Joseph O'Haver is the principal of O'Haver Wealth Management, LLC in Newark, NY, with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Sagepoint Financial, Inc. and IBN Financial Services, Inc. in addition to his own firms. Outside of investment advisory, he operates O'Haver Financial, LLC, providing tax preparation, payroll processing, and insurance sales services. O'Haver Wealth Management, LLC offers portfolio management and financial planning to individuals, high-net-worth clients, charitable organizations, and corporate entities. The firm uses client-specific Investment Policy Statements and a combination of charting, fundamental, quantitative, and technical analysis to tailor asset allocation and security selection, focusing on mutual funds, fixed income, ETFs, annuities, and private placements.

Jerry Hefley is a financial advisor at Bright Futures Wealth Management, LLC with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cetera Advisors LLC, CETERA INVESTMENT Advisers LLC, and Silver Oak Securities, Inc. Hefley serves as a trustee for The United Church of Marion, where he oversees financial accounts and physical operations of the church. Bright Futures Wealth Management provides portfolio management, financial planning, and pension consulting services to a diverse client base, including individuals, trusts, and retirement plans. The firm employs a variety of investment analysis methods and offers both discretionary and non-discretionary services.

Bradley Donner is a financial advisor at CL Wealth Management LLC with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at CL Wealth Management since 2021, previously serving at Cabot Lodge Securities LLC and SB Advisory, LLC. CL Wealth Management LLC is an SEC-registered multi-advisor firm that serves individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and business entities. The firm provides portfolio advisory services, financial planning, referrals to third-party money managers, and client education, tailoring investment strategies to client objectives and risk tolerance through fundamental and technical analysis and custom model portfolios.

Jason Mosher is a financial advisor with Arkadios Wealth Advisors, holding the CFP® designation and Series 63 and 65 licenses. He has 27 years of industry experience, including prior roles at Kalos Management and Sheppard Mosher & Associates. Mosher serves as a council member for the Town of Seneca, NY, participating in municipal governance since 2012. Arkadios Wealth Advisors provides investment and wealth management services to individuals, trusts, businesses, and retirement plans using a range of managed accounts, third-party managers, and financial planning. The firm supports advisors with an internal portfolio team and employs a mix of fundamental, technical, and cyclical analysis across asset classes.

Jason Mosher is a financial advisor at Arkadios Wealth Advisors and holds a Series 65 designation. He has experience working with Sheppard Mosher and Arkadios Capital, beginning his financial services career in 2022 after prior roles outside the industry. He is also involved in insurance and fixed annuity sales. Arkadios Wealth Advisors provides investment and wealth management services to individuals, trusts, businesses, and retirement plans through various programs, including advisor-managed accounts and third-party money manager access. The firm supports advisors with an internal portfolio team and employs a range of analytical approaches while offering fiduciary retirement plan consulting.

Matthew Bennage is a financial advisor with Commonwealth Financial Network, holding a Series 63 designation and 18 years of industry experience. He has worked with Commonwealth Financial Network since 2015, with additional experience at Weller Group LLC and Weller Financial Group. Bennage is also the owner of MDB Wealth Advisory, LLC, a private entity facilitating securities, advisory, and insurance business. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and back-office support, including investment management, compliance, and technology, allowing advisors discretion in constructing client portfolios from diverse securities and insurance products.

Nathan Van Bortel is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. His career includes roles at Commonwealth Financial Group, Canandaigua Financial Group, Cetera Investment Services LLC, and Canandaigua National Bank. He is also the owner of Sarkis Financial Corporation, a private entity involved in securities, advisory, and insurance business. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors and their clients. The firm offers a variety of advisory programs and services, including discretionary model portfolios and personalized investment solutions, while providing platform and operational support to affiliated advisors.

Wade Sarkis is a financial advisor with Commonwealth Financial Network, holding CFP® and Series 63 credentials and bringing 38 years of industry experience. He has worked at Commonwealth Financial Network since 1997, with a brief transition in 2025, and also maintains roles at Canandaigua Financial Group and Crossbridge Financial. Outside of advising, he manages a private family entity, Sarkis Family Fund, LLC. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, offering a range of advisory programs and services including wealth management, retirement plan consulting, and access to third-party asset managers. The firm provides operational, trading, technology, compliance, and practice-management support while enabling advisors to construct client portfolios from diverse securities and insurance products.

Daniel Ortiz is a financial advisor with Commonwealth Financial Network holding a Series 66 designation and six years of industry experience. He has worked at several firms, including Commonwealth Financial Network and Weller Group LLC. Ortiz serves as a Boatswain Mate Reservist Member in the United States Coast Guard Reserve. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors and their clients. The firm offers advisory programs, wealth management, and retirement plan consulting, providing operations, trading, technology, investment management, compliance, and practice-management support to affiliated advisors.

Mark Flaherty is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and seven years of industry experience. He is also co-owner of Weller Group, LLC, a private entity involved in securities, advisory, and insurance business. His career includes multiple tenures at Commonwealth Financial Network and ongoing involvement with Weller Group. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs, technology, and operational support, allowing advisors discretion in portfolio construction alongside managed model portfolios created by its Investment Management and Research team.

Alexa Glanzel is a financial advisor with Commonwealth Financial Network, holding a Series 65 designation and two years of industry experience. She has previously worked at Weller Group LLC and has experience outside finance, including a role at DiBella's Old Fashioned Submarines. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, providing a range of advisory programs and services. The firm supports its advisors with operations, technology, investment management, compliance, and practice-management resources, offering access to diverse investment solutions and model portfolios.

Ryan Martin is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and three years of industry experience. His prior work includes roles at Lincoln Financial Advisors, The Delong Company Inc, Lansing Trade Group, and Apex Diesel. Outside of advising, he is the owner of Oak & Ivy Land Company, LLC, a business focused on real estate and land management equipment in Geneva, NY. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, providing a range of advisory programs, investment management, and practice-management support. The firm offers discretionary model portfolios and various program structures while acting as a back-office and platform provider.

Joseph Amoddio is a financial advisor at Commonwealth Financial Network with a Series 65 credential and two years of industry experience. His prior work includes roles at Weller Group LLC, Heart of The Harvest, and United Parcel Service. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a range of advisory programs and support services, including custom portfolio solutions and retirement plan consulting, while delivering operations, trading, technology, compliance, and practice-management support to affiliated advisors.

Christopher Santelli is a financial advisor with Eagle Strategies (a New York Life company) based in Palmyra, NY. He holds Series 63 and Series 65 licenses and has 26 years of industry experience. Santelli has operated Santelli Financial Group, LLC since 2015 and has been affiliated with Eagle Strategies, NYLIFE Securities, and New York Life Insurance Company since 2003. Outside of his advisory work, he serves on the board of the Anthony Poselovich Memorial Foundation, a nonprofit supporting families of children with cancer, and is a certified pyrotechnician who conducts professional fireworks shows a few times per year. Eagle Strategies provides financial planning, investment advisory, and retirement plan consulting services to individuals, employer-sponsored retirement plans, trusts, charitable organizations, and corporate clients. The firm emphasizes client-directed solutions and the use of third-party managers and model portfolios, operating as an indirect subsidiary of New York Life with a broad network of advisors.

Timothy Weller is a CFP® with 33 years of industry experience, currently affiliated with Commonwealth Financial Network. He has worked at Commonwealth since 2003, with additional experience managing his own firm, Weller Group LLC. Outside of his advisory role, he is co-owner of a private entity facilitating securities business and is involved in a local snowplowing service. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, providing a range of advisory programs and back-office support including operations, trading, technology, and compliance. The firm offers discretionary model portfolios and multiple program structures to support diverse client needs.

Timothy Veazey is a financial advisor with Commonwealth Financial Network, holding CFP® and ChFC® designations and over 32 years of industry experience. He has worked at Lincoln Financial Advisors for nine years and currently serves as president and owner of Acre Equity Advisors, LLC. Commonwealth Financial Network supports a national network of advisors by providing operations, technology, investment management, and compliance services, allowing advisors discretion in portfolio construction and access to a range of advisory programs and strategies.

Amy Roxin is a financial advisor with Principal Financial Services, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She has previously worked at LPL Financial and Key Investment Services LLC. Outside of advising, she is co-president and owner of a micro wine vineyard in Canandaigua, NY. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and business entities. The firm offers direct advisory programs, financial planning, and access to third-party money managers through various advisory and promoter arrangements.

