Peter Psaras is a financial advisor with Conservative Equity Investment Advisors in Gloversville, NY, holding a Series 65 credential and 16 years of industry experience. He has worked at Sia Capital Management Inc. since 2013 and is CEO of Mycroft Mall LLC, which operates an online retail directory. Psaras is also a compensated writer for Seeking Alpha, where he publishes articles on stocks, politics, and the economy. Conservative Equity Investment Advisors provides discretionary portfolio management focused on publicly traded equities for individuals, high-net-worth clients, and family trusts. The firm uses a proprietary "Friedrich Algorithm" combined with fundamental, qualitative, and quantitative analysis to guide long-term investment decisions and maintains individualized investment policy statements for clients.

Allan MacVean is a CFP® professional with 35 years of industry experience. He has been with United Planners' Financial Services of America since 2020 and previously worked at SSN Advisory Inc and Securities Service Network for nine years. Outside of his advisory work, MacVean serves as a deacon at Crossroads Community Church and has a long history as a substitute bus driver for local school districts. United Planners Financial Services serves a diverse clientele including individuals, corporations, charitable organizations, and institutional clients. The firm operates an open-architecture platform offering financial planning, portfolio management, retirement plan services, and brokerage solutions through a network of 477 independent advisors.

Noah Koreman is a CFP® and holds a Series 66 license with two years of industry experience. He is currently an advisor at Mariner Wealth and previously worked at Key Investment Services LLC, KeyBank, and Charter Spectrum. Mariner Wealth is a large multi-advisor wealth management firm serving individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm offers a range of services including investment management, financial planning, retirement plan consulting, tax services, and family-office style administration, utilizing both active and passive investment strategies across multiple asset classes.

Katelyn Sager is a financial advisor at Key Investment Services LLC with two years of industry experience. She holds the Series 66 designation and previously worked at KeyBank and in the food service industry. Key Investment Services LLC offers wrap-fee advisory programs and model-driven investment options to a diverse client base, including individuals, trusts, estates, charities, corporations, and small businesses. The firm operates primarily through non-discretionary, model-based wrap programs and collaborates with third-party managers such as BNY Mellon Advisors, Inc.

Wayne Cook II is a financial advisor with GWN Securities Inc. in Amsterdam, NY, holding Series 63 and Series 65 licenses and nine years of industry experience. His prior work includes roles at Equitable Advisors, Axa Advisors, and Northwestern Mutual Investment Services. Outside of his advisory work, he is involved as an insurance agent with V. Mathis Insurance Services and Risk Advisors, LLC, and creates non-securities audio and video content. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients through discretionary managed accounts, financial planning, and access to third-party sub-advisers. The firm offers a range of managed-account programs and model portfolios, including both traditional asset allocation and legacy market-timing strategies.

Daniel Stearns is a financial advisor with GWN Securities Inc. in Johnstown, NY, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been with GWN Securities since 2005 and also has long-standing roles at GLS Financial and NSA Nutrition Products. Outside of his advisory work, Stearns is involved with Innovative Solutions Insurance Services, LLC, where he acts as a life insurance agent. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individuals, including high-net-worth clients, and business clients through discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios. The firm manages approximately $3.65 billion across more than 37,000 accounts and offers a range of managed-account programs and model portfolios with both traditional and legacy market-timing and momentum-based strategies.

Charles Reyes is a CFP® and holds a Series 66 license with eight years of industry experience. He currently works at Charles Schwab, where he has been since 2020, and previously held roles at Morgan Stanley and Bankers Life. Reyes also has experience in academia, having worked at Stetson University. Charles Schwab is a large financial services firm serving individual and institutional clients, offering a range of investment and wealth management services.

Joseph Scanlan is a financial advisor with Key Investment Services LLC and holds Series 63 and Series 66 designations. He has 13 years of industry experience, including roles at KeyBank from 2008 to 2022 and at Key Investment Services since 2012. He also serves as trustee of the Scanlan Family Irrevocable Trust. Key Investment Services LLC offers wrap-fee advisory programs and model-driven investment options to a diverse client base, including individuals, trusts, estates, charities, corporations, and small businesses. The firm primarily operates non-discretionary, model-based wrap programs and maintains committees to oversee third-party strategists and program suitability.

Nerissa Hanley is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She has been with Primerica Advisors since 1996 and Primerica Financial Services since 1995. Outside of financial advising, Hanley is co-owner and vice president of Houghtaling & Hanley Funeral Home, a local funeral service business. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and a limited number of discretionary separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and maintains oversight of its model portfolios, operating primarily under a tiered wrap-fee structure.

Brett Mccue is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Key Investment Services LLC from 2015 to 2024. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment services grounded in modern portfolio theory. The firm’s approach includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

David Olsen is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has worked at Linsco/Private Ledger Corp. since 1999. Outside of his advisory role, Olsen is the sole owner of OCM Holdings and is involved with Olsen Investment Management. He also acts as an agent soliciting long-term care insurance and fixed annuities. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a range of investment solutions supported by an in-house research team, combining large-scale advisory operations with insurance and credit services.

