Ronald Anthony is the principal advisor at Atlantic Advisors, Inc. in Milford, Delaware. He holds Series 63 and Series 65 licenses and has 31 years of experience with Atlantic Advisors, a firm he has been with since 1995. Atlantic Advisors is an independent, fee-based investment adviser specializing in retirement-focused portfolios for individual clients, primarily serving current and retired public school employees in Maryland, along with business owners and health care professionals. The firm manages portfolios in-house on a discretionary basis, emphasizing risk management and long-term objectives through low-cost mutual funds and sector diversification.

Arjun Goel is a financial advisor with Cagr Finance LLC, holding a Series 65 designation and over eight years of industry experience. He previously worked at Evolution Finance Inc. and the Smith School of Business before joining Cagr Finance. Cagr Finance LLC is a newly registered SEC investment adviser that provides automated, discretionary asset management and standalone research tools through an interactive website. The firm serves individual and high-net-worth investors by offering model portfolios and portfolio integration tools, using a long-term, value-oriented investment approach implemented through proprietary quantitative and fundamental models.

Douglas Root is a financial advisor at Clarity Financial Advisors LLC with five years of industry experience. He holds a Series 66 designation and previously worked at Cambridge Investment Research Advisors, Inc., Cambridge Investment Research, Inc., and Pruco Securities LLC. Outside of his advisory role, he has served as IT manager and administrator at Greenwood Mennonite School and has worked as a delivery driver for ChoiceBooks. Clarity Financial Advisors provides discretionary investment management, financial planning, and consulting services to individuals, high-net-worth clients, trusts, estates, and small businesses. The firm emphasizes customized, long-term portfolios supported by in-house analysis and utilizes third-party platforms and sub-advisers as needed.

Shane Scott is a financial advisor at Turner Financial Group, Inc. in Lewes, DE, holding a Series 65 designation with five years of industry experience. His prior work includes roles at SGL Financial, LLC and Oxley Capital Management, LLC, as well as involvement with This and That Supplies LLC. Turner Financial Group provides investment advice and financial planning to individuals, families, high-net-worth clients, and charitable organizations, managing approximately $171 million in discretionary assets. The firm employs model-based portfolio allocations and a combination of fundamental, technical, and cyclical analysis, offering services that include discretionary portfolio management, sub-advisory referrals, and a range of planning-focused engagements.

Ryan Filiaggi is a financial advisor at Turner Financial Group, Inc. with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several firms including IP Financial Advisory Services LLC and Newbridge Securities Corporation. Filiaggi is also a licensed insurance agent in Delaware. Turner Financial Group provides investment advice and financial planning to individuals, families, high-net-worth clients, and charitable organizations. The firm manages approximately $171 million in discretionary assets for about 500 clients through a team of eight advisors, using model-based allocations and a combination of fundamental, technical, and cyclical analysis.

Michael Redmond is a financial advisor with Diversify Advisory Services, LLC, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His prior roles include positions at DFPG Investments, LLC, Kestra Advisory Services, LLC, Kestra Investment Services, LLC, and Wfg Investments Inc. Outside of his advisory work, he coaches a youth baseball team in Townsend, DE. Diversify Advisory Services, LLC provides investment advisory and financial planning to a diverse client base including individuals, corporations, pension plans, trusts, medical professionals, and small business owners. The firm employs a tactical diversification approach using a variety of internal models and third-party solutions across multiple platforms, incorporating a wide range of investment instruments and strategies.

Sean Merlonghi is a CFP® with 12 years of industry experience, currently serving as an advisor at Dakota Wealth, LLC. He has previously worked with Lokken Investment Group, LLC and Wells Fargo Clearing Services, LLC. Mr. Merlonghi is dually registered with Dakota Wealth and Lokken Investment Group on a temporary basis. Dakota Wealth Management offers investment advisory and wealth management services to individuals, trusts, retirement plans, foundations, charitable organizations, and business enterprises. The firm employs diversified, customized portfolio strategies using a range of investment vehicles and combines multiple research approaches while providing oversight of independent managers.

