Chief Information and Technology Officer
As chief information officer, Michael Ragunas is responsible for all information technology for Cetera Financial Group, including direct oversight of all technology supporting the broker-dealers in the Cetera network. Mike brings extensive experience delivering high-volume critical systems including online commerce, SaaS/API-based middleware, contact center, fraud and claims platforms, store/branch technology, and data center infrastructure. He is also a member of the executive team.
Rich Whitworth, AIF®
Head of Business Consulting
Legacy Builder protects an independent financial professional’s business from the potential large loss in enterprise value if a formal transition plan has not been enacted and the financial professional is unable to perform their duties. By providing contractual assurances from Cetera that clients will be properly managed and economic value transferred to their estate or beneficiaries, Legacy Builder removes the major barriers to an financial professional’s ability to control and direct their exit plan. Combining solutions for calculating firm valuations, managing unplanned and planned exits, matching buy and sell-side program participants, as well as dedicated support from Cetera’s business consulting team, Legacy Builder is a full-service offering that helps maximize an advisory firm’s long-term value.
Senior Vice President, Head of Product Management
AdviceWorks unites tools, information, and people within a seamless environment, making it easier for financial professionals to manage workflows and stay in sync with clients. From smoother money movement to real-time data flow and communication, AdviceWorks’ centralized hub keeps financial professionals and their clients more connected, while keeping clients more engaged in the value their financial professionals bring to their lives. The platform allows financial professionals to see and track client objectives, financial strategies, and overall progress at any time, from any device. By linking accounts and assets, AdviceWorks helps uncover insights and hidden potential and enables financial professionals to take a more personalized approach to supporting clients’ priorities. AdviceWorks also makes it easier for financial professionals to more closely collaborate with their team and access third-party resources.
Head of Retirement Plan Solutions
In March 2019, Cetera was a market leader in adopting AdvicePay and launching its Fee-for-Service offering. It gives financial professionals the ability set their own prices for services and receive payments via credit cards, debit cards and automated clearing house (ACH) transfers. Payments can be on a one-time or subscription basis, without a requirement a brokerage account. In October, in an effort to continue bridging the gap between retirement plans and wealth management, Cetera merged 401(k) participant advice and financial planning services under one fee-for-service consulting agreement. The new Fee-for-Service program furthers Cetera’s goal of providing financial professionals with holistic tools to deliver world-class advice to America’s workers and savers.
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