Ryan Ford is a financial advisor with Cetera, holding CFP® and PFS™ designations and a Series 66 license, and has two years of industry experience. He has worked at several firms, including Sequoia Advisors LLC and Forvis, LLP. Outside of his advisory role, he is a managing member and part owner of Sequoia Advisors LLC, where he prepares tax returns. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Kenneth Peterson is a financial advisor with Cetera in Downers Grove, IL, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has worked with Cetera and its related entities since 1999 and is the owner of a CPA service as well as a board member of a local bank. His other business activities include serving as treasurer and stockholder of a computer consulting company and receiving referral commissions on health insurance. Cetera Investment Advisers LLC is an SEC-registered firm that provides a broad range of advisory services to individuals, retirement plans, corporate, charitable, and institutional clients. The firm operates a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers across various program structures.

Kenneth Kolnicki is a financial advisor with Cetera who holds the Series 63 and Series 65 designations and has 41 years of industry experience. He has worked at Cetera since 1995 and is also involved in several accounting and financial service businesses, including serving as president of KPW TECH, Inc. and KJK CPA, Ltd, providing computer consultation and CPA services. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a wide range of clients, including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers portfolio management, financial planning, retirement services, and access to a multi-manager platform featuring both affiliated and third-party managers.

Michael Kolnicki is a CFP® professional affiliated with Cetera who has 31 years of experience in the financial services industry. His career includes long-term roles at Cetera Financial Specialists LLC since 1995 and Kpw Financial Services since 2012. In addition to his advisory work, he operates several accounting and tax-related businesses. Cetera Investment Advisers LLC serves a wide range of clients including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform that allows advisors to implement model portfolios, third-party manager selections, or custom strategies.