Andreas Caruso is a financial advisor at Diversify Wealth Management, LLC, holding a Series 65 credential. He joined the firm in 2025 and is based in Lewes, Delaware. Prior to his advisory role, his background includes multiple periods of full-time education at the University of Delaware and experience in various positions outside the financial industry. Diversify Wealth Management provides investment advisory and planning services to a diverse client base including individuals, high-net-worth clients, business owners, retirement plans, trusts, and institutions. The firm uses a tactically diversified investment approach across multiple platforms, incorporating mutual funds, equities, fixed income, ETFs, private equity, and alternative strategies, with discretionary and non-discretionary management aligned to clients’ objectives.

Jay Middleton is a financial advisor with Dakota Wealth, LLC, holding the ChFC® designation and Series 63 and 65 licenses. He has 29 years of industry experience, with prior roles at Lokken Investment Group, LLC, Ocean View Advisory LLC, and One North Wealth Services, LLC. Mr. Middleton is currently dually registered with Dakota Wealth and Lokken Investment Group on a temporary basis. Dakota Wealth Management provides investment advisory and wealth management services to individuals, trusts, retirement plans, foundations, charitable organizations, business enterprises, pooled investment vehicles, and registered investment companies. The firm offers customized portfolio construction using diversified allocations across multiple asset classes, combining fundamental and technical research, and manages various investment vehicles including registered mutual funds and ETFs.

James Stark is a financial advisor at Impact Partnership Wealth, LLC with 42 years of industry experience. He holds a Series 66 designation and has worked at several firms, including LPL Financial, LLC, Insight Private Advisors, LLC, and Purshe Kaplan Sterling Investments. Impact Partnership Wealth provides investment management, model-portfolio implementation, financial planning, and ERISA retirement-plan consulting to individuals, high-net-worth clients, retirement plans, and business entities. The firm employs a combination of third-party strategists, adviser-managed models, and direct indexing with tactical asset allocation and overlays, offering discretionary trading authority subject to client-imposed restrictions.

Carrie Ruark is a financial advisor at Dakota Wealth, LLC with 18 years of industry experience. She holds a Series 65 designation and previously worked at Lokken Investment Group, LLC. Ms. Ruark is currently dually registered with both Dakota Wealth, LLC and Lokken Investment Group, LLC on a temporary and transitional basis. Dakota Wealth Management provides investment advisory and wealth management services to individuals, trusts, retirement plans, foundations, charitable organizations, business enterprises, and registered investment companies. The firm constructs customized portfolios using diversified allocations across various asset classes and employs a research process combining fundamental, technical, cyclical, and charting analysis. Dakota Wealth also serves as an investment manager to a registered mutual fund, acts as sub-adviser to an ETF, manages private funds, and accepts investment company clients.

Laura Balback is a financial advisor at Diversify Advisory Services, LLC with seven years of industry experience. She holds a Series 65 designation and has worked at DFPG Investments, LLC, CWM Advisory, LLC, Scf Investment Advisors, Inc, and Creative Wealth Management, LLC. Diversify Advisory Services, LLC provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, pension and profit-sharing plans, trusts, medical professionals, and small business owners. The firm employs a tactical diversification approach using a variety of internal models and third-party solutions across multiple platforms and offers a broad range of investment strategies and consulting services.

Jessica Bimonte is a CFP®-credentialed financial advisor with six years of industry experience. She is currently with Dakota Wealth, LLC and is also registered with Lokken Investment Group, LLC. Her prior experience includes roles at Lokken Investment Group and work related to equestrian stables. Dakota Wealth Management provides investment advisory and wealth management services to a broad range of clients, including individuals, trusts, retirement plans, and charitable organizations. The firm uses diversified, customized portfolios with a long-term investment orientation and offers access to tax preparation services through an affiliated accounting entity.

