Andrew Krosnowski is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 40 years of industry experience. His career includes extensive tenure at First Allied Advisory Services and First Allied Securities prior to joining Cetera. Outside of advisory work, he is a partner in a real estate firm and serves as a trustee and power of attorney for clients’ living trusts. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers various portfolio management and financial planning services and operates a multi-manager platform that allows advisors to implement a range of investment strategies across multiple program structures.

Melissa Paine is a financial advisor with Cetera, holding a CFP® designation and Series 63 and 65 licenses, and has 30 years of industry experience. Her prior roles include positions at First Allied Advisory Services and First Allied Securities, where she worked for over two decades. Outside of her advisory work, she serves as treasurer for a homeowners association and acts as trustee for a special needs trust. Cetera Investment Advisers LLC is a large SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a nationwide network of advisors. The firm offers a multi-manager platform with various portfolio management options, including discretionary and non-discretionary services, and manages over $256 billion in assets.