Barbara Watts is a Series 66-licensed financial advisor with 20 years of industry experience, currently associated with Cetera. She has worked at Cetera Financial Specialists LLC and Cetera since 2006 and has been with Cornerstone Advisers, LLC since 2012, where she serves as Director of Client Services. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients through a variety of portfolio management and consulting services. The firm offers multiple program structures and investment options, including model portfolios, third-party managers, and bespoke strategies, managing over $256 billion in assets.

James Hogan is a CFP® with 32 years of industry experience, currently serving as a financial advisor at Cetera. He has worked with Cetera since 1998 and holds additional roles including partner at Cornerstone Advisers LLC and owner of an accounting and tax practice, Hogan & Company CPAs. Hogan also serves as treasurer on the board of the Tri-Town YMCA, a nonprofit organization offering childcare and summer programs. Cetera Investment Advisers LLC distributes its services through a 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, operating a multi-manager platform that provides access to affiliated and third-party investment managers.

J Terence Gallagher is a CFP®-designated financial advisor with 39 years of industry experience, currently affiliated with Cetera. He has worked at Cetera and its related entities since 1987 and holds roles at both Cornerstone Advisers, LLC and 1st Advantage Financial Advisers, LLC. Gallagher serves on the Board of Advisors for Catholic Charities of Chicago. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors, offering portfolio management, financial planning, and retirement services to individuals, employer-sponsored plans, corporations, and charitable clients. The firm operates a multi-manager platform with a range of investment program options and oversees more than $256 billion in assets across approximately 10,000 advisors and 800,000 clients.