Mark Black is a CFP® with 32 years of experience in the financial services industry, currently serving with Cetera. His prior experience includes roles at Cambridge Investment Research Advisors and First Allied Securities. Outside of advising, he is a part owner of Emblem Records, LLC, a music and record company, and serves as president of Miami Valley Network Professionals, a business networking organization. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors, providing services to individuals across wealth levels, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning solutions and operates a multi-manager platform that includes model portfolios, third-party managers, and bespoke strategies.

John Cravens is a financial advisor with Cetera in Springfield, IL, holding Series 63 and Series 65 credentials and possessing 26 years of industry experience. He has been with Cetera since 2003 and also has extensive prior experience at PEHLMAN & DOLD. Outside of advising, he owns and operates CPA and tax consulting businesses and serves as treasurer for a local water sales cooperative. Cetera Investment Advisers LLC provides services through a large nationwide network of independent advisors, serving individuals, retirement plans, corporations, charities, and institutional clients. The firm offers a range of portfolio management and financial planning services, utilizing multi-manager platforms and a variety of program structures.

Jamie Nichols is a financial advisor at Cetera with 18 years of industry experience. He holds a Series 66 designation and previously spent 21 years at Pehlman & Dold, P.C. In addition to his advisory role, he owns and operates Jamie L. Nichols CPA, LLC, a tax and accounting firm providing tax returns and bookkeeping services. Cetera Investment Advisers LLC is a large SEC-registered firm serving a broad range of clients including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers.