Michael Ramer is a financial associate with Cetera and holds a Series 66 designation. He has one year of industry experience, including roles at Cetera Advisors and Balanced Financial Concepts. Outside of his advisory work, he has experience assisting with client data gathering and note-taking during client meetings. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, and institutional accounts. The firm provides a variety of portfolio management and financial planning services through a multi-manager platform that offers model portfolios, third-party managers, and customized strategies.

Caroline Aarons is a financial professional with two years of industry experience, currently affiliated with Cetera. She holds the Series 66 designation and has worked with Cetera Advisors LLC since 2018. Aarons is also involved with Balanced Financial Concepts, a financial services business operating as a DBA for insurance services. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a nationwide network of independent advisors, utilizing multiple program structures and investment strategies.

Gautam Pai is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 17 years of industry experience. He has been associated with Cetera and Cetera Advisors LLC since 2013. Outside of advising, he is involved as a founding board member and finance committee member of The Joishy-Pai Sezary Syndrome Society, a nonprofit organization. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored 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 with access to both affiliated and third-party managers.