Sarah Holmes is a financial advisor at Cetera with 16 years of industry experience and holds a Series 66 designation. She has worked with Cetera and its affiliates since 2013 and is also the owner of Smith & Company Financial Services. Outside of her advisory work, Holmes serves as treasurer for Hemlock Youth Baseball and Softball, managing the organization's finances. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual clients, employer-sponsored retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, combining affiliated and third-party managers to tailor investment solutions.

Donald Smith is a ChFC® with 49 years of experience in the financial industry. He is currently with Cetera and has been associated with Cetera Advisors LLC since 2013 and Smith & Company Financial Services since 1995. Outside of his advisory work, he owns and operates a farming business in Michigan. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, employer-sponsored, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a variety of portfolio management, financial planning, and retirement services, with access to both affiliated and third-party managers across multiple program structures.