Matthew Freeman is a CFA® charterholder with eight years of industry experience. He is currently with Cetera Wealth Services, LLC and Cetera, having joined in 2023, and he also maintains a role as a financial professional with Tax and Financial Group. His prior experience includes positions at Securian Financial Services Inc. and Minnesota Life Insurance Company. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and consulting services through a nationwide network of independent advisors, employing a multi-manager platform with access to both affiliated and third-party managers.

Neddie Bokosky is a financial advisor with Cetera in Newport Beach, CA, holding the CFP® designation and Series 63 and 65 licenses, with 36 years of industry experience. Prior to joining Cetera in 2023, he worked at Securian Financial Services and Minnesota Life for 33 years. He serves as a board member of the Project Kokoro Club of Orange County Buddhist Church, a senior outreach organization. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals across wealth levels, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Michael Gabrielian is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He previously worked at Securian Financial Services, Inc. and Minnesota Life for over three decades. Gabrielian serves as treasurer on the Brighton Shores Homeowners Association board and participates on the advisory board of Envirokinetics. Cetera Investment Advisers LLC is an SEC-registered firm with a nationwide network of over 10,000 advisors. The firm serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering a multi-manager platform with discretionary and non-discretionary portfolio management as well as financial planning and consulting services.

Cathy Fitzpatrick is a CFP® with 42 years of industry experience, currently serving as a financial professional at Cetera. She spent 33 years at Securian Financial Services and Minnesota Life before joining Cetera in 2023. Fitzpatrick is involved in community outreach as an advisory board member for WISE (Women Investing in Security and Education) and serves on the board and finance committees of the Girl Scouts of Orange County. Cetera Investment Advisers LLC is a large SEC-registered adviser that supports a nationwide network of independent advisors, serving individuals, employer-sponsored retirement plans, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary options.

Kenneth Petersen is a financial advisor with Cetera, holding the ChFC® designation and Series 63 and 65 licenses, and has 44 years of industry experience. Prior to joining Cetera in 2023, he worked for Securian Financial Services, Inc. for 36 years. He is involved as a beneficiary and trustee of charitable trusts and engages in life settlements as an agent and broker. Cetera Investment Advisers LLC serves a broad client base including individual investors, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform that includes discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers, with over $256 billion in assets under management and more than 10,000 advisors nationwide.

Paul Thomas Jr. is a financial advisor with Cetera, holding the CFP® and ChFC® designations and over 40 years of industry experience. He has worked at Cetera since 2023 and previously spent several decades with Securian Financial Services and Minnesota Life. In addition to his advisory role, he is involved in the sale of fixed insurance products. Cetera Investment Advisers LLC is a large SEC-registered firm serving a diverse client base that includes individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supported by more than 10,000 advisors and over $256 billion in assets under management.

Richard Schiendler is a financial advisor with Cetera, holding the ChFC® designation and a Series 63 license, and has 42 years of industry experience. He has worked at Cetera since 2023 and previously spent 28 years with Securian Financial Services, Inc., alongside longstanding involvement with Tax & Financial Group and Schiendler Insurance Services, Inc. He is also registered as an agent/broker for fixed insurance sales. Cetera Investment Advisers LLC is an SEC-registered adviser 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, operating as a multi-manager platform with access to various program structures, including model portfolios, third-party money managers, and bespoke strategies.

Kyle Wong is a financial advisor at Cetera with one year of industry experience. He holds a Series 66 credential and has prior work experience including roles at Cetera Wealth Services and as a full-time student. Outside the advisory business, Kyle owns and operates a jewelry resale business and a lifestyle and streetwear brand. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a variety of portfolio management options, financial planning, and consulting services through a nationwide network of over 10,000 advisors.

Sean Mccloskey is a financial advisor with Cetera in Newport Beach, CA, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has worked with several firms including Minnesota Life, Securian Financial Services Inc., and Tax and Financial Group, where he is currently CEO. Mccloskey also holds a role as an insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC 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 financial planning services through a multi-manager platform that supports both discretionary and non-discretionary investment programs.