Brandie Mulligan is a CFP® and holds a Series 66 license, with 19 years of industry experience. She has worked at Wells Fargo Clearing Services LLC since 2019, following prior roles at Bank of America and Merrill. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm employs an IPS-driven approach grounded in modern portfolio theory and includes insurance-related vehicles and bank deposit sweep options among its investment offerings.

Amanda Skotarczak is a financial advisor at Wells Fargo Clearing with eight years of industry experience. She holds a Series 66 designation and has been with Wells Fargo in various capacities since 2012. Outside of her advisory role, she co-owns Skaterra LLC, a company providing excavation and construction services. Wells Fargo Clearing offers retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, providing both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

William Winsman is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. His prior roles include positions at Key Investment Services LLC, LPL Financial, and First Niagara. Outside of his advisory work, he serves on the Town of Palatine, NY Ethics Committee and acts as a trustee of a family trust. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes both discretionary and non-discretionary service options, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

John Washburn is a CFP® with 38 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he is a notary public in Fulton County, New York. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services grounded in modern portfolio theory. The firm’s approach includes investment policy statement development, performance reporting, participant education, and plan benchmarking, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Andrew Cook Jr. is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 14 years of industry experience. He has worked at Wells Fargo Clearing since 2019 and previously held positions at Bank of America and Merrill. He serves as a trustee for Friends Trust in Albany, NY. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm's advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Robert Waite is a financial advisor with Cetera, holding a Series 63 designation and bringing 24 years of industry experience. He has been with Cetera and its affiliates since 2005 and previously worked at Prepaid Legal Services Inc for 11 years. Outside of his advisory role, Waite serves as vice president and board member of the Sacandaga Bible Conference and is involved in several small business ventures including accounting, tax preparation, and payroll processing. Cetera Investment Advisers serves a diverse client base including individuals, high-net-worth, institutional, and retirement-plan clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, combining advisor-managed accounts, firm-sponsored model portfolios, and third-party solutions with retirement and fiduciary capabilities integrated into its broader institutional platform.

Donald Stanyon Jr. is a financial advisor with LPL Financial in Gloversville, NY, holding a Series 63 designation and 33 years of industry experience. He has been with LPL Financial since 2000. Outside of his advisory role, he operates Stanyon Financial Services, Inc., which offers non-variable insurance primarily focused on long-term care and term insurance. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a range of financial planning and portfolio management options supported by an in-house research team and combines large-scale advisory operations with non-advisory product offerings.

Susan Mallery is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Mark Spagnola is a financial advisor with Osaic Wealth, Inc. and holds a Series 63 designation. He has 28 years of industry experience, including 14 years at FSC Securities Corporation and three years at Osaic. He is also a member of Spagnola & Spagnola Accounting Firm LLC, an accounting and tax preparation business. Osaic Wealth, Inc. is an SEC-registered investment adviser and FINRA member broker-dealer serving a broad client base, including individuals, pension plans, corporations, and charitable organizations. The firm offers a range of advisory services and utilizes a comprehensive investment process involving risk tolerance assessments, asset allocation software, and portfolio optimization tools.

Steffen Hellert is a CFP® with 16 years of industry experience, currently serving at Wells Fargo Clearing. His prior roles include positions at Key Investment Services LLC, LPL Financial, and First Niagara Securities. Wells Fargo Clearing provides retirement plan consulting for qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates a range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Lawrence Spagnola is a financial advisor at OSAIC with 40 years of industry experience. He holds a Series 63 designation and has worked at FSC Securities Corporation and his own firm, Spagnola & Spagnola, which he has been involved with for over 30 years. He joined OSAIC in 2023. 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 and brokerage services supported by advanced portfolio management tools and access to multiple custodial platforms.

Ryan Olsen is a financial advisor with LPL Financial, holding a Series 66 credential and one year of industry experience. His prior experience includes six years at Wells Fargo Bank, N.A., and a year at Grantham, Mayo, & Van Otterloo LLC. LPL Financial offers advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm provides a range of investment solutions supported by an in-house Research team and combines large-scale advisory operations with non-advisory product activities.

Ronald Olinsky is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 27 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Outside of his advisory role, he serves as Financial Secretary for Knesseth Israel Synagogue in Gloversville, NY, and participates on the finance committee of Synagogue Emanu-El in Charleston, SC, as well as serving as Treasurer for the North Charleston Pops Orchestra. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering IPS-driven advisory services that include investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s approach incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options, and offers discretionary investment management under ERISA fiduciary standards.

Jason Free is a financial advisor with LPL Financial in Amsterdam, NY, holding Series 63 and Series 65 credentials and bringing 21 years of industry experience. He has been with LPL Financial since 2011. Outside of his advisory role, he is the author of a book titled *Parenting on Purpose* and serves as the master of ceremonies for an annual Catholic Diocesan Men's conference. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm offers a wide range of investment delivery options supported by an in-house Research team and combines advisory services with insurance, annuity products, and other financial solutions.

Gary Greco is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, with a broad range of financial products that include insurance-related vehicles and bank deposit sweep options.