Russell Barone is a financial advisor with Commonwealth Financial Network in Canandaigua, NY, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has been associated with Commonwealth Financial Network since 2002 and with Canandaigua Financial Group since 2011. Barone also offers accounting services through his CPA practice, which he has maintained since 1998. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and support services, including portfolio management, retirement plan consulting, and access to model portfolios managed by its Investment Management and Research team.

Adam Casper is a CFP® professional with 11 years of experience in the financial services industry. He is currently with Commonwealth Financial Network and is also a co-owner of Weller Group LLC, a private entity involved in securities, advisory, and insurance business. His prior experience includes five years at Edward Jones. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a range of advisory programs and support services, including discretionary model portfolios and customized investment solutions, while operating as a back-office and platform provider.

Philip Ashe is a financial advisor at Kestra Advisory with 13 years of industry experience. He has held roles at Kestra Advisory Services, LLC since 2016 and Regent Financial Group since 2014. In addition to his advisory work, he provides business consulting services to independent professionals, including business research, forecasting, and educational seminars. Kestra Advisory Services offers investment advisory and retirement-plan consulting to institutional and individual clients, providing services such as fiduciary consulting, plan design, and advisor-managed accounts. The firm serves a wide range of clients, including large institutional investors, and manages approximately $79.8 billion in assets.

Austin Allen is a financial advisor with Empower Advisory Group, holding Series 63 and Series 66 licenses and two years of industry experience. His career includes roles at Empower Financial Services, Strategic Financial Solutions, and Eagle Insurance, as well as five years working in education at the junior and high school levels. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, offering integrated services connected to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and savings rates in its planning approach and serves a large participant base relative to its advisor headcount.

Sara Overslaugh is a financial advisor with &Partners, LLC, holding Series 63 and Series 65 credentials and bringing 21 years of industry experience. Her prior roles include positions at Wells Fargo Clearing and Wells Fargo Advisors LLC, where she worked for a combined 15 years. &Partners serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and private business owners. The firm offers a broad range of services such as portfolio management, financial and tax planning, estate and trust consulting, and retirement plan education, utilizing a combination of proprietary and third-party strategy models along with platform technology.

David Stalker is a financial advisor with Primerica Advisors in Canandaigua, NY, holding a Series 63 designation and 19 years of industry experience. He has been with Primerica Advisors since 2008 and has worked with Primerica Financial Services since 2001. Outside of his financial advisory role, he is a partner and brewer at Disbatch Brewing Company in Macedon, NY. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure, with portfolio implementation delegated to BNY Mellon Advisors.

Devon Littlefield is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. Prior to joining LPL Financial in 2022, he worked at Cco Investment Services Corp from 2009 to 2016. He also serves as an advisor and manager at Reliant Community Federal Credit Union and its related investment services. 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 range of investment solutions supported by an in-house research team, combining large-scale advisory operations with non-advisory products such as insurance and annuity sales, cash-management, and lending services.

Mary Robertson is a financial advisor with Cambridge Investment Research Advisors and holds a Series 63 designation. She has 40 years of industry experience, including 27 years at Cadaret, Grant & Co., Inc., and has operated MRB Financial Services, LLC since 1993. Cambridge Investment Research Advisors serves a diverse client base including individual investors, retirement plans, charitable organizations, and pension/profit-sharing plans through a network of independent Financial Professionals. The firm offers financial planning, portfolio management, and retirement plan advisory services using various account platforms and third-party strategists.

Leontios Akavalos is a financial advisor at Edelman Financial Engines with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at J.P. Morgan Securities, JPMorgan Chase Bank, Wells Fargo Clearing, and Wells Fargo Bank. He is also the owner of LA Capital Management LLC, though he does not actively work in this business. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios and supports a large client base through advisor-led and online offerings.

Brent Ascroft is a financial advisor at Edward Jones with 25 years of industry experience. He has been with Edward Jones since 2000 and holds Series 63 and Series 65 designations. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management through a large nationwide network of financial advisors and branch offices, offering a range of advisory programs and investment strategies under a fiduciary standard.

Scott Ditzell is a financial advisor with Mass Mutual Investors Services, holding the Series 63 designation and 15 years of industry experience. He has been with Mass Mutual Investors Services since 2010 and has worked with MassMutual Life Insurance Co since 2009. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap programs, money-manager programs, and educational seminars, structuring financial planning as annual, collaborative relationships with clients.

