Charles Lutrick is a financial advisor at Cetera with 37 years of industry experience. He holds the ChFC® designation and Series 63 license. His career includes roles at ATL Global Advisors and Cetera Advisors LLC. Outside of his financial services work, Lutrick serves as a First Lieutenant in the Civil Air Patrol, where he is involved in aircraft maintenance for search and rescue operations. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, employer-sponsored retirement, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, supporting a wide range of program structures and investment strategies.

Morgan Marlin is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and 14 years of industry experience. He has worked at multiple firms including MML Investors Services LLC and MassMutual Life Insurance Company. Outside of his advisory roles, he serves as board member and treasurer for the Children's Museum of Sound and Color, a nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base that includes individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a variety of investment management and financial planning services through a multi-manager platform with access to both affiliated and unaffiliated third-party managers.