Kurt Ebel is a financial advisor with Cetera, holding Series 63 and Series 65 designations and bringing 19 years of industry experience. He has worked at Cetera and its affiliate firms since 2019 and previously spent 12 years with Foresters Financial Services. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individual investors, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with access to affiliated and third-party investment managers.

David Smith is a financial advisor at Cetera with 16 years of industry experience. He holds Series 63 and Series 65 designations. Prior to joining Cetera in 2019, he worked at Foresters Financial Services and Foresters Financial from 2013 to 2019. Outside of his advisory role, he has served on the executive board of the Detroit Athletic Club, including terms as director of hockey operations, vice president, and president. 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 a range of portfolio management and financial planning services through a multi-manager platform, allowing advisors to utilize affiliated and third-party managers or create custom strategies.

Vicki Filipiak is a CFP®-designated advisor with 27 years of industry experience, currently affiliated with Cetera since 2019. Her prior roles include extensive tenure at Foresters Financial Services and Foresters Advisory Services. She serves as chairperson of the endowment fund committee at St. Paul's Evangelical Lutheran Church and owns an agricultural business involving farming, hunting leases, timber sales, and barn rentals. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and consulting services, utilizing a multi-manager platform with discretionary and non-discretionary account structures.

Mason Dado is a financial advisor with Cetera, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Edward Jones and PwC. Outside of advising, he works as a real estate agent involved in buying and selling homes. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and utilizes a multi-manager platform with diverse program structures.

Thaddeus Bienko III is a financial advisor with Cetera, holding a Series 66 credential and 14 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, E*TRADE Capital Management, TD Ameritrade, and Merrill Lynch. Cetera Investment Advisers LLC serves 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, supporting various investment strategies and program structures.

Larry Wright Jr. is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and possessing 21 years of industry experience. His career includes roles at Foresters Financial Services from 2011 to 2019 and with Cetera Investment Services LLC since 2019. He is based in Farmington Hills, MI. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a variety of portfolio management and financial planning services through a large network of independent advisors and provides access to both affiliated and third-party investment managers across multiple program platforms.

Bruce Townsend is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and over 34 years of industry experience. His prior work includes roles at Wells Fargo Clearing Services LLC, Bank of America, N.A., and Merrill. Townsend also serves as successor trustee for the Ralph and Phyllis Townsend Trust. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a large nationwide network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through multi-manager platforms and various program structures.

Spencer Warn is a CFP® professional with 10 years of industry experience, currently serving at Cetera since 2019. He previously worked at Foresters Financial Services from 2016 to 2019. Outside of his advisory role, he volunteers as president of a local business networking group. Cetera Investment Advisers LLC is an SEC-registered adviser with a large nationwide network of independent advisors, serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary account options.