James Scott

Lauren Heiman is a financial advisor at Allworth Financial, L.P. with 11 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at multiple firms, including AW Securities, Private Client Services, and Securities Service Network, Inc. Outside of her advisory role, Heiman serves as an assistant varsity volleyball coach at Wayland Cohocton Central School. Allworth Financial provides fee-based wealth management, financial planning, and qualified retirement plan consulting to a diverse client base, including individuals, high-net-worth, institutional, and corporate clients. The firm offers customized investment programs using low-cost mutual funds, ETFs, individual securities, and model strategies, along with third-party managers and private fund management.

Terry Muchler is a financial advisor at Allworth Financial, L.P. with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Muchler Financial Services and Private Client Services. Muchler serves as a Rotary board member and foundation chair in Dansville, NY. Allworth Financial provides fee-based wealth management, financial planning, and qualified retirement plan consulting to individual, high-net-worth, institutional, and corporate clients. The firm offers customized investment programs using a variety of strategies and vehicles, including low-cost mutual funds, ETFs, individual securities, and private fund management.

Nicole Jones is a financial advisor with J.W. Cole Advisors, Inc., holding a Series 63 license and 10 years of industry experience. Her previous roles include positions at Ameritas Advisory Services, LLC, Ameritas Investment Corp, and United Professional Advisors. Outside of advisory work, she is involved in insurance sales through Lifetime Planning, Inc. and Fixed Insurance, where she advises clients on life insurance, annuities, disability, and long-term care products. J.W. Cole Advisors is an SEC-registered firm serving individuals, charities, corporations, and retirement plans through a national network of over 400 independent investment adviser representatives. The firm offers portfolio management, financial planning, and access to various managed account solutions, with investment decisions implemented on both discretionary and non-discretionary bases.

Gary Everts is a financial advisor at OSAIC with 36 years of industry experience. He holds a Series 63 designation and has worked previously at Securities America Advisors and INVEST Financial Corp. Outside of his advisory role, he is involved with Future Financial Group, where he engages in the sale of fixed life insurance, fixed annuities, long-term care, and disability income products. OSAIC is a large SEC-registered investment adviser and FINRA member broker-dealer serving a diverse client base including individual investors, pension plans, corporations, and charitable organizations. The firm employs a comprehensive investment process utilizing risk-tolerance assessments, asset allocation software, and portfolio optimization tools, offering a range of investment options and advisory programs.

Heath Hendrickson is a financial advisor at OSAIC with four years of industry experience. He holds a Series 66 designation and previously worked at Securities America Advisors and Securities America, Inc. Outside of his advisory role, Hendrickson is a partner at Allied CPA's, PC, where he provides tax and accounting services, and is involved with West Winds Family Farm, a fruit tree farming venture. OSAIC is a large SEC-registered investment adviser and FINRA member broker-dealer serving a diverse client base that includes individual investors, pension plans, corporations, and charitable organizations. The firm employs a comprehensive investment process utilizing risk-tolerance assessments, asset allocation software, and portfolio optimization tools, and offers access to a wide range of investment products and custodial platforms.

Aimee Berkemeier is a financial advisor at OSAIC with four years of industry experience. She holds a Series 66 designation and has previously worked at Securities America Advisors and multiple CPA firms. Outside of advising, she oversees financial reporting for the Genesee County Young Life organization and serves as a director at Allied CPAs, PC, where she manages tax preparation and consulting. OSAIC is an SEC-registered investment adviser and FINRA member broker-dealer serving a diverse client base, including individual investors, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs and utilizes technology-driven investment processes, supporting over 6,200 advisors and managing approximately $200 billion in assets.