Lloyd David Tepper

I'm a fee-only fiduciary financial advisor in Chittenango, NY, serving Syracuse and Central New York. I grew up here and I work with my neighbors: married couples who are good savers, within five years of retirement or newly retired. I specialize in pension decisions, including lump sum versus monthly payments and survivor options, along with Social Security timing, Roth conversions, and 403(b)/457 rollovers.

Nancy Green is a financial advisor with Edward S. Green & Associates, LLC in Syracuse, NY. She holds Series 63, 65, and 66 licenses and has six years of industry experience. Prior to joining her current firm, she worked at UBS Financial Services for one year. Outside of her advisory role, she provides human resources consulting through BOUSQUET HOLSTEIN PLLC. Edward S. Green & Associates operates primarily as a solicitor for an unaffiliated investment adviser, offering financial concierge services that coordinate client education, retirement, and estate planning with various professionals rather than managing client investments directly. The firm does not take custody of assets or exercise discretionary authority and focuses on referrals to a single sub-adviser while serving as the primary client contact.

Judson Ames is a financial advisor with Dark Horse Wealth LLC in Cazenovia, NY. He holds Series 63, 65, and 66 licenses and has 5 years of industry experience. Prior to founding Dark Horse Wealth in 2011, he worked at 1 St Discount Brokerage, Inc. for one year. Outside of his advisory work, he serves as a referee during the months of September and October. Dark Horse Wealth LLC advises individuals, pension and profit-sharing plans, and corporate entities. The firm constructs portfolios primarily from low-cost mutual funds and ETFs, supplemented by tactical stock or bond selections, and emphasizes retirement plan services with a mix of long-term strategies and tactical positioning.

Samuel Kraemer is the sole advisor at Kraemer Capital Management LLC in Syracuse, NY, holding a Series 65 credential with four years of industry experience. Prior to his advisory role, he has worked in various positions including at Hillside Children’s Center, where he serves as a Youth Advocate assisting high school students with graduation and post-secondary planning. Kraemer Capital Management LLC is an independent advisory firm providing discretionary investment management and comprehensive financial planning services primarily to individual clients. The firm focuses on tailored portfolios based on fundamental analysis and a long-term investment approach, with regular portfolio reviews and reporting.

Mattawe Clements is the principal advisor at Clements Investment Management in Marietta, NY, holding Series 63 and Series 65 licenses with 20 years of industry experience. He has managed Clements Investment Management since 2013 and has been involved in insurance and financial services since 1990. Additionally, he owns Clements Ranching LLC, a farm and ranch business that raises hay and cattle in Fernley, NV. Clements Investment Management provides discretionary investment management and financial consulting to individuals, retirement plans, trusts, estates, and charitable organizations. The firm manages approximately $26 million across about 42 clients, employing a strategic asset-allocation, core-satellite approach focused on passive index funds and ETFs supplemented by selective active management.

Christopher Devoe is a CFA® charterholder with 24 years of experience at Constellation Asset Management, Inc., an independent firm based in Fayetteville, NY. He also owns and operates C&H Stamps, a mail-order collectibles business. Constellation Asset Management provides discretionary portfolio management primarily for individual and family accounts, as well as trusts, retirement plans, and corporate accounts, employing a combination of fundamental, technical, and cyclical analysis across various asset classes.