Francisco Baguer is a financial advisor with Cetera holding a Series 65 credential and 42 years of industry experience. His work history includes tenure at VOYA Financial Advisors and InsurAmerica, as well as self-employment since 1984. He is also an independent insurance agent focused on fixed insurance products. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services with multiple program structures and access to both affiliated and third-party money managers.

Frank Acosta is a CFP®-designated financial advisor with 40 years of industry experience, currently affiliated with Cetera. His career includes roles at VOYA Financial Advisors and ownership of Frank M. Acosta & Associates since 1991. Outside of advising, he is a managing partner of Lung Trainers LLC, a company involved in developing a lung training device. Cetera Investment Advisers LLC serves 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 services, supporting both discretionary and non-discretionary account structures.