Elizabeth Krebs is a CFP® with 31 years of industry experience, currently affiliated with Cetera and owner of Krebs Financial Management since 2013. She has been with Cetera since 2005 through various affiliated entities. Outside of her advisory work, she serves as president of the Greater Ravenswood Chamber of Commerce and holds board positions with Scholarship for Illinois Residents Inc. and the nonprofit My Block My Hood My City. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, with investment strategies including model portfolios, third-party managers, and bespoke solutions across multiple program structures.

Emily Harris is a financial advisor with Cetera in Chicago, IL, holding Series 63 and Series 65 licenses and having nine years of industry experience. She has worked with multiple Cetera affiliates since 2019 and is involved in an unrelated user experience research activity. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, and institutional accounts, offering a range of portfolio management and advisory services through a large nationwide network of independent advisors.