Thomas Goins is a ChFC®-designated financial advisor with 36 years of industry experience. He is currently with Cambridge Investment Research Advisors and has previously worked at Ic Advisory Services Inc, The Investment Center Inc, and H. Beck, Inc. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, utilizing a range of portfolio management strategies and platform arrangements.

Kathleen Ladra is a CFA® charterholder with 20 years of industry experience. She is currently with Cambridge Investment Research Advisors and has previously worked at Securities America Advisors, Omega Investment Management, and Cooper Mcmanus. Outside of her advisory role, Ladra serves as president of the Animal Coalition Group, a nature-focused organization. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent Financial Professionals using a variety of portfolio management and model-based solutions.