Frank Ramirez is a financial advisor with Cetera in Houston, TX, holding a Series 66 designation and four years of industry experience. He has previously worked at Mass Mutual Investors Services and Farmers Insurance. Outside of his advisory roles, Ramirez owns a catering company, Joe Bruno BBQ, which he has operated since 2019. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Crystal Nguyen is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 22 years of industry experience. Her prior roles include positions at Morgan Stanley, UBS Financial Services, and MassMutual. Outside of her advisory work, she is active as the president of a local Parent Teacher Association, volunteers as a debate judge, and coaches competitive debate. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to both affiliated and third-party money managers.

Joseph Chappell is a financial professional affiliated with Cetera, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, American United Life, OneAmerica Securities, and Metlife Securities. Since 2020, he has also been involved with Ensign Financial Partners and Ensign Partners, focusing on financial services and retirement planning for business owner clients. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients, offering a range of portfolio management and financial planning services. The firm operates a multi-manager platform with access to various investment models and managers, managing over $256 billion in assets through more than 10,000 advisors.

Michael Porter is a CFP® professional with 20 years of industry experience, currently affiliated with Cetera. His career includes roles at Mass Mutual Investors Services, Allstate Insurance Company, and operating his own tax and accounting firm, MD Porter, PLLC, where he serves as CPA and manager. He is also involved with Totus Wealth Management, serving as Director of Field Development, and holds an insurance agent license for fixed insurance products. Cetera operates as a multi-manager platform serving individual, corporate, charitable, and institutional clients, offering a range of portfolio management and retirement services through a nationwide network of independent advisors. The firm provides various program options, including model portfolios, third-party managers, and bespoke strategies across multiple custodial relationships.