Fred Middleton is a financial advisor at Cetera with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cetera and its affiliate entities since 2015. Outside of advisory work, Middleton is involved in financial education, serving as an instructor for workshops and at Auburn University, and operates PMG Planning Inc, a financial services firm where he is president and owner. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients nationwide. The firm offers a multi-manager investment platform with various portfolio management options, including model portfolios, third-party managers, and customized strategies, managing over $256 billion in assets through a network of more than 10,000 advisors.

Andrew Mccay is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and 18 years of industry experience. His prior roles include positions at Morgan Stanley and its Private Bank division, as well as leadership and financial professional roles at Kodiak Wealth, LLC. Outside of his advisory work, he is involved as an insurance agent selling life, fixed annuities, and long-term care products, and he serves as president of Kodiak Wealth, LLC. Cetera Investment Advisers LLC operates a large nationwide network of independent advisors serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers across discretionary and non-discretionary program options.