Jacob Carrier is a financial advisor with Primerica Advisors in Canandaigua, NY, holding Series 63 and Series 65 licenses and having six years of industry experience. His work history includes roles at Primerica Financial Services since 2018 and Barkman Honey since 2021. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm emphasizes a tiered wrap-fee structure and curates third-party asset managers while maintaining oversight of its investment models.

Jered Maloney is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and six years of industry experience. His prior work includes roles at ESL Investment Services, LPL Financial, and KeyBank. He also serves as a wealth advisor for Canandaigua National Bank and Trust, where he collaborates with team members to evaluate client profiles and determine suitable platforms. Cetera Investment Advisers serves a diverse client base, including individual, high-net-worth, institutional, and retirement-plan clients, through a large network of independent advisors. The firm offers a range of portfolio management, financial planning, and fiduciary services, combining advisor-managed accounts with firm-sponsored model portfolios and third-party solutions.

Melissa Streber is a financial advisor with LPL Financial, holding a Series 66 designation and five years of industry experience. She has worked at LPL Financial since 2022 and previously held roles at Cuna Brokerage Services Inc. and Reliant Community FCU. Outside of her advisory work, she is a New York State Notary and is involved with Fierce Fitness. 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 wide range of investment solutions supported by an in-house research team and combines large-scale advisory operations with additional financial products and services.

William Fiorica is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Merrill, Bank of America, Citizens Bank, Equitable Financial Life, and AXA Advisors. Outside of finance, he is the owner of Brilliant Jewelers, a jewelry creation hobby business he has maintained since 1989. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering non-discretionary advisory services supported by an in-house due diligence and manager solutions team.

Bruce Bowman is a financial advisor with Mass Mutual Investors Services and holds the Series 63 designation. He has 39 years of industry experience, including roles at MetLife Securities Inc. and Metropolitan Life Insurance Company. Outside of his advisory work, he serves as a trustee overseeing the financial activities of a local fraternal organization. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning, asset management, and educational services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm focuses on collaborative, goal-driven planning using firm-approved analytical tools and offers a range of investment and planning programs.

Andrew Ward is a CFP® professional with nine years of industry experience, currently affiliated with LPL Financial in Canandaigua, NY. His career includes multiple roles at LPL Financial and ESL Investment Services, LLC, as well as experience at Keybank and American Portfolios Financial Services, Inc. He is also involved in non-variable insurance sales through ESL Investment Services. LPL Financial provides advisory and brokerage services to a wide range of clients, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers diverse investment solutions supported by an in-house research team and a large network of investment adviser representatives, combining advisory operations with insurance and credit products.

Trevor Lacz is a financial advisor with LPL Financial in Canandaigua, NY, holding Series 63 and Series 66 credentials and two years of industry experience. He has worked at ESL Investment Services, LLC, LPL Financial, and ESL Federal Credit Union. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households, offering a range of financial planning and investment management solutions supported by an in-house research team.

Robert Gringeri is a financial advisor with Wells Fargo Clearing in Geneva, NY, holding a Series 63 designation and 39 years of industry experience. He has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Outside of his advisory work, he is a board member of the Town of Geneva Planning Board and a partial owner of the Vanderbilt Marsh Hunting Club. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory. The firm includes insurance-related products and bank deposit sweep options in its investment menus, serving institutional clients with a fiduciary approach.

David Deraddo is a CFP® professional with 14 years of industry experience, currently affiliated with LPL Financial in Farmington, NY. He has worked at LPL Financial and Lyons National Bank since 2011. 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 range of investment solutions supported by an in-house research team and delivers services through a large network of investment adviser representatives.

Jason Swartley is a financial advisor at OSAIC with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Mass Mutual Investors Services, Hornor Townsend & Kent LLC, and Securities America. Outside of his advisory role, he serves as an elected committee member for the Seneca County Republican Party representing the Town of Fayette. OSAIC Wealth, Inc. is an SEC-registered investment adviser and FINRA member broker-dealer serving a broad client base, including individual investors, pension plans, corporations, and charitable organizations. The firm employs a comprehensive investment process incorporating risk tolerance assessments, asset allocation tools, and portfolio optimization, offering access to various custodial platforms and investment products.

