Alexander Dinser is a CFP®, ChFC® professional with 19 years of industry experience. He is currently with Cetera and has held roles at Cetera Wealth Services, Horizon Advisers, and Voya Financial Advisors. Dinser is the owner of Dinser Financial Group and Horizon Advisers, which includes an educational platform called Horizon Adviser University. He also serves on the finance council of St. Mary Catholic Church in Royal Oak, MI. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of investment management and advisory services through a multi-manager platform that includes discretionary and non-discretionary strategies with access to affiliated and third-party managers.

Scott Efrusy is a financial advisor at Cetera with three years of industry experience. He holds the Series 66 designation and has worked in various roles at Cetera and Horizon Advisers since 2021. Outside of advisory work, he is the owner of Efrusy Financial Group LLC, focusing on expense management, and also works as an insurance agent selling life, health, disability, annuities, and long-term care products. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers portfolio management, financial planning, and retirement services across multiple program platforms, with over $256 billion in assets under management and more than 10,000 advisors.

Bradley Spindler is a financial advisor with Cetera, holding the Series 66 credential and three years of industry experience. His prior roles include positions with True North Capital Management LLC and Horizon Advisers. Outside of his advisory work, he is also involved as an insurance agent selling life, health, disability, annuities, and long-term care products. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large nationwide network of independent advisors serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services using multiple program structures and model portfolios, with over $256 billion in assets under management and more than 10,000 advisors.

John Schuch is a financial advisor at Cetera with 12 years of industry experience and holds a Series 66 credential. His work history includes roles at Voya Financial Advisors, Inc. and J.J. Astor Financial. Outside of his advisory work, he is a sailing instructor at Bayview Yacht Club, teaching basic sailing on Lake St. Clair and the Detroit River. Cetera serves a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers various portfolio management and financial planning services through a multi-manager platform that provides access to affiliated and unaffiliated third-party managers and a range of program options.

Matthew Kreager is a financial advisor with Cetera, holding a Series 66 designation and 11 years of industry experience. He previously worked at VOYA Financial Advisors and Horizon Wealth Management. Kreager is also the owner and president of All City Financial, Inc., an S corporation focused on expense management, and serves as Director of Financial Planning for Horizon Advisers, which includes an educational component called Horizon Adviser University. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform, providing access to various investment strategies and custodial arrangements.

Thomas Bellos II is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 20 years of industry experience. He has worked at Cetera since 2021 and previously at VOYA Financial Advisors from 2014 to 2021. Bellos is involved with the nonprofit organization Empty Bowls Detroit, participating in planning and event preparation. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Christopher Roberts is a financial advisor at Cetera with 34 years of industry experience. He holds the ChFC® designation and Series 63 license. His prior experience includes roles at VOYA Financial Advisors and Somerset Financial Group. Roberts is a senior partner at Horizon Advisers, where he is involved in financial education through Horizon Adviser University. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers multiple investment and financial planning services through a multi-manager platform with access to various model portfolios and third-party managers.

Louis Messina is a financial advisor with Cetera who holds the CFP® designation and Series 65 and 63 licenses, with nine years of industry experience. He has worked at Cetera since 2021 and previously held roles at Voya Financial Advisors and Baron Wealth Management. Outside of his advisory work, Messina is involved in educational content development through Horizon Adviser University and owns Messina Financial Group LLC, which provides expense management and accounting services. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors, serving individual, corporate, and institutional clients. The firm offers a range of portfolio management and retirement services through a multi-manager platform featuring both affiliated and third-party managers.

Mackenzie Mertz is a financial advisor with Cetera, holding a Series 66 designation and one year of industry experience. She is also involved in coaching volleyball, serving as lead trainer and tournament director for The Victors Volleyball Club LLC and as an assistant volleyball coach at the University of Michigan - Dearborn. Outside of advising, she works at Fern Hill Golf Club in a customer service role. Cetera Investment Advisers LLC is an SEC-registered firm supporting a large network of independent advisors, serving a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with options spanning automated allocations to customized strategies.

Lori Oancea is a financial advisor with Cetera, holding Series 66 and Series 63 designations and possessing 19 years of industry experience. Her prior roles include positions at Voya Financial Advisor, MassMutual, and Signator/JHFN SII. Outside of her advisory work, she serves as Director of Financial Planning for the Certified Financial Planner program at Oakland University and maintains a limited law practice focused on estate planning and probate through Horizon Legal Services, PLLC. Cetera Investment Advisers LLC is an SEC-registered advisor serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers across various program structures.

Alexander Garrett is a financial advisor at Cetera with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with firms including Voya Financial Advisors and Ohio National Financial Services. Garrett is also co-owner of Horizon Wealth Management, a financial services firm involved in insurance and investment services. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party investment managers.

Ryan Kus is a financial advisor with Cetera, holding Series 65 and Series 63 credentials and 19 years of industry experience. He has worked with Cetera and its affiliated entities since 2021 and previously served at Voya Financial Advisors. Kus is president of Horizon Advisers, a firm that provides financial services and educational content through Horizon Adviser University, and he is involved in the sale of fixed insurance products through independent agencies he leads. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various discretionary and non-discretionary portfolio management options, including model portfolios, third-party managers, and customized strategies, supported by a nationwide network of over 10,000 advisors.