Lauren Heiman

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.

James Scott is a financial advisor with Osaic Wealth, Inc., holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. His prior roles include positions at Securities America Advisors and Invest Financial Corporation. Outside of finance, he works as a bus driver for the Clarence Central School District. Osaic Wealth, Inc. is an 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 technology-driven investment process and offers a wide range of advisory programs and third-party manager access, supporting thousands of advisors and managing approximately $200 billion in assets.

Lea Bancroft is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and bringing 36 years of industry experience. She has been with MML Investors Services, Inc. and Massachusetts Mutual Life Insurance Company since 1996. Outside of her advisory role, Bancroft is a partner in a restaurant/bar and a martial arts instructor in Mount Morris, NY. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements using firm-approved analytical tools and also provides educational seminars and specialized planning services.

Carolyn Phillips is a financial advisor with MassMutual Investors Services in Mount Morris, NY, holding Series 63 and Series 65 licenses and possessing 22 years of industry experience. She has been with MML Investors Services, Inc. since 2003 and MassMutual Financial Group since 2001. Outside of her advisory role, Phillips serves as treasurer for the First Church of Christ, Scientist, overseeing financial activities and reporting. MML Investors Services, LLC operates as a subsidiary of MassMutual, providing financial planning and investment services to individuals, business owners, trusts, estates, charitable organizations, and employers through a structured, collaborative advisory process.