. 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 tailored to client objectives, supplemented by ancillary services such as tax planning, bookkeeping, payroll support, and estate-planning solutions.

Robert Speer is a Series 65 licensed financial advisor at Cetera Planning Partners with two years of industry experience. He previously worked at Avantax Planning Partners, Inc. for three years and has been a CPA and director at McChesney Martin Sagehorn, PC since 2008. Speer also serves as treasurer for the Lexington Lions Club, where he manages financial reporting and bill payments. 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 offers additional services such as tax planning, bookkeeping, payroll support, and estate-planning through a third-party provider, with an investment process centered on diversified mutual fund and ETF allocations tailored to client objectives and risk tolerance.

Brian Thomas is a financial advisor at Cetera Planning Partners with three years of industry experience and holds a Series 66 designation. His prior roles include positions at The Retirement Planning Group, Bank of America, Merrill, and SelectQuote Insurance Services. 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 approach focuses on diversified mutual fund and ETF allocations tailored to clients’ objectives and risk tolerance, supplemented by ancillary services such as tax planning, bookkeeping, payroll support, and estate-planning through a third-party provider.

Michael Mccumiskey is a Series 65 licensed advisor with three years of industry experience, currently with Cetera Planning Partners. He has held roles at several firms, including Avantax Planning Partners and MPM Advisory, LLC, where he provides outsourced accounting support to small and medium-sized businesses. 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 incorporates diversified mutual fund and ETF allocations tailored to client objectives, and provides additional services such as tax planning, bookkeeping, and estate planning through affiliated providers.

Nancy Luther is a financial advisor at Cetera Planning Partners with 15 years of industry experience. She holds a Series 65 designation and has worked previously at Financial Engines Advisors L.L.C. and Tmfs Advisors, Llc. 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 approach emphasizes diversified allocations using mutual funds and ETFs tailored to client objectives and risk tolerance, supported by a formal planning process and periodic updates.

George Boyle Jr. is a financial advisor at Cetera Planning Partners with 20 years of industry experience. He holds the PFS™ designation along with Series 63 and Series 66 licenses. Boyle has worked with several firms including Avantax and manages his own tax and accounting firm, G P Boyle & Associates, where he serves as president. He is also involved in tax preparation and accounting through GW Tax and Accounting, LLC. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees. The firm offers investment management, comprehensive financial planning, Social Security optimization, and retirement-related advice, with additional services including tax planning, bookkeeping, payroll support, and estate planning through a third-party provider.

Jeffrey Stahl is a financial advisor at Cetera Planning Partners with one year of industry experience. He holds a Series 66 designation and has previously worked at The Retirement Planning Group, LLC, Plains Wealth Management, and Raymond James Financial Services Advisors, Inc. 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 approach emphasizes diversified allocations using mutual funds and ETFs tailored to clients’ objectives and risk tolerance, supported by a formal planning process and a range of ancillary services including tax planning and estate strategies.