David Harlow is a Series 66 licensed financial advisor with 15 years of industry experience, currently working at Cetera Investment Services LLC since 2025. His prior roles include positions at CUSO Financial Services, LP and SSN Advisory, Inc. Outside of his advising career, he has been involved with Smoky Mountain Guides. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with access to affiliated and third-party managers, providing a range of portfolio management and financial planning services through various program structures.

Christopher Ouimet is a financial advisor with Cetera, holding Series 63 and Series 66 designations and 12 years of industry experience. He has worked with various Cetera entities since 2019 and was previously associated with Foresters Financial Services. Cetera Investment Advisers LLC serves a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers through a multi-manager platform with diverse investment program options.

Laura Decker is a CFP® professional with 19 years of industry experience, currently with Cetera since 2019. Her prior experience includes roles at Foresters Advisory Services, Foresters Financial Services, and managing her own LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients nationwide. The firm offers a range of portfolio management and retirement services through a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Jason Theisen is a financial advisor with Cetera in San Diego, CA, holding Series 66 and Series 63 designations with 11 years of industry experience. His prior roles include positions at Truuwater Financial, Stratos Wealth Partners, and Ibis Capital. He is also registered as Practice Operations Coordinator for Pushpin Financial, a Cetera business. Cetera Investment Advisers LLC serves individual, retirement plan, 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 varied program options and custodial relationships.

Owen Stiefvater is a financial advisor at Cetera with a Series 66 designation and one year of industry experience. His prior roles include positions at Dudm Real Estate Group and ongoing involvement with the San Diego Symphony. 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 various portfolio management and consulting services through a multi-manager platform, supporting discretionary and non-discretionary strategies across diverse program structures.

Charles Kraft III is a financial advisor at Cetera with 33 years of industry experience. He holds Series 63 and Series 66 designations and has worked previously at Wells Fargo Clearing and Credit Suisse Securities (USA) LLC. He is also the owner of Kraft Wealth Management, a business operating under the Cetera umbrella. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored 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 third-party money managers, managing over $256 billion in assets through a network of more than 10,000 advisors.

Jacob Bentley is a financial advisor with Cetera Investment Advisors LLC, holding Series 63 and Series 65 credentials and one year of industry experience. Prior to joining Cetera in 2026, he worked for Axos Invest and has been involved with organizations including the South American Jewish American Community and Hillel International. Cetera Investment Advisers LLC is an SEC-registered firm that serves 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 options and advisory services delivered through a large nationwide network of independent advisors.

Julia Farag is a CFP® and Series 66 licensed financial advisor with one year of industry experience. She is currently with Cetera and previously worked at Fonte Financial Advisors for three years. Outside of her advisory role, she serves as Vice President of the nonprofit board for Kai Elua Outrigger Canoe Club. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various program options, including discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Marcus Fitzpatrick is a financial advisor at Cetera with 13 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Cetera and its related entities since 2019. Prior to that, he worked at Foresters Financial Services and Foresters Advisory Services LLC. Outside of his advisory role, he is involved in coaching soccer, including training players and managing teams. Cetera Investment Advisers LLC is an SEC-registered firm serving individual clients, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers, supporting over 10,000 advisors and managing more than $256 billion in assets.

Dylan Devin is a financial advisor at Cetera with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cetera since 2019. Prior to that, he was with Foresters Financial Services and has experience with MGM Resorts International and Aztec Shops. Cetera Investment Advisers LLC is an SEC-registered firm serving 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 services across various program structures.

Nicholas Remer is a CFP® professional with 10 years of industry experience, currently serving at Cetera since 2019. He previously worked at Foresters Advisory Services LLC and Foresters Financial Services. Outside of his advisory role, he owns and operates Remer Filmmaking and serves as president of the Canyonview Homeowners Association board. Cetera Investment Advisers LLC is an SEC-registered firm offering a range of portfolio management, financial planning, and retirement services to individual, corporate, charitable, and institutional clients. The firm supports a multi-manager platform with various program structures and serves over 800,000 clients through more than 10,000 advisors.

Ia Phan Jones is a financial advisor with Cetera in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. Prior to joining Cetera in 2020, Jones worked at Wells Fargo Clearing, Merrill, and Morgan Stanley. Outside of advising, Jones is involved with the PTA at Hearst Elementary School. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform that includes both affiliated and third-party investment models.

Jessica Hardy is a financial advisor at Cetera with 21 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Cetera since 2019, following prior roles at Foresters Financial Services and Foresters Advisory Services. Outside of her advisory work, she serves as the 2nd Vice President of Education for Curie Elementary PTA and volunteers with the PTA Garden Club. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, supported by a nationwide network of over 10,000 advisors.

Andrew Mangel is a financial advisor with Cetera, holding a Series 66 designation and three years of industry experience. He previously worked at Northwestern Mutual in investment services and life insurance. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individual clients, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a large nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform that includes model portfolios, third-party managers, and bespoke strategies.

Cheryl Cousino is a CFP® with 29 years of industry experience, currently advising at Cetera since 2019. She previously worked at Foresters Financial Services and Foresters Advisory Services. She serves as the Women's Initiative Chair for the Financial Planning Association San Diego chapter and volunteers with the National Charity League. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, corporate, and institutional clients nationwide, offering diverse portfolio management and financial planning services through a multi-manager platform.

Gregory Reynolds is a financial advisor with Cetera in San Diego, CA, holding Series 63 and Series 65 credentials and 17 years of industry experience. He has worked at Cetera since 2019 and previously spent six years with Foresters Advisory Services. Outside of his advisory work, he serves as an executor of an estate. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of over 10,000 advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform featuring affiliated and third-party strategies.