Phillip Smith III is a financial professional with nine years of industry experience, currently affiliated with Cetera. He holds the Series 66 designation and has worked at firms including VOYA Financial Advisors and Pacific Benefit Consultants, Inc. Smith also operates as an independent insurance agent. Cetera Investment Advisers LLC is a national SEC-registered advisory platform serving a diverse client base ranging from individuals to institutional accounts, offering a variety of portfolio management and financial planning services through a large network of independent advisors.

James Menezes is a financial advisor at Cetera with 42 years of industry experience. He holds the Series 63 and Series 65 credentials. His work history includes positions at VOYA Financial Advisors and Pacific Benefit Consultants. Menezes also operates as an independent insurance agent and is president of James T Menezes Inc. DBA Tidepool Wealth Strategies, a financial services business. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers portfolio management, financial planning, and retirement services through a multi-manager platform with access to various program structures and third-party managers.

Ian Epperson is a financial advisor at Cetera with seven years of industry experience. He holds Series 65 and Series 63 licenses. His previous firms include LPL Financial, SELCO Community Credit Union, and Waddell and Reed. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.