Holly Smith is a financial advisor at Capitol Securities Management, Inc. with 40 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Capitol Securities Management since 2008. Capitol Securities Management serves individuals, including high-net-worth clients, corporate and charitable clients, trustees, and plan sponsors. The firm offers brokerage and investment advisory services along with financial planning, pension consulting, insurance products, and educational seminars, managing assets through various accounts and programs tailored to client needs.

Eddie Ghabour is a financial advisor at Diversify Wealth Management, LLC with 27 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at DFPG Investments, LLC, Kestra Advisory Services, LLC, WFG Advisors, and National Life of Vermont. Diversify Wealth Management provides investment advisory and planning services to a diverse client base, including individuals, high-net-worth clients, business owners, retirement plans, trusts, and institutions. The firm employs a tactically diversified investment approach using multiple platforms and offers both discretionary and non-discretionary management aligned with clients’ objectives and regulatory requirements.

Garrett Hudson is a financial advisor at Dakota Wealth, LLC with two years of industry experience. He previously worked at State Farm Investment Management for four years and has experience in the construction and agricultural sectors. Dakota Wealth Management provides investment advisory and wealth management services to individuals, trusts, retirement plans, and other entities. The firm uses diversified portfolios with a long-term orientation and integrates fundamental, technical, and cyclical analysis, while also managing registered mutual funds, ETFs, and private funds.

Evan Hine is a CFP® and Series 66-registered financial advisor with four years of industry experience. He is currently with Dakota Wealth, LLC and also maintains a dual registration with Lokken Investment Group, LLC. Prior to his advisory roles, he held positions in various financial firms and worked in education at Mount St. Mary's University and Waynesboro Area Senior High School. Dakota Wealth Management provides customized wealth management and investment advisory services to individuals, trusts, retirement plans, foundations, and other entities. The firm employs a diversified investment approach using a range of asset classes and also serves as an investment manager to a registered mutual fund and sub-adviser to an ETF.

David Ali Jr. is a financial advisor at Diversify Wealth Management, LLC with four years of industry experience. He holds a Series 65 designation and has previously worked at DFPG Investments, Kestra Advisory, SEI Private Trust Company, Fusion Gyms, and Windsor Financial Group. Diversify Wealth Management provides investment advisory and planning services to a diverse client base, including individuals, high-net-worth clients, business owners, retirement plans, trusts, and institutions. The firm employs a tactically diversified investment approach across multiple platforms and offers services such as financial planning, family office consulting, and portfolio management.

Charles Campbell is a financial advisor with Diversify Wealth Management, LLC, holding Series 63 and Series 65 licenses and five years of industry experience. He has worked at DFPG Investments, LLC, KEY ADVISORS GROUP LLC, and WALTON CORPORATION. Diversify Wealth Management serves a broad range of clients, including individuals, high-net-worth clients, business owners, retirement plans, trusts, and institutions. The firm employs a tactically diversified investment approach across multiple platforms and offers services such as financial planning, family office and corporate consulting, and portfolio management.

Joseph Ghabour is a financial advisor at Diversify Advisory Services, LLC with 23 years of industry experience. He holds the Series 66 designation and has worked at DFPG Investments, LLC, Kestra Advisory, Kestra Investment Services, LLC, and WFG Investments Inc. Diversify Advisory Services, LLC provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, pension and profit-sharing plans, trusts, medical professionals, and small business owners. The firm employs a tactical diversification approach using a variety of internal models and third-party solutions across multiple platforms, offering a broad range of investment instruments and strategies.

Eliot Howell is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 65 licenses and possessing 32 years of industry experience. He previously worked at LPL Financial from 2018 and Wells Fargo Advisors Financial Network LLC from 2008. Howell provides investment advisory services through Private Advisor Group, an independent investment advisor firm. Private Advisor Group manages over $41 billion across more than 135,000 client relationships, serving individuals, trusts, estates, charitable organizations, and corporate and retirement plan clients. The firm offers discretionary and non-discretionary portfolio management, financial planning, retirement plan consulting, and access to third-party asset management programs and separately managed account strategies.