Scott Petersen is a financial advisor at Cetera with 22 years of industry experience. He holds the ChFC® designation and the Series 66 license. Prior to joining Cetera in 2023, he worked with Securian Financial Services and Minnesota Life Insurance Co. for 14 years and has operated Tax and Financial Services since 2009. Petersen serves on the advisory board of the All-American Boys Chorus, a youth choir based in Southern California. 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 investment platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Dustin Slinkard is a financial advisor at Cetera with two years of industry experience. He holds a Series 66 designation and previously worked at Dabco Mechanical for 14 years. Outside of his advisory role, he operates an eBay business focused on online sales. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts, offering portfolio management, financial planning, and retirement services through a large network of independent advisors. The firm employs a multi-manager platform with various program structures and custodial relationships, managing over $256 billion in assets.

Gemma Snell is a financial professional with 23 years of industry experience, currently with Cetera. She holds Series 63 and Series 66 licenses and has worked at firms including Securian Financial Services, Inc. and Minnesota Life Insurance Company. In addition to her advisory role, she is active as an insurance agent selling fixed insurance products and operates under the financial services DBA Tax & Financial Group. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers multiple investment management options and financial planning services through a large network of independent advisors, managing over $256 billion in assets.

Mai Nguyen is a CFP®-certified financial advisor with 29 years of industry experience, currently affiliated with Cetera. Her prior experience includes roles at Securian Financial Services and Minnesota Life Insurance Co., spanning 15 years each, alongside operating her own financial services firm, Tax And Financial, for over 18 years. She serves as a volunteer board member and vice president of fundraising for the Fountain Valley Boys Basketball Booster Club. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform that includes model portfolios, third-party managers, and customized strategies.

Brian Freeman is a financial advisor at Cetera with over 40 years of industry experience. He holds the ChFC® designation and has held roles at multiple firms, including Securian Financial Services and Minnesota Life. In addition to advisory work, he is involved in several insurance-related businesses, including life settlements and fixed insurance sales. Cetera Investment Advisers LLC serves a broad client base ranging from individual investors to institutional accounts, offering portfolio management, financial planning, and retirement services through a multi-manager platform that includes both affiliated and third-party managers.

Taeyoon Kim is a financial advisor with Cetera based in Newport Beach, CA, holding Series 63 and Series 65 credentials and bringing 17 years of industry experience. He previously worked with Securian Financial Services and Minnesota Life Insurance Co. from 2009 to 2023 and owns Tax & Financial Group. Kim serves as an officer and board member of the Korean American Coalition San Diego. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a multi-manager platform offering discretionary and non-discretionary portfolio management alongside financial planning and consulting services.

Brandon Kepley is a financial advisor at Cetera with five years of industry experience. He holds a Series 66 designation and has worked at multiple firms including Tax & Financial Group and Securian Financial Services. Outside of advisory work, he has experience in fixed insurance sales. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and utilizes a multi-manager platform with discretionary and non-discretionary program options.

Erin Macneill is a CFP® professional with 22 years of experience in the financial services industry. She is currently with Cetera, where she has worked since 2023, and previously spent 19 years with Minnesota Life Insurance Company and Securian Financial Services. Erin is also involved with Tax & Financial Group, a financial services DBA. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a variety of portfolio management and financial planning services and operates a multi-manager platform with discretionary and non-discretionary program options.

Karen Flowers is a financial professional with 20 years of industry experience, currently affiliated with Cetera since 2023. She holds a Series 66 designation and has previously worked with Securian Financial Services and Tax And Financial. Outside of her advisory role, she is involved in a financial services business under the name Tax & Financial Group. 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 diversified portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party investment managers.

Seth Walston is a financial advisor at Cetera with three years of industry experience and holds a Series 66 designation. He previously worked at Securian Financial Services and Minnesota Life Insurance Company and has been involved with Tax & Financial Group since 2022. Outside of his advisory role, he has experience in fixed insurance sales. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers various portfolio management and financial planning services through a multi-manager platform that combines affiliated and third-party managers with multiple program options.

Andrew Obrien is a financial advisor at Cetera with 21 years of industry experience. He holds a Series 66 designation and has worked at Cetera and its affiliates since 2023. Prior to that, he held roles at Tax & Financial Group, Minnesota Life Insurance Company, and Securian Financial Services. Outside of advising, he is involved in fixed insurance sales as an agent and broker. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with discretionary and non-discretionary program options.

Daryl Tusa is a CFP® with 23 years of experience in the financial services industry, currently affiliated with Cetera since 2023. His prior roles include positions at Securian Financial Services, Inc and Minnesota Life Insurance Company, where he worked for 20 years. He is also involved with Tax & Financial Group, a financial services business he has operated since 2003. Cetera Investment Advisers LLC serves a broad client base, including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with both discretionary and non-discretionary strategies.

