Jon Orcutt is a financial advisor at AFL Advisory Group LLC with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has been with AFL Advisory Group since 2013. Outside of advising, he writes a subscription-based investment newsletter through his company, Allocation for Life, which he started in 2011. AFL Advisory Group LLC is an independent firm managing approximately $25.1 million for around 73 clients, including individuals, high-net-worth clients, pension and profit-sharing plans, and charitable organizations. The firm uses a combination of fundamental and cyclical analysis with modern portfolio theory, employing long-term trading alongside tactical and strategic allocation.

Dana Cornell is a CFP® professional affiliated with Lincoln Park Capital LLC and holds a Series 63 license. Based in Olean, NY, Cornell has experience in financial advising through this SEC-registered investment adviser. Lincoln Park Capital LLC provides discretionary portfolio management services to private wealth clients, qualified retirement plans, companies, and other institutional clients. The firm employs a tactical asset allocation strategy using model portfolios tailored to client goals and risk tolerance, incorporating various analytical methods and active portfolio monitoring.

Dylan Vincent is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and three years of industry experience. He previously worked at Edward Jones and Cedarwood Financial Partners. Outside of his advisory role, Dylan serves as a baseball coach at Olean High School. Commonwealth Financial Network supports a national network of approximately 2,950 advisors, providing a range of advisory programs and services including wealth management, retirement plan consulting, and discretionary model portfolios. The firm offers operational, trading, technology, compliance, and practice-management support to affiliated advisors.

Shawn Derrick is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 11 years of industry experience. He previously worked at Community BANK and INVEST Financial Corp before joining Commonwealth in 2018 and later Cedarwood Financial Partners. In addition to his advisory work, he is involved in tax preparation services through Wheat & Fitzpatrick, CPA. 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 operations, trading, technology, investment management, and compliance, allowing advisors discretion in portfolio construction and access to managed model portfolios.

Aaron Vincent is a financial advisor at Commonwealth Financial Network with a Series 66 designation and two years of industry experience. His prior roles include positions at Cedarwood Financial Partners, Jamestown Community College, Bartlett Country Club, and several local schools. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing about $213 billion in client assets. The firm offers a broad adviser-support platform with discretionary and nondiscretionary managed-account programs, access to third-party asset managers, and custody services.

Troy Vincent is a financial advisor with Commonwealth Financial Network and Cedarwood Financial Partners, holding Series 63 and Series 66 credentials and 21 years of industry experience. He previously worked at Edward Jones for 15 years. Vincent is also co-owner of Cedarwood Financial Partners, LLC. Commonwealth Financial Network serves a national network of nearly 2,900 advisors and manages over $212 billion in client assets. The firm provides a broad adviser-support platform that includes managed-account programs, access to third-party asset managers, retirement and plan consulting, and custody and clearing services.

Timothy Hall is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and seven years of industry experience. He has previously worked at Edward Jones and Southern Tier Electric Supply. Hall is a co-owner of Cedarwood Financial Partners, LLC, where he dedicates full-time effort, and he is also involved in fixed insurance sales. Commonwealth Financial Network serves a national network of approximately 2,950 advisors, providing a range of advisory programs and back-office support. The firm offers discretionary portfolio management, a variety of investment solutions, and technology and compliance services to affiliated advisors.

Lucas Burton is a financial advisor at Cetera with 16 years of industry experience. He holds a Series 66 designation and has worked previously at Lincoln Park Capital LLC and Lincoln Financial Securities Corporation. Outside of his advisory role, Burton owns LB EMF, LLC, a tax services business, and Enchanted Mountains Financial, which provides financial services. Cetera Investment Advisers serves 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 solutions, supported by both advisor-managed accounts and firm-sponsored model portfolios.

Joseph Neff is a CFP® and holds a Series 66 license with eight years of experience in the financial industry. He has been with Edward Jones since 2018, following prior roles at Mindshare, Hearst, Ecolab, and Penn State University. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Sonya Hirt is a financial advisor with Morgan Stanley in Olean, NY, holding a Series 66 designation. She has been with Morgan Stanley since 2023 and previously worked for 26 years at Cutco Cutlery. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individual and institutional clients. The firm provides a variety of advisory programs and financial planning services supported by structured discovery processes and advanced modeling tools.

Zachary Woodel is an Associate Financial Advisor at Ameriprise with two years of industry experience. He has been with Ameriprise since 2022 and previously spent ten years working at Tasta Pizza and Taproom. Outside of his advisory role, he serves on the boards of the Italian Club and the Bradford Chamber Foundation. Ameriprise is a large institutional firm offering a retirement-income planning service aimed at individuals approaching or in retirement with substantial investable assets. The firm provides comprehensive advisory, brokerage, and insurance solutions through affiliated companies, utilizing a centralized consulting team and algorithmic tools to deliver tailored, tax-efficient retirement income recommendations.

