Zachary Allen is a financial advisor with Cetera, holding a Series 66 designation and over 20 years of industry experience. His work history includes roles at First Financial Equity Corporation and multiple capacities within Cetera-affiliated entities. Outside of traditional advisory activities, he manages BuffChili, a business that refers clients and banks to FDIC-insured programs. Cetera Investment Advisers LLC is a large, SEC-registered firm serving a wide range of clients, including individuals, retirement plans, and institutional accounts. The firm offers discretionary and non-discretionary portfolio management through a multi-manager platform, combining affiliated and third-party strategies with various program structures.

Justin Gedlen is a CFP® professional with 17 years of industry experience, currently affiliated with Cetera. His work history includes roles at First Financial Equity Corporation and Disciplined Advisors Group, LLC, where he is a partner. He also manages expense-related LLCs outside of his advisory duties. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a variety of portfolio management and retirement services, operating a multi-manager platform that allows advisors to implement diverse investment strategies across multiple program structures.