William Morris is a Financial Consultant at Fidelity Investments, where he has worked since 2011 in various roles. His current position involves collaborating with clients to understand their financial goals and assessing their progress towards these goals. He utilizes Fidelity's resources and his experience to develop financial plans aimed at maximizing clients' fulfillment throughout their lives. Prior to his current role, William has held positions including Retirement Solutions Representative, Central Relationship Manager, Investment Solutions Representative, Premium Relationship Associate, College Planning Specialist, and Securities Trader, all within Fidelity Investments. This progression reflects over a decade of experience in financial services, with a focus on investment and retirement planning. No specific information about William's educational background or personal interests has been provided.

John Mccarthy is a financial advisor at LPL Financial with 33 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Cadaret, Grant & Co., Inc. for 12 years. LPL Financial serves a diverse client base including individual investors, retirement plan sponsors, banks, charities, and high-net-worth households, offering a range of advisory and brokerage services supported by an in-house research team and various investment delivery options.

Tim Vangorder is a financial advisor with Primerica Advisors based in Canandaigua, NY, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. He has worked with PFS Investments, Inc. since 2006 and has been affiliated with Primerica Financial Services since 1999. Outside of advisory services, he is involved in the sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which serves individual and high-net-worth clients with model-delivery strategies and a select number of separately managed account options. The firm curates third-party asset managers and uses a tiered wrap-fee structure, focusing on model-based portfolio management rather than institutional pension or profit-sharing plan management.

Donald Rayburn Jr. is a Series 66-licensed financial advisor with Edward Jones in Geneva, NY, where he has worked since 2014, accumulating 11 years of industry experience. Outside of his advisory role, he owns and oversees Waters Edge Bed and Breakfast Resort and manages operations for North Shore Wellness Club. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary strategies, and offers affiliated mutual funds and a proprietary money market fund. The firm manages approximately $1.01 trillion in assets with a large network of advisors and branch offices nationwide.

Stephen Murawski is a financial advisor with Thrivent Investment Management in Newark, NY, holding a Series 66 designation and three years of industry experience. He has been with Thrivent and its affiliates since 2022 and previously served in local government for 15 years. Outside of his advisory role, Murawski serves as an Associate Pastor and a member of the Board of Trustees at New Life Assembly of God in Lyons, NY. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive planning on topics such as retirement, tax, estate, and special needs without implementing recommendations directly. The firm supports holistic, goal-based analyses and allows clients to combine planning with managed-account programs through a consolidated billing option.

Derek Brooks is a CFP® certified financial advisor with 16 years of industry experience, currently practicing at Wells Fargo Advisors. He has held roles at Wells Fargo Advisors and Wells Fargo Clearing since 2009. Outside of his advisory work, he is involved in The Lights Band LLC, which performs and releases original music. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients with a broad range of financial planning and investment services tailored to clients who meet specific net-worth criteria. The firm combines advisory services with other financial products and referral channels, offering diverse planning options and compensation arrangements.

Thomas Kingsley is a financial advisor with Primerica Advisors in Bloomfield, NY, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked with Primerica Advisors and Primerica Financial Services since 1996. In addition to his advisory role, he is involved in the sale of loan products, home security, automation, and other home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed account options. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Marc Kreuser is a CFP® with 30 years of industry experience, currently serving as a financial advisor at Ameriprise in Newark, NY. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with substantial investable assets, providing detailed Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in a structured approach delivered by a centralized consulting team.

Dylan Colletta is a Series 66-licensed financial advisor with eight years of industry experience, currently with Morgan Stanley in Farmington, NY since 2018. His prior work includes roles at Axa Advisors, LLC, Relin Goldstein & Crane, LLP, and Champion Hills Country Club. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and models.

Dylan Joy is a financial advisor at Ameriprise with five years of industry experience. He holds the Series 66 designation and has worked at Ameriprise since 2020. Prior to that, he held roles at Dick's Sporting Goods and National General Insurance. Outside of his advisory work, he serves as an assistant coach for a local high school lacrosse team. Ameriprise is a large institutional firm that offers retirement-income planning services primarily for individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations delivered in partnership with its financial advisors.