Eileen Proto is a financial advisor with Cetera in Olean, New York, holding a Series 63 designation and seven years of industry experience. She has worked at various entities within Cetera since 2017 and is involved in several business activities outside of financial advising, including assisting with tax preparation and accounting at Proto & Loskey CPA LLC, supporting property management for multiple real estate holdings, and serving on the boards of the YMCA Association and United Way of Western New York. Additionally, she is engaged with a local wholesale bakery, Luigi's Pane & Pasta, and maintains a photography website offering services to local charities. 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 solutions, utilizing a combination of advisor-managed accounts, model portfolios, and third-party managed solutions.

John Mclaughlin III is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. His prior experience includes nine years at Stifel Nicolaus & Co Inc before joining Ameriprise in 2020. Outside of his advisory role, he has involvement in commercial real estate ownership. Ameriprise provides retirement-income planning services targeting individuals nearing or in retirement with significant investable assets, delivering written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and offers a broad range of advisory, brokerage, and insurance solutions through its institutional platform.

Sarah Boser is a Series 66 licensed financial advisor with Cetera, based in Bradford, PA, and has three years of industry experience. She has held roles at various Cetera entities since 2022 and has additional experience in tax planning as an office manager and master tax advisor at Fox Holdings Inc dba H&R Block. Outside of her advisory work, she serves as a committee member for Bradford Area Christian Academy and is an auxiliary member of the Frances Sherman Auxiliary to VFW Post 212. Cetera Investment Advisers serves a diverse client base including individuals, high-net-worth clients, institutions, and retirement plans through a network of independent advisors. The firm offers a range of portfolio management, financial planning, and fiduciary solutions, utilizing advisor-managed accounts, firm-sponsored model portfolios, and third-party managed solutions.

Jillian Pleakis is a financial advisor at Morgan Stanley with 19 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that uses structured discovery and advanced modeling tools.

Ronald Dapolito is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and 31 years of industry experience. He has been with Cambridge Investment Research Advisors since 2005 and has operated his own accounting and tax business since 1975. Outside of his advisory work, he serves as a trustee for St. Joseph Church in Olean, NY, and is a board member and treasurer of the Olean Teacher/Postal Credit Union. Cambridge Investment Research Advisors serves a diverse client base including individual investors, retirement plans, and charitable organizations through a large network of independent financial professionals. The firm offers financial planning, portfolio management, and retirement plan advisory services, utilizing multiple account platforms and third-party strategists.

Linda Maley is a financial advisor with Cetera, holding the CFP® and ChFC® designations and over 31 years of industry experience. She has worked with firms including Avantax Insurance Agency, Fox Financial, and Cetera Wealth Services. Outside of advisory work, she is an enrolled agent providing tax preparation and bookkeeping services through Fox Holdings Inc, which operates as H&R Block. Cetera Investment Advisers serves a wide range of clients, including individuals, high-net-worth investors, institutions, and retirement plans, offering portfolio management, financial planning, and fiduciary solutions through a network of independent advisors.

Donna Hollenbeck is a financial advisor at Edward Jones in Bradford, PA, holding the CFP®, ChFC®, and Series 63 designations with 39 years of industry experience. She has been with Edward Jones for 20 years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices nationwide.

John Irving is a financial advisor at Mass Mutual Investors Services with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Mass Mutual Investors Services since 2017, previously spending nine years at Metlife Securities. Irving serves as a board member of the Olean Housing Authority, where he helps maintain organizational policies. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm offers a range of investment and planning programs including educational seminars and event-driven planning such as divorce and estate-settlement services.

Nathan Chapman is a financial advisor with LPL Financial in Bradford, PA, holding Series 63 and Series 66 licenses and three years of industry experience. His prior work experience includes roles at Northwest Bank and Central Transport. Outside of advising, he is a Notary Public. 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 a large network of investment adviser representatives.

Kelly Lent Paul is a CFP® and ChFC® with 28 years of experience in financial services, currently affiliated with Cetera. Her career includes roles at Avantax Insurance Agency, Fox Financial, and as an educator providing training to other professionals. Outside of advising, she is involved in tax preparation as a Master Tax Advisor and participates in continuing education through the National Association of Tax Professionals. Cetera Investment Advisers serves a diverse client base including individuals, high-net-worth clients, institutions, and retirement plans through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, combining advisor-managed accounts, model portfolios, and third-party solutions, alongside retirement and fiduciary capabilities not commonly found at firms of its size.

