Michael Sheridan is a CFP® with 32 years of industry experience, currently serving at Independent Financial Partners since 2020. His prior experience includes 15 years at Key Investment Services LLC. Outside of his advisory role, he is involved as the owner of a holding company and an S-Corp related to financial services compensation. Independent Financial Partners offers investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisors. The firm supports a multi-advisor platform with discretionary and non-discretionary account management, and is notable for its formal retirement-plan advisory and pension consulting capabilities.

Brandon Maggio is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 66 credentials and five years of industry experience. His career background includes roles at Prudential Insurance Company of America and KeyBank. Key Investment Services LLC is an SEC-registered investment adviser and wrap-fee program sponsor serving individuals, trusts, estates, small businesses, and institutional plan clients through a network of financial professionals. The firm offers multiple wrap programs supported by a multi-provider model and integrates services with KeyCorp affiliates, combining portfolio management with advisory and trade execution services.

Brent Schleicher is a financial advisor with Independent Financial Partners, holding Series 63 and Series 65 credentials and 29 years of industry experience. He previously worked at Commonwealth Financial Network for 11 years before joining Independent Financial Partners and IFP Securities in 2025. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent Investment Adviser Representatives. The firm offers a decentralized advisory model with both discretionary and non-discretionary account management, and it is notable for its formal retirement-plan advisory and pension consulting capabilities.

James Eicholzer is a CFP® with 21 years of industry experience, currently affiliated with Capital Analysts. His previous roles include positions at Lincoln Investment, Legend Advisory Corporation, and Legend Equities Corporation. Outside of advisory services, he owns and operates Eicholzer Tax Service, specializing in personal income tax preparation. Capital Analysts serves a diverse client base, including individuals, high-net-worth investors, trusts, foundations, and charitable organizations, offering portfolio management and retirement-plan advice through a mix of discretionary and non-discretionary investment approaches. The firm employs a proprietary mutual fund screening process and maintains institutional relationships that support various investment products and services.

Mario Cabral is a financial advisor with Guardian Life, holding Series 66 and Series 63 credentials and six years of industry experience. He has worked at several firms, including Equitable Advisors and Mass Mutual Life Insurance Company. Outside of his advisory role, he is a 50% owner of St. Famous Partners LLC, which manages rental properties. Guardian Life, through its subsidiary Park Avenue Securities LLC, provides brokerage and investment advisory services to individuals, retirement plan sponsors, charitable organizations, and businesses. The firm offers a combination of advisor-led discretionary management and model-based strategies, along with access to insurance products, alternative investments, and various lending options.

Collin Avery is a financial advisor at Key Investment Services LLC with four years of industry experience. He holds a Series 66 designation and has worked at KeyBank, Mariner Finance, and Sir Walter Chevrolet prior to his current role. Key Investment Services LLC is an SEC-registered investment adviser providing portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional plan clients. The firm uses a multi-provider model with discretionary and non-discretionary management options and integrates services from affiliated entities including KeyBank and KeyBanc Capital Markets.

Nicholas Beiter is a financial advisor with Lincoln Investment in East Syracuse, NY, holding a Series 63 credential and 20 years of industry experience. His prior work includes roles at Capital Analysts, Legend Advisory Corporation, and Legend Equities Corporation. Outside of advising, he is involved in several entrepreneurial ventures, including co-creating and contributing to Breaking Bourbon, LLC, a website focused on bourbon industry content, and managing Angel's Share Media, LLC, a related startup specializing in press releases for bourbon and American whiskey brands. Lincoln Investment Planning, LLC is an enterprise advisory and broker-dealer serving a diverse client base including individuals, high-net-worth investors, trusts, charities, and retirement plans. The firm offers financial planning, portfolio management through model portfolios, and employs an in-house Investment Management & Research team to support advisor-led investment strategies.

Jeffrey Petroske is a financial advisor at TIAA-CREF with Series 63 and Series 65 licenses and six years of industry experience. He has previously worked at M&T Securities, INC and M&T Bank before joining TIAA in 2017. TIAA‑CREF Individual & Institutional Services provides financial planning and discretionary managed account programs primarily to individuals with existing employer retirement plan relationships, as well as to trusts, estates, partnerships, and small retirement plans. The firm offers both point-in-time planning services and ongoing portfolio management using model and customized strategies, operating within a vertically integrated structure that includes affiliated funds.

Ellen Raflowski is a Series 66 licensed financial advisor with Valic Financial Advisors, bringing 13 years of industry experience. She has worked with Valic Financial Advisors since 2016 and is also associated with Agia in a non-securities insurance capacity. Valic Financial Advisors serves primarily U.S. individuals, including high net worth clients and employer-sponsored retirement participants, offering portfolio management, financial planning, and discretionary unified managed accounts through a large network of advisors.

Amber Amidon is a financial advisor at Guardian Life with 14 years of industry experience. She holds Series 63 and Series 65 licenses and has worked with Park Avenue Securities, Principal Financial Services, and Cadaret, Grant & Co., Inc. Outside of her advisory role, she acts as power of attorney for a family member. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, offers brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm combines advisor-led discretionary management with model-based strategies and provides access to proprietary and third-party advisory solutions.

Mario Rector is a financial advisor with Principal Financial Services in East Syracuse, NY, holding a Series 66 designation and four years of industry experience. His prior roles include positions at Legacy Financial Group and Union Financial, Inc. He also has experience in fixed insurance sales, covering life, disability, annuities, health, long-term care, dental, Medicare, and Medicaid insurance products. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and corporations. The firm offers financial planning, retirement consulting, and access to third-party money manager programs under various advisory and promoter arrangements.

