John Bennett is a financial advisor with Cetera who holds Series 63 and Series 66 designations and has 37 years of industry experience. He has been associated with Cetera and its affiliate Cetera Wealth Services since 2013. Bennett is also the CEO of Bennett, Mastin, Kosmak, Inc., where he is involved in business development, coaching, and support, and serves as president of Bennett Financial Group, Inc., providing financial consulting and mortgage referral services. Cetera Investment Advisers LLC is an SEC-registered adviser serving a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers diverse investment program options featuring both discretionary and non-discretionary management, with access to affiliated and third-party managers on a multi-manager platform.

Christine Zuck is a CFP® professional with 26 years of experience in financial services. She currently serves as a financial professional at Bar Financial Partners by Cetera and has previously worked at firms including LPL Financial, Frandsen Financial, and Investment Centers of America. Outside of her advisory role, she volunteers providing tax preparation and financial planning for low- and moderate-income individuals and participates on the advisory board of a startup company. Cetera Investment Advisers LLC is an SEC-registered firm that delivers investment advisory and financial planning services through a large network of independent advisors. The firm serves a diverse client base including individuals, retirement plans, and institutional accounts, offering a multi-manager platform with a range of portfolio management options and access to third-party money managers.

Josh Fussy is a financial professional with Cetera, holding a Series 66 designation and three years of industry experience. He has worked with several Cetera affiliates since 2022 and also holds a role as a client administrator at AdvisorNet Financial Partners. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, corporate, charitable, and institutional clients nationwide. The firm offers a wide range of portfolio management and retirement services through a multi-manager platform that includes both affiliated and third-party investment options.

Luke Hannahan is a financial professional with 14 years of industry experience, currently affiliated with Cetera. He holds Series 63 and Series 65 licenses and has worked at various firms including Advisornet Wealth Partners and American Heritage Group. His roles have included financial planning and investment advisory services. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base ranging from individuals to institutional accounts through a nationwide network of independent advisors. The firm offers a multi-manager platform with access to various portfolio management options and financial planning services.

Michael Hiniker is a financial advisor at Cetera with 26 years of industry experience. He holds Series 63, 65, and 66 licenses and has previously worked at E*TRADE Securities and various Advisornet entities. He is also an executive planner at Advisornet Financial Inc., where he provides financial planning and asset management services. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients. The firm offers portfolio management, financial planning, and retirement services through a multi-manager platform with discretionary and non-discretionary program options.

Michael Kosmak is a financial advisor with Cetera who holds a Series 66 designation and has 27 years of industry experience. He has been with Cetera Wealth Services since 1999 and currently co-owns Bennett, Mastin and Kosmak Inc., where he serves in management and training roles. Outside of finance, he is the owner and president of Langdon St. Consultants, a technology consulting firm. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser serving a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform that allows advisors to implement diverse investment strategies with discretionary and non-discretionary authorities.

Maxwell Opheim is a financial advisor with Cetera based in Minnetonka, MN, holding Series 63 and Series 65 credentials and seven years of industry experience. His career includes roles with Cetera Wealth Services, AdvisorNet Financial Partners, and Bar Financial Partners. Cetera Investment Advisers LLC is an SEC-registered advisor serving a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers.