Robert Hart is a Series 66-licensed financial advisor with 23 years of industry experience. He has been with Cetera since 2018 and has prior experience at Centennial Bank and Investment Professionals Inc. He is based in Gulf Shores, Alabama. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Karol Heredia is a financial advisor with Cetera, holding a Series 66 designation and four years of industry experience. Heredia has worked at Cetera and its affiliate firms since 2018 and has a background that includes nine years at Regions Bank. Cetera Investment Advisers LLC is an SEC-registered adviser serving 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 large network of independent advisors and employs a multi-manager platform with various program options and custodial arrangements.