Lance Hemmer is a financial advisor with Cetera who holds Series 65 and Series 66 designations and has 26 years of industry experience. His prior roles include leadership at Hemmer & Associates, Inc. since 1989 and involvement with Hemmer Capital, LLC and Tropical Smoothie Café as a part owner. Outside of advising, he serves as a condominium board member and operates as a notary public. Cetera Investment Advisers LLC is an SEC-registered firm serving individual investors, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform allowing advisors to implement various portfolio strategies, including discretionary and non-discretionary management, supported by a nationwide network of over 10,000 advisors.

Kurt Gerhardt is a CFP® professional with 26 years of industry experience, currently serving at Cetera since 2023. He has prior experience with Cetera Wealth Services, LLC and BCI Wealth & Asset Management. Outside of his advisory role, he coaches youth roller hockey in Jacksonville, FL. Cetera Investment Advisers LLC is an SEC-registered firm delivering a range of portfolio management, financial planning, and retirement services to individual, corporate, charitable, and institutional clients through a large network of independent advisors. The firm employs a multi-manager platform allowing advisors to implement a variety of investment strategies across discretionary and non-discretionary accounts.