Kelly Lent Paul is a financial advisor at Cetera with 28 years of industry experience. She holds the CFP® and ChFC® designations, and has worked in financial services since 1994, including roles with Fox Financial and Avantax Advisory Services. Outside of advising, she provides training to other professionals and is involved in financial education. 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 that allows advisors to implement a range of portfolio strategies and provides access to both affiliated and third-party money managers.

Stephanie Aloi is a financial advisor with Cetera who holds a Series 63 designation and has eight years of industry experience. Her work history includes roles at Cetera Wealth Services, Avantax Insurance Agency, Fox Financial, and Howden North America. Outside of financial advising, she is involved in tax preparation and bookkeeping through Fox Holdings, Inc. dba H&R Block, and serves as a trustee for a family friend. Cetera Investment Advisers LLC is an SEC-registered firm serving 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 managers and program structures.

Kaden Moyer is a CFP® professional with two years of industry experience, currently advising at Cetera in Olean, NY. His prior experience includes roles at Cetera Wealth Services, LLC, Fox Financial, and H & R Block. Outside of financial services, he has been involved with J-Allen's Bar and Grill since 2023. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a large network of independent advisors and employs a multi-manager platform with access to both affiliated and third-party investment strategies.

Deborah Jackson is a CFP® certificant with nine years of industry experience, currently affiliated with Cetera. She has held roles at multiple firms including Avantax and Fox Financial, and manages a tax preparation office alongside her advisory work. Jackson also sells fixed insurance products such as life, health, disability, annuities, and long-term care insurance. Cetera Investment Advisers LLC is a large nationwide network serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers varied portfolio management and financial planning services, employing a multi-manager platform with discretionary and non-discretionary program options.

Paula Derwick is a CFP® professional with 36 years of industry experience, currently serving as a financial advisor at Cetera. Her career includes long-term roles at Fox Holdings, Inc. dba H&R Block and Fox Financial Services, where she has acted as president and shareholder since 1998. She is involved in various community and nonprofit organizations, including board memberships at the Hope Center, Christ United Methodist Church, and the Neighborhood Museum of Play. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with diverse portfolio management options, including third-party money managers and bespoke strategies, supporting both discretionary and non-discretionary accounts.

Teresa Barie is a CFP® professional with 32 years of industry experience, currently affiliated with Cetera. She has held roles at multiple firms, including Avantax Advisory Services and Fox Financial, where she has worked for over 28 years. In addition to her advisory work, she manages tax preparation, bookkeeping, and payroll services as an office manager and vice president at Fox Holdings, Inc., which operates H&R Block and Fox Financial Services. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a wide range of clients, including individuals, retirement plans, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform, providing access to both affiliated and third-party investment managers.

Scott Derwick is a CFP®-credentialed financial advisor with 27 years of industry experience, currently with Cetera. His career includes roles at Avantax and Fox Financial, along with work as a business and management consultant. Outside of advising, he is involved in managing a golf simulator business and serves on several local boards, including as vice president of Bartlett Country Club and as a board member of the Olean Schools Foundation. 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 diverse portfolio management options, combining discretionary and non-discretionary strategies and access to affiliated and unaffiliated third-party managers.