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Federated continual learning (FCL) aims to maintain the model's performance on old tasks (i.e., stability) while enhancing its ability to acquire knowledge from current tasks (i.e., plasticity). With the development of pre-trained models (PTMs), fine-tuning PTMs on clients has become a promising approach to leveraging their extensive knowledge in FCL. In this paper, we propose MultiFCL, a novel FCL framework that fine-tunes PTMs to adapt to FCL while preserving their strong generalization capabilities. Specifically, to ensure the stability, MultiFCL introduces lightweight adapters for task adaption, which are subsequently frozen to prevent catastrophic forgetting. Moreover, by utilizing the semantic features of old tasks, MultiFCL performs multi-modal initialization of new task class prototypes. To enhance the plasticity, MultiFCL employs a multi-expert training mechanism that integrates multi-scale feature learning with multi-teacher dynamic self-distillation. Through intra-client and inter-client expert communication, MultiFCL facilitates cross-task and cross-client knowledge fusion. Experimental results demonstrate that MultiFCL achieves state-of-the-art performance across multiple datasets and settings, showcasing its effectiveness in FCL scenarios.