Naples, FL Office

Joseph Kula is a financial advisor with Cetera who holds a Series 63 designation and has 37 years of industry experience. He has worked with Cetera since 1988 and also operates Joseph L. Kula, CPA, offering accounting and tax services including tax planning and business valuation. Additionally, he is involved in selling fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm provides a range of portfolio management and financial planning services through a large network of independent advisors and offers multiple program options with both discretionary and non-discretionary authorities.

Thomas Burton III is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 34 years of industry experience. He has worked with Cetera Investment Advisers LLC since 2024 and Cetera Advisors LLC since 2019, in addition to roles at Megent Financial and prior self-employment dating back to 1972. Burton is also the owner of Burton Financial Group LLC and engages in fixed insurance sales involving life, health, and disability insurance. Cetera Investment Advisers LLC is an SEC-registered advisor serving a diverse 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 and financial planning services, supporting a network of over 10,000 advisors and managing more than $256 billion in assets.

Stephen Lawler is a financial advisor with Cetera, holding the ChFC® designation and over 42 years of industry experience. He has been affiliated with Cetera since 2020 and has also owned and operated his own financial services businesses, including Stephen Lawler & Associates and Lawler Financial. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base, including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and consulting services through a large nationwide network of independent advisors.

Terry Mccullough is a financial advisor with Cetera, holding a Series 66 credential and 26 years of industry experience. He has been with Cetera and its affiliated entities since 1999 and operates Mccullough and Associates LLC, providing tax, audit, and management advisory services. He serves as chairman of the board of Old Missouri Bank/JamesMark Bancshares and treasurer of the Old Naples Association, a homeowners association. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through multiple program structures, with assets under management exceeding $256 billion.

Frederick Driscoll is a financial advisor with Cetera, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 48 years of experience in the financial services industry, with prior roles at VOYA Financial Advisors and ownership of Driscoll Financial Group. Driscoll also operates as an independent insurance agent. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients, offering a multi-manager platform with access to various portfolio management strategies and third-party money managers.

Richard Bernstein is a financial advisor with Cetera, holding a Series 63 designation and 46 years of industry experience. He has worked at Cetera since 2025, previously serving at LPL Financial and Raymond James & Associates. Bernstein is also involved with Totus Wealth Management as a financial advisor and serves as managing director at Harbor Investment Management. Cetera Investment Advisers LLC is an SEC-registered firm that offers a range of investment advisory and financial planning services to individuals, retirement plans, corporate and charitable clients, and institutions. The firm provides access to multiple investment platforms, including model portfolios, third-party managers, and customized strategies, supported by a nationwide network of over 10,000 advisors.

Dean Packard is a CFP® with over 41 years of experience in the financial services industry. He is currently affiliated with Cetera and has a background that includes 16 years at Merrill and 12 years at Bank of America. In addition to his advisory role, he owns Whiskey Pickle LLC, a pickleball league franchise. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes model portfolios, third-party managers, and customized strategies.

Jeffrey Freeman is a CFP® with 23 years of industry experience, currently affiliated with Cetera. He has an extensive background in tax preparation and wealth management, having been an owner and operator of Craun Freeman Tax & Wealth Management since 2000. Freeman has also been involved in managing a charitable foundation and coordinating marketing efforts for a multi-advisor wealth management entity. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, and institutional accounts, offering a range of portfolio management and financial planning services through a nationwide network of independent advisors.

John Ferry is a financial advisor with Cetera who holds a Series 66 designation and has 18 years of industry experience. He has worked with several firms, including First Allied Advisory Services and Cetera Advisors. Outside of his advisory role, Ferry volunteers with a nonprofit organization and serves as treasurer for a homeowners association. Cetera Investment Advisers LLC distributes its services through a large nationwide network of independent advisors and serves individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Edward Harkins is a financial advisor at Cetera with 34 years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including Cetera and First Allied Advisory Services. Harkins is also involved with Hunter Financial Advisors, Inc., where he serves as an advisor. 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 various portfolio management options and access to third-party money managers, supporting over 10,000 advisors and $256 billion in assets under management.

Kenneth Silverman is a financial advisor at Cetera with 32 years of industry experience. He holds Series 63 and Series 65 licenses and operates a law office specializing in legal and tax planning, including real estate, trust and estates, and business law. Prior to Cetera, he worked at UBS Financial Services and manages his own investment and insurance advisory firm, Four Financial Group. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving a broad client base, including individuals, retirement plans, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Michael Gieseke is a financial advisor at Cetera with 37 years of industry experience. He holds Series 63 and Series 66 licenses. His prior roles include positions at Foresters Advisory Services LLC and Foresters Financial. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with access to affiliated and third-party managers.

Michael Tracy is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and bringing 40 years of industry experience. Before joining Cetera in 2025, he worked at Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. for eight years and has been president of Tracy Wealth Management dba One Wealth since 2014. He also sells fixed insurance products as an insurance agent. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of discretionary and non-discretionary portfolio management options and access to third-party money managers.

Philip Camerlengo is a financial advisor at Cetera with 24 years of industry experience and holds a Series 66 designation. He previously worked at Avantax Advisory Services and Avantax Investment Services for over two decades. He is also involved in Camerlengo Financial Services, a client-focused practice providing retirement planning, college funding, legacy planning, and wealth management. Additionally, Camerlengo is a minority limited partner in a residential real estate investment partnership in Atlanta. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, employer-sponsored retirement, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a variety of portfolio management and financial planning services and operates a multi-manager platform with access to both affiliated and unaffiliated investment managers.

Megan Rodriguez is a financial advisor at Cetera with 15 years of industry experience. She holds the Series 63 and Series 65 designations and has worked with Cetera and its affiliated firms since 2019, following prior roles at Foresters Advisory Services and Foresters Financial. Additionally, she serves as trustee of the Rodriguez Family Irrevocable Trust. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers portfolio management, financial planning, and retirement services through a multi-manager platform with various program structures and access to third-party managers.