Stephanie Aloi is a financial advisor with Cetera, holding a Series 63 designation and eight years of industry experience. Her work history includes roles at Cetera Wealth Services, Avantax Insurance Agency, and Fox Financial, where she is also a financial professional. Outside of advising, Aloi is involved in tax preparation and bookkeeping, and she sells fixed insurance products such as life, annuities, and long-term care insurance. Cetera Investment Advisers serves a diverse client base including individuals, high-net-worth clients, institutions, and retirement plans, offering portfolio management, financial planning, and fiduciary solutions through a large network of independent advisors. The firm employs a variety of investment programs and combines retirement and fiduciary capabilities with a broad institutional platform.

Craig Ryan is a financial advisor with Equitable Advisors in Olean, NY, holding a Series 66 designation and 22 years of industry experience. He has been with Equitable Advisors since 2003, having also worked with Axa Advisors during that time. Outside of his advisory role, he serves as a board member and treasurer for the Bartlett Country Club in Olean. Equitable Advisors provides financial planning, retirement plan support, and asset management services to individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm employs a hybrid referral and implementation model, utilizing third-party asset managers and offering both advisory and brokerage channels to meet client needs.

Patrick Hollenbeck is a financial advisor at Edward Jones with eight years of industry experience. He holds a Series 66 designation and has worked at Edward Jones since 2017. Outside of his advisory work, he serves as an assistant swim coach at the Bradford Family YMCA, where he teaches swimming techniques to children ages 6 to 18. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies and affiliated services through a nationwide network of over 23,700 advisors.

Tallena Kallenbach is a financial advisor at Morgan Stanley with seven years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients. The firm emphasizes tailored financial planning supported by structured discovery conversations and planning tools, managing approximately $2.74 trillion in client assets.

Subir Barua is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked with Prudential Insurance Company of America since 1993 and was affiliated with Pruco Securities, LLC. for over three decades. Barua maintains a role as a Prudential agent specializing in property and casualty insurance. LPL Enterprise provides advisory services through a large network of investment adviser representatives to a diverse client base including individuals, retirement plans, charitable organizations, and corporate clients. The firm offers financial planning, access to model wealth portfolios, and third-party asset management programs, combining advisory and brokerage services along with affiliated insurance products.

Pamela Shumway is a financial advisor with Morgan Stanley in Olean, NY, holding a Series 63 designation and bringing 29 years of industry experience. She has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and previously with Citigroup Global Markets starting in 1998. Outside of her advisory role, she has independent contractor roles with companies in the diet and beauty product industries. She is affiliated with Morgan Stanley Wealth Management, which provides a broad range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning services. The firm employs a structured planning process supported by proprietary tools and serves clients through both direct engagements and corporate arrangements.

Thomas Stolberg is a financial advisor with LPL Financial, holding a Series 63 designation and 19 years of industry experience. Prior to joining LPL in 2025, he worked for Cadaret, Grant & Co., Inc. for 17 years and has been involved with Frontier Financial Group, LLC since 2006. He also has a background in accounting, having operated Thomas E. Stolberg, CPA for over three decades. 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 solutions supported by an in-house research team and a large network of investment adviser representatives.

Vicky Steffenhagen is a Series 66-licensed financial advisor with Morgan Stanley in Olean, NY, where she has worked since 2012. She has nine years of industry experience. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools such as Secular Return Estimates and Monte Carlo simulations as part of its advisory process.

Nick Lyons is a financial advisor at Cetera with two years of industry experience. He holds a Series 66 designation and has worked at several firms including Edward Jones, Commonwealth Financial Network, and Cedarwood Financial Partners. Lyons is also the owner of NJL Consulting LLC and Piedmont Financial Partners, which provide financial and investment management services. Cetera Investment Advisers serves a broad range of clients including individual, high-net-worth, institutional, and retirement-plan investors through a large network of independent advisors. The firm offers a variety of portfolio management and fiduciary solutions, combining advisor-managed accounts, firm-sponsored model portfolios, and third-party managed options.

Corey Haas is a financial advisor with Morgan Stanley in Olean, NY, holding a Series 66 designation and six years of industry experience. His work history includes roles at Morgan Stanley Private Bank, N.A., and Morgan Stanley since 2018, as well as experience outside finance with Haas Contracting and teaching positions at McDaniel College and St. John Fisher College. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs, employing structured financial planning tools and managing approximately $2.74 trillion in client assets.

Kady Weisner is a Series 66-licensed financial advisor at Edward Jones with six years of industry experience. She has worked at Edward Jones since 2015 and has a background that includes time at St. Bonaventure University. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large network of financial advisors and branch offices.