Benjamin Schropp is a financial advisor with PNC Wealth Management in Lewes, Delaware, holding Series 63 and Series 66 licenses and three years of industry experience. His prior roles include positions at Fidelity Investments and JP Morgan Chase, as well as service with the Delaware Air National Guard. Outside of his advisory work, he is an owner of a rental property. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an online discretionary model account available via an invitation-only employee pilot. The firm uses algorithmic questionnaires to guide investment strategy selection and employs mutual funds and ETFs with annual rebalancing.

Eric Heishman is a financial advisor with Equity Services, Inc. He holds Series 63 and Series 66 licenses and has 17 years of industry experience. Prior to joining Equity Services in 2018, he worked at National Life Group, MML Investors Services, and MassMutual. Outside of his advisory role, Heishman serves as president of NAIFA Delaware, is active as a deacon at First Baptist Church of Milford, and has taught junior and senior high school classes at Milford Christian School. Equity Services, Inc. serves individuals, corporations, trusts, estates, charitable organizations, and retirement plans with financial planning, consulting, and asset management services. The firm offers investment management through a combination of proprietary and third-party platforms, emphasizing long-term allocations and manager-driven model portfolios, and operates as both a federally registered investment adviser and a broker/dealer.

Dawn Dupre is a financial advisor at Janney Montgomery Scott with 31 years of industry experience. She holds Series 63 and Series 66 designations and has worked previously at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank. She serves on the boards of the Blackpool Homeowners Association and Kings Creek Country Club in Rehoboth Beach, Delaware. Janney Montgomery Scott is an SEC-registered investment adviser and broker-dealer managing approximately $100.8 billion in client assets. The firm offers a range of services including portfolio management, financial planning, retirement plan advisory, and traditional brokerage for individuals, high-net-worth clients, corporations, charities, and institutions.

Jose Echeverri is a financial advisor at AE Wealth Management, LLC with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has been involved with Swan Financial Group, Inc. as president and agent of an insurance agency since 2001. He also worked at Delaware State University from 2018 to 2022. AE Wealth Management serves a diverse client base including individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm utilizes a platform-centered approach combining model portfolios managed internally, by third parties, and by advisors, offering a range of services such as discretionary asset management, financial planning, and plan consulting.

Susan Damask is a CFP® and holds a Series 66 license with 18 years of industry experience. She is currently with Janney Montgomery Scott, where she has worked since 2024, following over a decade at Merrill. Janney Montgomery Scott LLC is an SEC-registered investment adviser and broker-dealer managing approximately $100.8 billion in client assets. The firm serves individuals, high-net-worth clients, corporations, charities, and institutions, offering portfolio management, financial planning, retirement advisory, and brokerage services through a multi-channel investment platform.

Melanie Kelsall is a financial advisor with Janney Montgomery Scott in Lewes, DE, holding a Series 66 designation and four years of industry experience. Her prior work includes roles at Texas Roadhouse, Independent Newspaper, and Recovery Solutions Group, LLC. She serves as a committee member for Delaware Veterans Inc. Post #2 in Dover, DE. Janney Montgomery Scott is an SEC-registered investment adviser and broker-dealer managing approximately $100.8 billion in client assets. The firm offers portfolio management, financial planning, retirement plan advisory, and brokerage services to individuals, high-net-worth clients, corporations, charities, and institutions, utilizing a multi-channel investment platform that includes in-house and third-party management strategies.

