Javier Cardenas is a CFP®-designated financial advisor with 26 years of industry experience, currently with Cetera. His prior firms include Avantax and Oppenheimer & Co Inc. He is based in Elk Grove, CA. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options and serves over 800,000 clients through more than 10,000 advisors.

Jerry Sandlin Jr. is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and bringing 28 years of industry experience. He previously worked at LPL Financial for 18 years and Schools Financial Credit Union for 12 years. Outside of finance, he is the qualifying partner in a house painting business, though he is not involved in its day-to-day operations. Cetera Investment Advisers LLC is an SEC-registered firm serving individual clients, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, financial planning, and access to third-party managers, supporting a broad range of client needs across discretionary and non-discretionary program structures.

Matthew Mcdonald is a financial advisor with Cetera, holding Series 63, 65, and 66 licenses and bringing 28 years of industry experience. He has been with Cetera since 2013 and also owns Matt McDonald Financial, a DBA for financial and insurance services. Outside of his advisory work, he serves as a treasurer for Rage Soccer Academy and has experience as a paralegal specializing in living trust and estate work. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a multi-manager platform providing discretionary and non-discretionary portfolio management, financial planning, ERISA retirement services, and access to third-party money managers across various program structures.