Securities offered through Cetera Wealth Services, LLC (doing insurance business in CA as CFGAN Insurance Agency LLC) , member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity. CA Insurance License # 0E95370

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Timothy J. Burns CPA

Michelle L. Johnston CPA

Yvonne C. Bacio MBA

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