Amy Gibson is a financial advisor at Janney Montgomery Scott with Series 63 and Series 65 credentials and 31 years of industry experience. She previously worked at Merrill for 33 years before joining Janney in 2024. Janney Montgomery Scott LLC is an SEC-registered investment adviser and broker-dealer managing approximately $100.8 billion in client assets. The firm serves individuals, high-net-worth clients, corporations, charities, and institutions, offering portfolio management, financial planning, retirement plan advisory, and brokerage services through a multi-channel investment platform that includes third-party managers, model-based solutions, and in-house portfolio management.

Ronald Miller is a financial advisor at Janney Montgomery Scott with 19 years of industry experience. He holds a Series 66 designation and has worked at Janney since 2019. Prior to that, he was with Bank of America, N.A. and Merrill. Janney Montgomery Scott LLC is an SEC-registered investment adviser and broker-dealer managing approximately $100.8 billion in client assets. The firm offers a wide range of services including portfolio management, financial planning, retirement plan advisory, and brokerage for individuals, high-net-worth clients, corporations, charities, and institutions.

Oliver Beck is a CFP®-certified financial advisor with 10 years of industry experience, currently associated with Janney Montgomery Scott. His prior roles include positions at Merrill and Bank of America, N.A. He is based in Lewes, Delaware. Janney Montgomery Scott LLC is an SEC-registered investment adviser and broker-dealer managing approximately $100.8 billion in client assets. The firm serves individuals, high-net-worth clients, corporations, charities, and institutions through a multi-channel investment platform that includes third-party manager strategies, model-based solutions, and in-house portfolio management via Janney Capital Management.

Granville Trey Hastings is a financial advisor at Janney Montgomery Scott with 25 years of industry experience. He holds a Series 66 designation and has worked previously at Bank of America and Merrill. Outside of his advisory role, he is involved in managing a rental property in Lewes, Delaware. Janney Montgomery Scott is an SEC-registered investment adviser and broker-dealer managing approximately $100.8 billion in client assets. The firm offers a wide range of services including portfolio management, financial planning, retirement advisory, and brokerage for individuals, high-net-worth clients, corporations, charities, and institutions.

Megan Dupre Keating is a financial advisor at Janney Montgomery Scott with 25 years of industry experience. She holds a Series 66 designation and previously worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. She serves as a member of the Board of Governors at Waynesborough Country Club in Paoli, PA. Janney Montgomery Scott is an SEC-registered investment adviser and broker-dealer managing approximately $100.8 billion in client assets. The firm offers a multi-channel investment platform and a wide range of services to individuals, high-net-worth clients, corporations, charities, and institutional accounts.

Edward Deverell is a ChFC® credentialed financial advisor with 32 years of industry experience. He is currently with SPC and Sigma Financial, having previously worked at Park Avenue Securities, Guardian Life Insurance, and ProEquities. Outside of his advisory work, he operates Edward Deverell Photography, focusing on portrait and wedding photography. SPC serves individual clients, charitable organizations, corporations, and employer-sponsored retirement plans, managing approximately $5.66 billion in assets. The firm offers portfolio management, financial planning, and ERISA-related retirement plan services, delivering both discretionary and nondiscretionary investment solutions.

Bradley Travis Jr. is a CFP® with 19 years of industry experience, currently serving as a financial advisor at LPL Financial since 2024. Prior to joining LPL, he worked at PNC Investments and PNC from 2006 to 2024. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a range of investment solutions supported by an in-house research team and a large network of investment adviser representatives.

John Simeone is a CFP® with 25 years of experience, currently affiliated with Raymond James Financial in Lewes, DE. He has worked at Raymond James Financial since 2009 and has prior experience with Specific Solutions and Fulton Bank. Simeone is also involved with Fulton Financial Advisors in a financial advisor role. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm provides financial planning and non-discretionary investment consulting, with a notable focus on advisory services that support clients through tailored financial plans and a broad affiliate network.

Travis Olszewski is a financial advisor at Edward Jones with 17 years of industry experience. He holds Series 63 and Series 66 designations and has worked at several firms, including Wealthvest, The Leaders Group Inc, and LPL Financial. Outside of his advisory work, he is a member of the Lewes Chamber of Commerce and Rotary International. Edward Jones is a full-service wealth management firm serving both individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large national network of advisors and branch offices.

