Kristen Thomas is a CFP®-certified financial advisor with nine years of industry experience. She is currently affiliated with Cetera and also serves as a financial professional at Paved Wealth Partners, LLC. In addition to her advisory work, she operates a small gardening consulting business called Southern Rooted Gardens. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser that serves individual, retirement, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, utilizing a multi-manager platform with access to affiliated and third-party money managers.

Douglas Marlow is a CFP® and ChFC® with 33 years of industry experience. He is currently affiliated with Cetera, having joined the firm and its related entities in 2025. His prior experience includes roles at Avantax Investment Services, Fidelity Personal and Workplace Advisors, and TIAA. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform, supporting both discretionary and non-discretionary account structures.