Brian Olmstead is a CFP® professional with 28 years of industry experience, currently serving at Cetera since 2023. He has been affiliated with Cetera Wealth Services, LLC since 2013. Outside of his advisory role, Olmstead is the owner of Mammen Financial Services Inc., a corporation involved in fixed insurance sales, life, and annuities, where he also manages corporate administrative tasks and produces an informational newsletter. 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 range of portfolio management and financial planning services through a multi-manager platform with various program options and custodial relationships.

Stephen Erickson is a CFP® professional with 25 years of experience in the financial services industry. He is currently with Cetera, where he has worked since 2013. Erickson is the owner of Mammen Financial Services Inc, a corporation involved in investment-related activities, and also engages in fixed insurance sales including life and annuities. Cetera Investment Advisers LLC operates a nationwide network of independent advisors serving individual, employer-sponsored, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and retirement services through a multi-manager platform, providing access to affiliated and unaffiliated investment options across multiple program structures.

Ronald Mammen is a CFP® with 52 years of industry experience, currently serving with Cetera since 2013. He is owner and president of Mammen Financial Services Inc., a corporation established in 2002. His background includes fixed insurance sales focused on life and annuities. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors offering portfolio management, financial planning, and retirement services to individual, corporate, charitable, and institutional clients. The firm operates a multi-manager platform featuring a range of program options and third-party managers, managing over $256 billion in assets.

Ana Ramirez is a financial advisor at Cetera with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Cetera and Cetera Wealth Services since 2013. Ramirez is also the owner of Ana Ramirez Investments LLC, a financial services DBA, and is involved in fixed insurance sales focused on life and annuities. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services with multiple program structures and access to affiliated and third-party managers.