John Kozol Jr. is a CFP® with 14 years of industry experience, currently affiliated with Cetera and serving as a financial professional at Headwater Wealth Advisors. His work history includes roles at First Allied Advisory Services and Cetera ADVISORS LLC. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors serving individual, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary program options.

John Kozol is a CFA® charterholder with 43 years of experience in the financial services industry. He is currently affiliated with Cetera and serves as the owner of Headwater Wealth Advisors, a financial services firm. His prior roles include long tenures at First Allied Advisory Services, Inc. and First Allied Securities, Inc. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform featuring both affiliated and third-party investment options.