Michael Messer is a financial advisor with Cetera who holds the ChFC® designation and Series 63 and 65 licenses, bringing 36 years of industry experience. He has held various roles in insurance and financial services firms and is co-owner of Evolve Financial Advisors. Messer has leadership responsibilities in several insurance agencies and financial management companies. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers diverse portfolio management and financial planning services through a large network of independent advisors and utilizes a multi-manager platform with a variety of program options and affiliated resources.

Stephen Gustman is a Series 66 registered advisor with Cetera who has 14 years of industry experience. He previously worked with Voya Financial Advisors from 2014 to 2021 before joining Cetera Wealth Services, LLC, and subsequently Cetera. Outside of his advisory role, he is involved as an independent insurance agent and serves as managing partner of a holding company focused on paperwork and accounting for DST acquisitions facilitating 1031 exchanges. Cetera Investment Advisers LLC distributes its services through a large nationwide network of independent advisors, serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of discretionary and non-discretionary portfolio management solutions, including access to third-party money managers and model portfolios.

Kody Klumb is a financial advisor with Cetera, holding a Series 66 designation and five years of industry experience. He has worked at Cetera and its affiliated entities since 2021 and previously at Voya Financial Advisors and Marinette Insurance. Outside of advising, Klumb is involved in insurance sales, focusing on life, health, disability, annuities, and long-term care products. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers, supported by a large network of over 10,000 advisors managing more than $256 billion in assets.

Kyle Klumb is a financial advisor with Cetera, holding a Series 66 designation and five years of industry experience. His career includes roles at Cetera Wealth Services, Voya Financial Advisors, and Marinette Insurance, where he has also been an insurance agent selling life, health, disability, annuities, and long-term care products. Klumb has experience in both insurance sales and financial advisory services. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a nationwide network of independent advisors and utilizes a multi-manager platform with access to affiliated and third-party money managers.