Michael Gasperi is a financial advisor at Cetera Planning Partners with 29 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Avantax Investment Services, ProEquities, Inc., and Honkamp Krueger Financial Services Inc., where he also serves as a wholesaler to CPA representatives. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees by providing investment management, financial planning, Social Security optimization, and retirement advice. The firm offers additional services such as tax planning, bookkeeping, payroll support, and estate planning through a third-party provider, utilizing a diversified investment approach tailored to clients’ objectives and risk tolerances.

Patrick Owens is a financial advisor with Cetera Planning Partners in Des Moines, IA, holding Series 63 and Series 65 licenses and 11 years of industry experience. His prior roles include positions at Wells Fargo Advisors, DV Financial, and various Avantax entities. Cetera Planning Partners serves individual and high-net-worth clients, particularly pre-retirees and retirees, offering investment management, comprehensive financial planning, Social Security optimization, and retirement advice. The firm integrates a diversified investment approach with ancillary services such as tax planning, bookkeeping, payroll support, and estate planning through third-party providers.