Robert Reed is a financial advisor with Cetera, holding a Series 63 designation and over 43 years of industry experience. He has worked with Cetera and its affiliates since 2019 and previously spent nearly three decades at North Ridge Securities Corp. He is also the owner of Manchester Financial, where he manages firm operations and serves as a financial advisor. Cetera Investment Advisers LLC is an SEC-registered adviser that offers portfolio management, financial planning, and retirement services through a nationwide network of over 10,000 independent advisors. The firm serves a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts, and provides access to multiple investment program options and third-party managers.

John Cerulli is a financial advisor at Cetera with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at firms including JPMorgan Chase Bank, J.P. Morgan Securities, LPL Financial, and Jovia Financial Credit Union. Cerulli is also the owner of JCJr trd llc, a business unrelated to his primary advisory role. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform, providing advisors with access to various model portfolios and investment programs.

Stefan Kaplan is a financial advisor with Cetera, holding a Series 63 designation and over 33 years of industry experience. He has worked at Cetera and its affiliated entities since 2017, as well as at MetLife Securities from 2011 to 2017. Outside of his advisory role, he is involved in life insurance sales as an insurance agent. 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 and consulting services, supporting both discretionary and non-discretionary account structures.

Rachel Heege Abode is a financial advisor at Cetera with 22 years of industry experience. She holds Series 65 and Series 66 licenses and has previously worked at B. Riley Wealth Advisors, National Securities Corporation, and Gilman & Ciocia. Outside of her advisory role, she is also licensed as an insurance agent specializing in life, disability, annuities, and long-term care products. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers portfolio management, financial planning, and retirement services through a multi-manager platform that includes affiliated and third-party managers, supporting various program structures and custodial arrangements.

Jeffrey Lewis is a CFP® and ChFC® with 35 years of industry experience. He is currently with Cetera and has held advisory roles at Planning Financial Futures, Inc. since 1995 and North Ridge Securities Corp. from 2014 to 2019. He is also the owner and CEO of CFP4Hire.com, a platform offering on-demand educational webinars focused on major life changes and financial planning. Cetera Investment Advisers LLC serves a wide range of clients including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm provides discretionary and non-discretionary portfolio management, financial planning, and access to a multi-manager platform featuring both affiliated and third-party managers.

Matthew Ludack is a financial advisor with Cetera, holding a Series 66 designation and 18 years of industry experience. His career includes roles at Wells Fargo and TD Ameritrade. He is also an operations associate at North Ridge Wealth Planning LLC, where he manages back-office operations and processing. Cetera Investment Advisers LLC is a nationwide firm serving individual, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with diverse portfolio management options, combining discretionary and non-discretionary services across various program structures.

Louis Levy is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 10 years of industry experience. He has held leadership roles including Chief Executive Officer of North Ridge Wealth Planning LLC and President & CEO of North Ridge Insurance Services LLC. His experience also includes work at North Ridge Insurance Services and Cetera Wealth Services. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and consulting services through a multi-manager platform supported by over 10,000 advisors nationwide.

Sandra Grinspan is a CFP® with 35 years of industry experience currently serving as a financial advisor at Cetera. She previously worked at North Ridge Securities Corp. for over two decades and has maintained ownership of S.J. Grinspan & Co., Inc., an insurance sales business, since 2001. Grinspan is also active as an insurance agent selling life, annuities, and long-term care products. Cetera Investment Advisers LLC operates a large nationwide network of independent advisors, serving a diverse client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a broad range of portfolio management and financial planning services, utilizing a multi-manager platform with access to affiliated and third-party investment strategies.

Carmine Anzalone Jr. is a financial advisor at Cetera with over 56 years of industry experience. He holds a Series 63 designation and has worked at Cetera and its affiliates since 2010, as well as owning and presiding over CPA Investors Planning Group, Inc. since 1980. Outside of his advisory role, he is involved in selling life insurance and annuities. Cetera Investment Advisers LLC serves a broad client base including individual investors, retirement plans, and institutional accounts through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing both affiliated and third-party managers across multiple program structures.

Samuel Moss is a financial advisor at Cetera with 45 years of industry experience. He holds Series 63, 65, and 66 licenses and has worked previously at North Ridge Securities Corp. and 4M Capital Services, LLC, where he serves as owner and president. Outside of advisory roles, he is involved in fixed insurance sales, including life, health, disability, and long-term care insurance. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform allowing advisors to implement various portfolio management strategies with discretionary and non-discretionary options, supporting more than 10,000 advisors and overseeing over $256 billion in assets.

Wayne Landau is a financial advisor at Cetera with 25 years of industry experience. He holds a Series 63 designation and has previously worked at North Ridge Securities Corp and Cetera Wealth Services, LLC. Outside of his advisory role, he owns and operates an accounting firm specializing in tax advisory and forensic accounting services. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning solutions, operating through a nationwide network of over 10,000 advisors.

Joseph Breakstone is a financial advisor at Cetera with 14 years of industry experience. He holds the Series 63 and Series 65 licenses and has worked at firms including Lincoln Financial Advisors and North Ridge Wealth Planning, where he serves as Operations Principal. Breakstone has been with Cetera since 2022. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers various portfolio management and retirement services using a multi-manager platform that includes affiliated and third-party managers, with more than $256 billion in assets under management.

Joseph Clinard Jr. is a financial advisor at Cetera with 56 years of industry experience. He holds the Series 63 and Series 65 designations. His work history includes long-term roles at North Shore Capital Management Corp. and North Ridge Securities Corp., and he also serves as an advisor for North Ridge Wealth Planning LLC. Cetera Investment Advisers LLC is an SEC-registered firm that provides a broad range of services to individuals, retirement plans, corporate and charitable clients, and institutions. The firm operates a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers across various program structures.

Joann Semeraro is a CFP® with 39 years of experience in the financial industry. She is currently with Cetera and has previously worked at North Ridge Securities Corp. from 1997 to 2019. Semeraro is also a trustee of a family trust. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers portfolio management, financial planning, retirement services, and access to third-party managers through a multi-manager platform with over 10,000 advisors nationwide.