Joseph Muratore is a financial advisor at Citizens Securities, Inc. in Syracuse, NY, with 16 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Citizens Securities since 2017 and M&T Securities since 2015. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm operates both a digital advisory program with ETF-based portfolios and a managed account program, while also functioning as a broker-dealer and insurance agency.

Donald Puff is the principal of Djpuff Advisors Group, Inc. in Camillus, NY, with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has led Djpuff Advisors Group since 2006. In addition to his advisory role, he operates as a general agent in insurance sales, focusing on life, health, long-term care insurance, and fixed annuities. Djpuff Advisors Group provides model-portfolio services to broker-dealers and their associated persons through a Strategic Asset Reallocation program, using momentum analysis and a velocity filter to manage portfolios primarily composed of mutual funds and variable annuity sub-accounts. The firm serves broker-dealer clients rather than retail investors and is compensated by those clients rather than through traditional retail asset-based fees.

Jerry Gambell is a financial advisor at Voya Financial Advisors, Inc. with six years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at firms including PFS Investments Inc. and Primerica Financial Services. Outside of his advisory work, he is an author who occasionally writes books. Voya Financial Advisors, Inc. serves a diverse client base including individuals, institutions, retirement plan sponsors, and high-net-worth clients. The firm offers financial planning, portfolio management, and third-party money manager access through various program structures, primarily providing non-discretionary, recommendation-based advice.

David Keim is a ChFC® with 39 years of industry experience. He has been with Commonwealth Financial Network since 2005. Keim is the sole member of Keim Asset Management, LLC, an entity created for securities and insurance business activities. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and hundreds of thousands of clients. The firm provides a broad adviser-support platform that includes managed-account programs, access to third-party asset managers, and custody and clearing services.

Katelyn Kriesel is a financial advisor at Commonwealth Financial Network with 13 years of industry experience. She holds Series 63 and Series 65 credentials and previously worked at Cadaret, Grant & Co., Inc. for 10 years. Outside of her advisory role, she serves as an elected Town Councilor for the Town of Manlius. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors with a range of advisory programs and services, including wealth management and retirement plan consulting. The firm provides operational, trading, technology, investment management, compliance, and practice-management support to affiliated advisors.

Christopher Keegan is a financial advisor with Commonwealth Financial Network based in East Syracuse, NY, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been affiliated with Commonwealth and Diversified Wealth Strategies, LLC since 2008. 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 customized portfolio solutions, trading and technology platforms, and compliance and practice-management resources.

James Tucker IV is a Series 66-licensed financial advisor with nine years of industry experience. He is currently affiliated with Commonwealth Financial Network and Madison Financial Planning Group, having held prior roles at Lincoln Financial Advisors, Bank of America, and Merrill. Commonwealth Financial Network serves a national network of approximately 2,900 advisors and manages about $212.7 billion in client assets. The firm offers a comprehensive adviser-support platform including managed-account programs, access to third-party asset managers, and custody services, with a broad range of investment options and back-office support.

Michael Porzucek is a ChFC® with 32 years of industry experience. He has worked at Independent Financial Partners since 2021 and previously spent 16 years with Key Investment Services LLC. Outside of his advisory role, he is co-owner and general partner of Watertree Holdings, a real estate venture. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisors. The firm supports a multi-advisor platform serving tens of thousands of individual, charitable, corporate, and high-net-worth clients, with a notable focus on retirement-plan advisory and pension consulting services.

Daniel Hopkins is a financial advisor at OSAIC Institutions, Inc. with 39 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Ameriprise and Royal Alliance Associates, Inc. prior to joining OSAIC. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a broad network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, wrap programs, and access to alternative investments and lending solutions, operating with a hybrid adviser/broker-dealer structure.

Michele Conte is a financial advisor with Commonwealth Financial Network in Syracuse, NY, holding Series 63 and Series 65 licenses and with 46 years of industry experience. She has been co-owner of Crossbridge Financial Group of CNY, Inc. since 1998, where she also conducts her advisory practice. Conte is involved in tax preparation as a minor non-investment activity. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a variety of advisory programs and operational support, enabling advisors to offer customized portfolio management and a broad range of investment products.

