Claudio Mastroianni is a CFP®-certified financial advisor with 36 years of industry experience. He is currently affiliated with Osaic Institutions, Inc. and has held positions at Bank of Greene County, Infinex Investments, Inc., Citizens Securities, Inc., and M&T Securities, Inc., among others. Osaic Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, and access to alternative investments, operating under a hybrid adviser/broker-dealer structure that emphasizes firm supervision while delegating investment management to its representatives.

Matthew Whalen is a Series 66-licensed financial advisor at Key Investment Services LLC with three years of industry experience. He previously worked at LPL Financial LLC, High Peaks Asset Management, Cadaret, Grant & Co., Inc., and has held roles at the City Mission of Schenectady and Berne Knox Westerlo Central School. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through various advisory programs, model portfolios, and managed accounts. The firm emphasizes client-directed investment decisions supported by non-binding recommendations and ongoing monitoring, while providing access to third-party discretionary managers and supervisory oversight.

Amy McGowan is a financial advisor at Citizens Securities, Inc. in Albany, NY, with 11 years of industry experience. She holds Series 63 and Series 65 licenses and has worked in various roles within Citizens Bank and Citizens Securities since 2019, as well as six years at CCO Investment Services. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm’s advisory offerings include a digital advisory program based on ETF portfolios and a Managed Account program, operating as part of a bank-owned enterprise.

Paul Cuomo is a financial advisor with Citizens Securities, Inc. in Albany, NY, holding Series 63 and Series 65 licenses and 37 years of industry experience. He has worked extensively within Citizens affiliates since 2017, including roles at Citizens Bank and Citizens Securities. Outside of his advisory work, Cuomo is a certified Notary Public and serves as a high school basketball referee. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs alongside brokerage and insurance services. The firm operates both a digital advisory platform and managed account programs, combining bank, broker-dealer, and advisory functions under its ownership by Citizens Bank, N.A.

Cody Hudson is a financial advisor with Guardian Life and Park Avenue Securities, holding Series 63 and Series 65 credentials. He has one year of experience in the financial services industry, including prior roles at PFS Investments Inc. and Primerica Financial Services. Outside of advising, he has been involved in the sale of loan products and home-related services through affiliated companies. Park Avenue Securities LLC, a wholly owned subsidiary of Guardian Life Insurance Company of America, provides brokerage, financial planning, and retirement consulting services to individuals, pension plans, charitable organizations, and corporate clients. The firm offers a range of advisory programs, including discretionary and non-discretionary models, and integrates proprietary and third-party investment strategies.

Frank Roylance is a financial advisor with Key Investment Services LLC in Clifton Park, NY, holding Series 63 and Series 66 registrations and 20 years of industry experience. He has worked at Key Investment Services LLC since 2015. Key Investment Services LLC provides advisory services to individuals, trusts, estates, small businesses, and corporate clients through various wrap-fee programs, model portfolios, separately managed accounts, and brokerage and insurance products. The firm emphasizes client direction in investment model selection and offers access to third-party discretionary managers alongside ongoing portfolio monitoring and supervisory oversight.

Christopher Mingone is a financial advisor at Citizens Securities, Inc. with four years of industry experience. He holds a Series 66 designation and previously worked at Equitable Advisors and Dealer.com. Mingone is based in Albany, NY. 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, with advisory offerings that have included a digital advisory program and a separate Managed Account program.

Amanda Lewsey is a financial advisor with GWN Securities Inc. in Albany, NY. She holds Series 65 and Series 63 credentials and has been with GWN Securities and Northeast Wealth Management since 2025. Prior to her advisory career, she worked in various roles including at Southwestern Vermont Medical Center and several hospitality and beverage-related businesses. Outside of finance, she has experience working with craft breweries and distilleries. GWN Securities provides investment advisory services to individual and corporate clients through managed account programs, financial planning, and introductions to third-party managers. The firm uses a combination of model-based allocations and discretionary portfolio management, incorporating both affiliated and unaffiliated sub-advisers, and is noted for its use of market-timing and momentum-based strategies in certain programs.

Christopher Wilson is a financial advisor at TIAA‑CREF with 22 years of industry experience. He holds the Series 66 designation and has been with TIAA‑CREF since 2014. Outside of his advisory role, he is involved in managing several real estate investment entities and a holding company focused on estate planning. TIAA‑CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning, discretionary managed account programs, and broker‑dealer services primarily to individuals with existing TIAA retirement plan relationships, as well as trusts, estates, partnerships, and small retirement plans. The firm combines point‑in‑time planning with ongoing portfolio management under a fiduciary standard and serves as adviser to a donor‑advised fund.