Nathan Higbie is a financial advisor at Ameriprise with one year of industry experience. He holds a Series 66 designation and has prior work experience outside the financial industry, including roles in the food service sector. Ameriprise provides retirement-income planning services for individuals approaching or in retirement, focusing on clients with significant investable assets. The firm offers a range of advisory, brokerage, and insurance solutions through affiliated companies and uses a centralized consulting team to deliver non-discretionary, research-driven retirement income recommendations.

Mark Hendrix is a CFP® professional with 38 years of industry experience, currently affiliated with Cetera. He has held roles at Cetera Wealth Services, TruNorth Financial Advisors, and operates Both Branch Hendrix Inc, Holcomb Insurance Agency, and Budget Auto Home of NY. Outside of financial advising, he serves as a board member and chair of the finance committee for the First Presbyterian Church of Portville, NY, where he is also involved in property maintenance. 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 solutions, combining advisor-managed accounts with firm-sponsored model portfolios and third-party managed options.

Paula Derwick is a CFP® professional with 35 years of experience in the financial industry, currently affiliated with Cetera. Her career includes long-term roles at Fox Holdings, Inc. dba H&R Block and Fox Financial Services, where she serves as president and shareholder, as well as extensive experience with Avantax firms. She is active in her community, serving on the boards of local nonprofits including the Hope Center and the Neighborhood Museum of Play, and participates in church leadership through the Christ United Methodist Church. 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, financial planning, and fiduciary services supported by affiliated investment management and trust companies.

Joseph Colosimo is a financial advisor at Ameriprise with Series 65 and Series 66 credentials and one year of experience at the firm. His prior roles include positions at CNB Bank and Erie Bank, where he worked for a combined five years, as well as five years at Superior Tire. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning focused on dependable income sources and tax-aware withdrawal strategies through its Ameriprise Premier Retirement Income service.

Todd Allen is a financial advisor with Morgan Stanley in Olean, NY, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and previously at Citigroup Global Markets. Allen serves on the investment committee and board of directors for the Jamestown Community College Foundation. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets through structured planning tools and a variety of investment offerings.

Teresa Barie is a CFP® professional with 31 years of experience in the financial services industry. She is currently with Cetera and has held roles at Avantax Advisory Services and Fox Financial, among others. In addition to her advisory work, she manages tax preparation and bookkeeping services as an office manager and vice president at Fox Holdings, Inc., which operates H&R Block and Fox Financial Services. 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 solutions, supported by various model portfolios and program structures.

Louis Proto is a CFP® professional with 27 years of industry experience, currently affiliated with Cetera. He has held roles at various entities including Proto Financial Group and Proto & Loskey, LLC CPA, where he oversees accounting and tax services. Outside of financial advising, Proto owns and operates Luigi's Pane, a local bakery, and serves as treasurer for a state senate campaign, managing financial records. 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 portfolio management, financial planning, fiduciary solutions, and access to third-party money managers, utilizing a range of advisor-managed and firm-sponsored investment programs.

Chadwick Murray is a CFP® professional with 15 years of industry experience, currently affiliated with LPL Financial since 2018. He has prior experience at Invest Financial Corporation and Community BANK, where he has worked since 2012. LPL Financial provides advisory and brokerage services to a wide range of clients, including individual investors, retirement plan sponsors, banks, and high-net-worth households. The firm offers diverse investment delivery options supported by an in-house research team and combines large-scale advisory operations with various non-advisory product activities.

Scott Derwick is a CFP® professional with 27 years of experience in financial advising, currently associated with Cetera since 2023. His career includes longstanding roles at Avantax Advisory Services, Fox Financial, and related entities dating back to 1998. Outside of advising, he serves as vice president of the Bartlett Country Club board, is an honorary board member of the Olean General Hospital Foundation, and is involved in local nonprofit and business activities including a golf simulator enterprise and school foundation board membership. Cetera Investment Advisers supports a diverse client base including individuals, high-net-worth clients, institutions, and retirement plans through a network of independent advisors and a range of portfolio management and fiduciary services. The firm combines advisor-managed accounts, model portfolios, and third-party solutions with retirement and trust capabilities uncommon for its size.

Meghan Palumbo is a financial advisor at Morgan Stanley with 24 years of industry experience. She previously worked at LPL Financial and M&T Securities Inc. before joining Morgan Stanley. Palumbo holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management provides a range of advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery conversations and firm-approved tools, with an emphasis on advisory guidance rather than individual security recommendations.

Kyle Kirk is a financial advisor at Ameriprise with five years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at LPL Financial and Northwest Bank. Kirk serves on multiple nonprofit boards, including the McKean County Community Foundation and Beacon Light Adult Residential Services, and is involved with a local scholarship program through the McKean County Community Foundation. Ameriprise offers retirement-income planning services focused on clients with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized recommendations through a centralized consulting team.