Jason Holowinski is a financial advisor at Janney Montgomery Scott with 32 years of industry experience. He has been with Janney Montgomery Scott since 2008 and holds a Series 63 designation. Outside of his advisory work, he is a partner in Blue Skies Enterprises. Janney Montgomery Scott is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a wide range of clients, including individuals, families, trusts, corporate and retirement plans, and charitable organizations, offering brokerage, financial planning, and advisory services through a combination of in-house and third-party managers.

Brandon Santillo is a financial advisor with Janney Montgomery Scott LLC, holding Series 66 and Series 63 credentials and six years of industry experience. He has worked at Janney Montgomery Scott since 2022 and previously held roles at Equitable Advisors and FedEx Ground. He also has experience with the Jim and Julie Boeheim Foundation and St. Lawrence University. 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 a diverse client base including individuals, families, trusts, corporate and retirement plan sponsors, and charitable organizations, offering brokerage services, financial planning, and multiple advisory programs.

Jerry Bruno is a financial advisor with GWN Securities Inc. in Syracuse, NY, holding Series 63 and Series 65 licenses and having 28 years of industry experience. He previously worked at Leigh Baldwin & CO., LLC for 21 years. Outside of his advisory role, he is licensed to sell a variety of insurance products including life, disability, and annuities. GWN Securities provides investment advisory and related services to individual and corporate clients through a variety of managed account programs and financial planning. The firm employs a mix of sub-advisers and model-based allocations, incorporating tactical strategies such as market-timing and momentum-based approaches in some legacy programs.

Shawn Emmons is a financial advisor with Bankers Life Advisory Services, Inc. in Syracuse, NY, holding Series 65 and Series 63 licenses and three years of industry experience. He has worked with affiliated entities including Bankers Life Securities, Inc. and Bankers Life & Casualty, Inc., where he also serves as a unit field trainer recruiting and training insurance agents. Bankers Life Advisory Services, Inc. serves mass-affluent and high-net-worth individuals by providing discretionary portfolio management, investment consulting, and retirement plan consulting. The firm employs a combination of fundamental, technical, and cyclical analysis to create tailored investment strategies aligned with clients’ goals and risk profiles.

Samuel Dickson is a financial advisor at Bankers Life Advisory Services, Inc. based in Syracuse, NY. He holds a Series 66 designation and has one year of experience in the industry. Prior to joining Bankers Life, he worked in various roles including a five-year position at Ducted Wind Turbines and concurrent roles with Uber and Lyft. Bankers Life Advisory Services, Inc. is an SEC-registered investment adviser serving mass-affluent and high-net-worth individuals with discretionary and non-discretionary portfolio management, as well as retirement plan consulting. The firm uses a combination of fundamental, technical, and cyclical analysis to create tailored asset allocations and provides ongoing portfolio management aligned with clients' goals and risk tolerances.

Timothy Sennett is a financial advisor with Lincoln Investment in Syracuse, NY, holding Series 63 and Series 65 licenses and having 25 years of industry experience. Prior to joining Lincoln Investment in 2017, he worked at Legend Advisory Corporation and Legend Eequities Corporation. He is also a self-employed enrolled agent preparing income tax returns. Lincoln Investment Planning, LLC is a large enterprise firm serving a diverse client base, including individuals, high-net-worth investors, trusts, charities, and retirement plans, with a range of financial planning and investment management services supported by an in-house Investment Management & Research team and third-party managers.

Ernesto Smith Fernandez is a financial advisor at Key Investment Services LLC with three years of industry experience. He holds a Series 66 designation and has worked at firms including Equitable Advisors, LLC and KeyBank. He also has a background that includes military service with the Fuerzas Armadas Revolucionarias and teaching at Preuniversitario Saul Delgado. Key Investment Services LLC is an SEC-registered investment adviser that provides portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional clients through a network of financial professionals. The firm uses a multi-provider model and integrates services from KeyCorp affiliates, offering a variety of wrap programs and investment solutions largely managed on a non-discretionary basis.

Brett Grandjean is a financial advisor with Lincoln Investment in East Syracuse, NY, holding a Series 66 designation and six years of industry experience. He has been with Lincoln Investment since 2019 and also co-owns Grandjean, Wagner, Beiter & Co, an accounting and tax service firm where he provides tax planning and bookkeeping services. Lincoln Investment Planning, LLC serves a diverse client base including individual and high-net-worth investors, trusts, charities, and retirement plans, with a history of serving educators and participants in 403(b) and 457(b) programs. The firm offers financial planning, advisor-led consulting, and portfolio management through model portfolios and third-party managers, supported by an in-house Investment Management & Research team.

Ronald Kelly is a financial advisor with TIAA-CREF in Syracuse, NY, holding Series 63 and Series 66 licenses and having 31 years of industry experience. He has been with TIAA since 2012. Outside of his advisory role, he volunteers as an officer with the Holy Name Society, supporting parish activities, and serves on the board of the Monsignor Ronald Bill Scholarship Fund, which awards annual academic scholarships to students. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, and small retirement plans, often serving clients with existing retirement plan relationships. The firm offers a range of advisory services including model portfolio management and customized portfolio solutions, and operates within a vertically integrated structure that includes affiliated funds and donor-advised fund services.