James Mccloskey is a financial advisor with Cetera, holding Series 63 and Series 65 designations and bringing 29 years of industry experience. He has worked at Cetera since 2023 and previously spent 27 years with Securian Financial Services Inc. and Minnesota Life Insurance Company. Outside of his advisory role, Mccloskey is president of the nonprofit We Care Make A Wish board and owns a fixed insurance sales business. Cetera Investment Advisers LLC serves individual, employer-sponsored, corporate, charitable, and institutional clients nationwide through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Sebastian Hong is a financial advisor with Cetera in Newport Beach, CA, holding a Series 66 designation and four years of industry experience. Prior to joining Cetera and Cetera Wealth Services in 2023, he worked at Tax & Financial Group and Securian Financial Services Inc. He maintains a financial professional role with Tax & Financial Group. 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 a range of portfolio management and consulting services delivered through a nationwide network of independent advisors.

Brian Mcnulty is a financial advisor with Cetera, holding the ChFC® designation and Series 63 license, and has 46 years of industry experience. He has worked at Cetera since 2023 and previously held roles at Securian Financial Services Inc., Minnesota Life Insurance Co., and operates independently through his own financial services business, Tax & Financial Group. He is also involved in fixed insurance sales as a self-employed contractor. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, and institutional clients nationwide. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, supporting discretionary and non-discretionary accounts with access to affiliated and third-party managers.

Jonathan Stouffer is a financial advisor with Cetera and holds a Series 66 designation. He has 25 years of industry experience, including roles at Securian Financial Services and Minnesota Life Insurance Company. He operates a financial services business under the name Tax and Financial Group. Cetera Investment Advisers LLC is an SEC-registered adviser 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 financial planning services through a multi-manager platform with access to affiliated and third-party investment managers.

Sarah Stouffer is a CFP® with 28 years of experience in the financial services industry. She is currently with Cetera, where she has worked since 2023, and has prior experience with Tax & Financial Group and Minnesota Life Insurance Company. Outside of advising, she has worked as a fixed insurance salesperson. Cetera Investment Advisers LLC provides services through a large nationwide network of independent advisors, serving individuals, retirement plans, corporate and charitable clients, as well as institutional accounts. The firm offers a range of portfolio management and financial planning services across multiple program structures and custodial relationships.

Nicholas Lasater is a financial advisor with Cetera, holding a Series 66 designation and 14 years of industry experience. His career includes roles at Minnesota Life Insurance Company and Securian Financial Services Inc. He serves as a director of Club La Mision, a private hunting club, and as a director for the Doyle Springs Association homeowners association. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers diverse portfolio management and financial planning services through a multi-manager platform, managing over $256 billion in assets.

Justin Hess is a financial advisor at Cetera with a Series 66 credential and four years of industry experience. His prior work includes roles at Tax & Financial Group, Securian Financial Services, and Minnesota Life Insurance Company. He has been involved in fixed insurance sales alongside his advisory duties. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a range of portfolio management and consulting services with a multi-manager platform supporting various investment strategies and program structures.

Kevin O Toole is a financial professional with three years of industry experience, currently affiliated with Cetera. He holds a Series 66 designation and has worked at several firms including Cetera Wealth Services, Tax & Financial Group, and Securian Financial Services Inc. Outside of his advisory role, he is involved with Tax & Financial Group, a financial services business operating as a DBA. 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 a variety of portfolio management and retirement services, supported by over 10,000 advisors managing more than $256 billion in assets.

Bradley Behrendt is a financial advisor with Cetera in Newport Beach, CA, holding a Series 66 designation and 24 years of industry experience. His prior work includes over two decades at Securian Financial Services and Minnesota Life Insurance Company. He is also the owner of Alpo 1950 LLC, a family investment account. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, operating with more than 10,000 advisors nationwide.

Anthony Hovorka is a CFP® and ChFC® with 23 years of experience in the financial services industry. He is currently affiliated with Cetera and has prior experience at Minnesota Life Insurance Company and Securian Financial Services. Outside of advisory work, he owns Heartland Pacific Group and Hovorka Consulting LLC, and also sells fixed insurance products. Cetera Investment Advisers LLC operates a large nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party managers.