James Smith Jr. is a financial advisor at Cetera with over 10 years of industry experience. He holds the PFS™ designation along with Series 63 and Series 65 licenses. Prior to joining Cetera, he held roles at Avantax Advisory Services and Summit Financial Group. Outside of his advisory work, Smith serves as president of A Bite To Eat, Inc., a nonprofit organization that provides food and blankets to homeless individuals in Honolulu. Cetera Investment Advisers LLC is an SEC-registered firm with a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and retirement services, employing a multi-manager platform with various program options and custodial relationships.

Jeffrey Chang is a financial advisor with Cetera, holding a Series 63 designation and bringing 28 years of industry experience. He has a diverse professional background including roles at Avantax Advisory Services and ownership of Chang & Company, CPA, Inc., an accounting firm he has led since 1990. Chang serves as an elected trustee for the United Chinese Society of Hawaii and sits on the board of directors for AOAO Century Square, a commercial office condominium in Honolulu. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and consulting services, employing a multi-manager platform that includes both affiliated and third-party investment options.