Anne Johns is a financial advisor with Thrivent Investment Management in Milton, DE, holding Series 63 and Series 66 licenses and bringing 41 years of industry experience. She has been with Thrivent Investment Management and its predecessor, Thrivent Financial for Lutherans, since 2002. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors, offering comprehensive written recommendations across various planning topics. The firm delivers holistic, goal-based analyses and allows clients to integrate planning with managed-account programs under separate but consolidated billing arrangements.

Christopher Theis is a financial advisor with Ameriprise, holding Series 63 and Series 66 credentials and over 20 years of industry experience. He previously worked at Guardian Advisors, Commonwealth Financial Network, Big Investment Services, and Wells Fargo Advisors Financial Network. He serves as Treasurer on the board of Delmarva Christian Schools. Ameriprise provides retirement-income planning services focused on clients nearing or in retirement, typically with at least $1 million in net investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver written recommendations through a centralized consulting team, supporting a broad array of advisory, brokerage, and insurance solutions.

Elizabeth Ridings is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. She has worked with Raymond James since 2004 and serves as president of BMB, Inc., a support company. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, pension plans, charitable organizations, and municipal entities, providing financial planning and non-discretionary investment consulting through various programs and institutional solutions. The firm emphasizes tailored financial plans developed through client collaboration and maintains a distinctive advisory model with a significant portion of assets managed on a non-discretionary basis.

Lorraine Harrod is a financial advisor at LPL Financial with 16 years of industry experience. She holds Series 63 and Series 65 credentials and previously worked at PNC Investments and PNC Bank. LPL Financial provides advisory and brokerage services to a diverse client base including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a range of investment solutions supported by an in-house research team and a large network of investment adviser representatives.

Daniel Klemkowski is a financial advisor with Edward Jones, holding a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he worked at Sysco Eastern Maryland and Sysco Philadelphia, and also has experience with Yell Yes Screen Printing. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,700 financial advisors.

Christopher Mukoda is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. Prior to joining LPL Financial in 2023, he worked at PNC Investments LLC for seven years. LPL Financial provides advisory and brokerage services to a diverse client base including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a wide range of investment solutions supported by an in-house research team and combines large-scale advisory services with non-advisory product offerings.

Derek Clifton is a financial advisor with Edward Jones in Lewes, Delaware, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He has been with Edward Jones since 2004. Outside of his advisory role, Clifton serves as president of Reynolds Cemetery in Milton, Delaware. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs and investment options. The firm manages approximately $1.01 trillion in assets and supports its services through a nationwide network of over 23,000 financial advisors and 15,000 branch offices.

David Crouse is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He previously worked at PNC Investments for 20 years before joining LPL Financial in 2023. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm offers various delivery options such as financial planning, model-portfolio advisory programs, and third-party asset management, supported by an in-house research team that develops strategic and tactical investment models.

William Keetley III is a financial advisor at Raymond James Financial with 22 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Fulton Bank, N.A., PNC Investments, and multiple divisions of Raymond James Financial since 2015. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, and municipal entities. The firm offers tailored financial planning and non-discretionary investment consulting supported by extensive research and a broad affiliate network.

Robert Guarino is a financial advisor with Cetera, holding a Series 66 designation and one year of industry experience. His prior work includes roles at Ramsey Auto Group and Affinity Development Group. Outside of his advisory work, he is an owner of SaproTerra Distributors, LLC, a business involved in placing products with retail outlets. Cetera serves individual, high-net-worth, institutional, and retirement-plan clients through a large network of independent advisors. The firm offers discretionary and non-discretionary portfolio management, financial planning, retirement plan solutions, and access to third-party money managers, supported by a range of advisor-managed and firm-sponsored investment programs.