Cara Hayes is a financial advisor at Citizens Securities, Inc. in Albany, NY, holding a Series 66 designation with six years of industry experience. Her prior roles include positions at JPMorgan Chase Bank, Merrill Lynch, and various credit unions. Outside of her advisory work, she volunteers as a cookie booth supervisor for the Girl Scouts of Southern New England. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, providing investment advisory programs alongside brokerage and insurance services. The firm offers both digital and managed account advisory programs and operates as a broker-dealer and insurance agency.

Terrence Pellitteri is a financial advisor with Commonwealth Financial Network, holding CFP® and Series 63 designations and having 30 years of industry experience. He previously worked at LPL Financial for nine years before joining Commonwealth in 2016. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of nearly 2,900 advisors and serves individual and institutional clients with a range of managed-account programs, third-party asset manager access, and brokerage services.

James Thorp is a financial advisor at Janney Montgomery Scott with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Janney Montgomery Scott continuously since 2015. 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, charitable organizations, and municipal clients, offering a range of brokerage, financial planning, consulting, and advisory programs.

Christopher Cassidy is a financial advisor at &PARTNERS with 30 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. He serves on the finance committees of St. Stephen's Episcopal Church and the Episcopal Diocese of Albany. &PARTNERS serves both individual and institutional clients, providing investment management, financial and tax planning, and retirement-plan consulting through a combination of proprietary and third-party strategies.

Daniel Smith is a financial advisor with Janney Montgomery Scott, holding Series 63 and Series 65 credentials and 28 years of industry experience. He has been with Janney Montgomery Scott since 2008 and previously worked at Wells Fargo Clearing from 2000 to 2004. 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 diverse client base, including individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering brokerage services, financial planning, consulting, and multiple advisory programs.

Brad Sloan is a financial advisor with TIAA-CREF, holding Series 63 and Series 66 designations and 24 years of industry experience. He has been with TIAA-CREF since 2008. Outside of his advisory work, he is a partial owner of a horse racing partnership, which he holds as a hobby without decision-making or financial authority. TIAA-CREF Individual & Institutional Services, LLC offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm separates point-in-time planning from ongoing discretionary management and acts as adviser to a donor-advised fund within a vertically integrated structure.

Tracy Rashford is a financial advisor with TIAA-CREF in Latham, NY, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. She has been with TIAA-CREF since 2011. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans. The firm distinguishes between one-time planning services and ongoing discretionary management and acts as adviser to a donor-advised fund while operating within a vertically integrated group that includes affiliated funds.

Kevin Marin is a financial advisor with Commonwealth Financial Network based in Clifton Park, NY, holding a Series 63 designation and over 30 years of industry experience. He has worked at Raymond James Financial Services and Advisors Insurance Brokers, and has owned Marin Wealth Solutions, Inc., a private entity facilitating securities and advisory business. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of nearly 2,900 advisors and managing approximately $213 billion in client assets. The firm provides a variety of managed account programs, third-party asset manager access, and full back-office support including trading and reporting services.

Katelyn Sager is a financial advisor with Key Investment Services LLC, holding a Series 66 designation and three years of industry experience. Her prior work includes a position at KeyBank and five years of experience in the food service industry at Deli and Brew. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through various wrap-fee advisory programs, model portfolios, separately managed accounts, and brokerage and insurance products. The firm emphasizes client-directed investment selection supported by ongoing monitoring and due diligence, operating within the KeyCorp group with affiliated banking and capital markets entities.

Shiri Ghimire is a financial advisor with Citizens Securities, Inc. in Albany, NY, holding Series 63 and Series 65 credentials and nine years of industry experience. She has been with Citizens Securities and Citizens Bank in various roles since 2010. 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 alongside managed accounts and operates as a broker-dealer and insurance agency.

Kevin Eberz is a financial advisor with Key Investment Services LLC in Schenectady, NY, holding Series 63 and Series 66 designations and 15 years of industry experience. He has been with Key Investment Services LLC and KeyBank since 2016. Key Investment Services LLC provides advisory and brokerage services to individuals, trusts, estates, small businesses, and corporate clients through various wrap-fee programs, managed accounts, and affiliated brokerage and insurance products. The firm emphasizes client-directed investment strategies and performs ongoing due diligence and oversight of third-party advisory products.