Emily Wirgin is a CFP®-designated financial advisor with 20 years of industry experience. She is currently with Cetera and has held prior roles at Allied Wealth Partners and Minnesota Life Insurance Company. She is also the owner and president of Mozem Financial, LLC, an expense management business. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers various portfolio management and consulting services and operates a multi-manager platform that includes model portfolios, third-party managers, and customizable strategies.

Michael Daniels Jr. is a CFP® and ChFC® credentialed financial advisor with 20 years of industry experience. He is currently affiliated with Cetera and has also worked with Allied Wealth Partners and Minnesota Life Insurance Co. Daniels holds roles as an agent/broker in fixed insurance sales through Allied Wealth Partners and Financial Focus Group LLC. 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 diverse portfolio management options and access to third-party money managers.

Nicholas Kayal is a financial advisor at Cetera with one year of industry experience. He holds the Series 66 designation and previously worked at Provident Bank and attended Princeton University. He is also active as a financial advisor with Financial Focus Group, providing financial services. Cetera Investment Advisers LLC is an SEC-registered firm that serves a wide range of clients including individuals, retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, combining discretionary and non-discretionary authorities and access to affiliated and third-party managers.

Roderick Carolan is a CFP® with 27 years of experience in the financial services industry. He is currently affiliated with Cetera and has previously worked with Allied Wealth Partners, Securian Financial Services, and Minnesota Life Insurance Co. Outside of his advisory role, he is a partner in Financial Focus Group LLC. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management and planning services, supporting a broad network of over 10,000 advisors and managing over $256 billion in assets.