Tyler Jacob Krowiak

Harriet Higgins is the sole advisor at Mayflower Capital, an independent investment advisory firm based in Cortland, NY. She holds Series 63 and Series 65 licenses and has 12 years of industry experience, including her entire advisory career at Mayflower Capital since 2014. Outside of her advisory work, she also works as a part-time ski instructor at Greek Peak Mountain Resort. Mayflower Capital provides portfolio management and financial planning services to individuals, families, estates, trusts, charitable organizations, and certain business entities. The firm emphasizes diversification, asset allocation, and limited portfolio turnover, with investment decisions supported by research through Charles Schwab and Morningstar.

Logan Crandall is a financial advisor at Pragmatic Advisors, LLC in Homer, NY, holding a Series 65 designation with one year of industry experience. His prior work includes roles at Clark CPA PC, C&A Accounting, Northwestern Mutual, Le Moyne, and Hhs. Pragmatic Advisors provides portfolio management and related investment services to individuals, pension and profit-sharing plans, and business entities, using a primarily non-discretionary approach that emphasizes fundamental analysis and modern portfolio theory. The firm implements portfolio changes only with client approval and offers reporting and periodic reviews while directing clients to third-party money managers.

Jacob Morenus is a financial advisor at Gateway Wealth Partners, LLC with three years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Gateway Wealth Partners in 2026, he worked at Equitable Advisors, LLC for four years and was involved with North Star Real Estate & Property Management and the Big Cats Lacrosse Club. Gateway Wealth Partners is a registered investment adviser serving individuals, corporations, and retirement plans. The firm employs a diversified investment approach, using low-cost mutual funds and ETFs combined with individual securities and independent managers, and offers both discretionary and non-discretionary portfolio management.

Laurence Claudia is a financial advisor with Commonwealth Financial Network in Cortland, NY, holding a Series 63 designation and 25 years of industry experience. Prior to joining Commonwealth in 2020, Claudia worked at Edward Jones for 20 years. Outside of advisory services, Claudia is involved in fixed insurance sales conducted at the branch location. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 advisors and manages around $212.7 billion in client assets. The firm offers discretionary and nondiscretionary managed-account programs, access to third-party asset managers, and a comprehensive adviser-support platform covering trading, reporting, and custody services.

Rose Claudia is a financial advisor with Commonwealth Financial Network and Treadstone Wealth Advisors, holding a Series 63 designation and 25 years of industry experience. She worked at Edward Jones for 20 years before joining her current firms in 2020. Rose is also the owner of Treadstone Wealth Advisors. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors with advisory programs, wealth management, and retirement plan consulting. The firm provides operational, trading, technology, investment management, compliance, and practice-management support while enabling advisors to construct client portfolios using a broad range of securities and insurance products.

Anna Aldrich is a financial advisor at Cetera with a Series 66 designation and no prior industry experience. Her background includes a decade in full-time education and involvement with Bob's Barbecue. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base, including individuals, retirement plans, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a large network of advisors, employing a multi-manager platform with both discretionary and non-discretionary options.