David Frederick is a financial advisor with Cetera, holding a Series 63 designation and bringing 41 years of industry experience. He has been with Cetera Advisors LLC since 2013 and joined Cetera in 2024. Outside of his advisory work, he is involved with Frederick Insurance Agency and Ark Financial Services Inc., which operate fixed insurance and securities businesses. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers portfolio management, financial planning, and consulting services using a multi-manager platform that includes affiliated and third-party strategies across various program structures.

Todd Frederick is a financial advisor with Cetera and holds Series 63 and Series 66 credentials. He has 11 years of industry experience and has been with Cetera and its affiliates since 2015. Outside of his advisory role, he is involved in financial planning and insurance services through ARK Financial Services, LLC, where he provides life, health, disability, annuities, and long-term care insurance. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through a multi-manager platform, supporting diverse investment strategies and custodial arrangements.