Tracy Piontkowski is a financial advisor at Cetera with 37 years of industry experience. She holds the ChFC® and Series 63 credentials. Her prior roles include positions at Equitable Reserve Association, VOYA Financial Advisors, and Cetera Wealth Services, LLC. She is also an independent insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC is a large SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and planning services through a multi-manager platform with access to both affiliated and third-party managers.

William Rupnick is a financial advisor at Cetera with 41 years of industry experience. He holds the ChFC® designation and Series 63 license. His prior experience includes roles at VOYA Financial Advisors and Cetera Wealth Services, LLC. He also operates an independent insurance agency under the name William Rupnick and Associates. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and consulting services delivered through a large network of advisors.