Anthony Markusz is a financial advisor at TIAA-CREF with 10 years of industry experience. He holds the CFP® and Series 66 credentials and has previously worked at Heritage Wealth Advisors, Ameriprise, and Equitable Advisors. In addition to his advisory role, he is a licensed real estate salesperson involved in listing and selling homes in Syracuse, NY. TIAA‑CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals connected with TIAA-administered employer retirement plans, as well as to trusts, estates, and small retirement plans. The firm’s advisory model separates defined planning services from ongoing discretionary management and includes offerings of both model and customized portfolios.

Jackson Tarr is a financial advisor at Citizens Securities, Inc. with four years of industry experience. He holds the Series 66 designation and has previously worked at MML Investors Services, LLC, MassMutual Life Insurance Company, and several independent school districts. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans. The firm offers investment advisory programs, brokerage, and insurance services, including a digital advisory program and a Managed Account program.

Amanda Stein is a financial advisor at Commonwealth Financial Network with six years of industry experience. She holds a Series 66 designation and previously worked at Voya Financial Advisors from 2015 to 2022. Stein is based in Fayetteville, NY. 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 services, including wealth management and retirement plan consulting, and supports advisors with operations, technology, compliance, and investment management.

Brian Pirritano is a financial advisor at Citizens Securities, Inc. in Syracuse, NY, holding Series 63 and Series 66 licenses with 11 years of industry experience. Prior to joining Citizens Securities in 2025, he worked for HSBC Securities (USA) Inc. from 2016 to 2025. He serves as a board member of a homeowners association in his local community. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering both investment advisory programs and brokerage and insurance services. The firm provides a digital advisory program using ETF-based portfolios and also operates as a broker-dealer and insurance agency.

Paul Madden is a financial advisor with Janney Montgomery Scott in Syracuse, NY, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Janney Montgomery Scott since 2015 and concurrently serves in the United States Air Force. Outside of his financial career, Madden is a basketball official with IAABO Board 38, refereeing high school basketball games. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering brokerage, financial planning, consulting, and advisory programs.

Matthew Pfeiffer is a financial advisor at Independent Financial Partners with 27 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Key Investment Services LLC for 11 years. Pfeiffer is also the owner of Harbor Wealth Advisors CNY, Inc., a financial services company, and is involved in insurance and annuity support roles. Independent Financial Partners offers investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisers. The firm supports a multi-advisor platform serving a wide range of clients, with a notable focus on retirement-plan advisory and pension consulting services.

James Finlay is a financial advisor at Citizens Securities, Inc. in Syracuse, NY, holding Series 63 and Series 65 licenses with 15 years of industry experience. He has spent several years with Citizens Securities and Citizens Bank in various roles since 2016. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering investment advisory programs as well as brokerage and insurance services. The firm has both a digital advisory program utilizing ETF-based portfolios via proprietary algorithms and a Managed Account program.

Kyle Jones is a financial advisor with Eagle Strategies (NY Life) based in Dewitt, NY, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. He has been affiliated with New York Life Insurance Co. and its related entities since 2016 and also operates Crystal Clear Financial Group, LLC. Outside of his advisory work, Jones serves as a referee for both lacrosse and basketball games through regional officials associations. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored advice across multiple program types and manages the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Ryan Falsone is a financial advisor with Citizens Securities, Inc. in Syracuse, NY, holding Series 63 and Series 65 licenses and three years of industry experience. His prior roles include positions at Key Investment Services, Key Bank National Association, HSBC, Northwest Bank, and Collins & Collins LLC. He also worked at Hobart & William Smith Colleges for four years. Citizens Securities serves individual and high-net-worth investors with investment advisory, brokerage, and insurance services. The firm offers both digital and managed account advisory programs and operates as a broker-dealer and insurance agency.

Alec Hoke is a financial advisor with Equity Services, Inc. who holds Series 63 and Series 66 licenses and has 30 years of industry experience. His prior work includes roles at National Life Group, Prudential Insurance Company of America, Pruco Securities LLC, and First Allied Advisory Services, Inc. He is also president and principal of Beacon Wealth Strategies, LLC, an insurance-related business. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms, often using third-party asset managers and model portfolios, and combines predominantly long-term strategies with options for shorter-term trading and specialized instruments.