Nicole Hurley is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 licenses and bringing eight years of industry experience. She has worked at firms including Northwestern Mutual Investment Services LLC and Focused Financial Solutions. Hurley is also co-owner of Crossbridge Financial Group of CNY, a private entity supporting securities, advisory, and insurance business. 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 $212.7 billion in client assets. The firm provides a broad adviser-support platform with access to managed-account programs, third-party asset managers, retirement consulting, and custody services.

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.

Raymond Luce III is a financial advisor with Kestra Advisory who holds a Series 63 designation and has 31 years of industry experience. His prior work includes roles at LPL Financial, Reliance Capital Management, and Cadaret, Grant & Co., Inc. Outside of his advisory work, he is involved as a sports and fitness coach in Central Square, NY. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base, including institutional and individual clients. The firm offers services such as fiduciary consulting, plan design and compliance, and employee education, supported by due diligence processes and a range of management platforms.

Michael Davirro is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. His prior roles include positions at ETFIdea, LLC, Cadaret, Grant & Co., Inc., and he is co-owner of Bowers & Company CPAs PLLC, a CPA firm in Syracuse, NY. Outside of advisory services, he is involved in tax preparation and consulting through his CPA firm. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of nearly 2,900 advisors and a broad client base. The firm provides a wide range of managed-account programs and access to third-party asset managers, backed by extensive support services including trading, reporting, and custody.

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 worked at Lincoln Investment since 2019 and also co-owns Grandjean, Wagner, Beiter & Co, an accounting and tax service firm. Outside of financial advising, he is involved as a managing member of a real estate LLC that holds commercial property tied to his accounting business. Lincoln Investment Planning, LLC is a large enterprise firm serving individual and high-net-worth investors, trusts, charities, and retirement plans, with a particular history serving educators and 403(b) and 457(b) participants. The firm offers a range of financial planning and portfolio management services supported by an in-house Investment Management & Research team and third-party managers.

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.

Gerri Harrison is a CFP® professional with 29 years of industry experience, currently serving at J.W. Cole Advisors, Inc. She has held roles at J.W. Cole Advisors and J.W. Cole Financial, as well as positions at Visions Analysis LLC, LPL Financial LLC, and Planning with Purpose LLC. Outside of her advisory work, she is involved in tax preparation and consulting through Riverside Income Taxes LLC and has a long-standing role in insurance sales. J.W. Cole Advisors operates a large network of independent advisors and offers fee-based portfolio management, financial planning, and retirement plan services for individuals, high-net-worth clients, and institutional accounts. The firm employs a variety of investment strategies and platforms, including discretionary and non-discretionary management, model-based approaches, and digital advice.

Erin Puff is a financial advisor at GWN Securities Inc. with one year of industry experience. She holds Series 63 and Series 65 credentials and has been involved with Djpuff Advisors Group, Inc. since 2014, where she also serves as Operations Manager. GWN Securities provides investment advisory and related services to individual and corporate clients through various managed account programs, financial planning, and introduction to third-party managers. The firm employs a combination of sub-advisers and model-based allocations, including market-timing and momentum-based strategies in some legacy programs.

William Moore is a CFP® professional with 27 years of industry experience. He is currently with Janney Montgomery Scott and has previously worked at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. He serves as a board member for Liverpool Turkey Trot LLC, a charitable organization that organizes an annual 5K race on Thanksgiving Day. 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, offering brokerage, financial planning, consulting, and advisory programs through a combination of in-house and third-party portfolio management.

Nathan Stevens is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 66 credentials and nine years of industry experience. He has worked at Private Advisor Group and LPL Financial since 2018 and previously was with Eastgate Financial from 2016 to 2018. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering portfolio management, financial planning, retirement plan consulting, and access to various managed account solutions. The firm employs a fiduciary-based advisory model that incorporates both discretionary and non-discretionary services using multiple investment strategies and third-party managers.

Robert Polak Jr. is a financial advisor with TIAA-CREF in Syracuse, NY, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with TIAA-CREF and TIAA since 2007. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, and small retirement plans, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm offers a range of investment management options including model portfolios and customized portfolios, operating within a vertically integrated structure and acting as adviser to a donor-advised fund.

Thomas Baker is a CFP® professional with 17 years of industry experience, currently affiliated with Commonwealth Financial Network in Syracuse, NY. He has worked at Salt City Financial Advisors since 2019 and previously spent a decade with Wells Fargo Advisors Financial Network LLC. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors through a range of advisory programs and services, including wealth management and retirement plan consulting. The firm provides operations, trading, technology, compliance, and practice-management support, while offering a variety of discretionary and customized portfolio solutions.

Donald Puff is a financial advisor with GWN Securities Inc. in Camillus, NY, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has served as the Operations Manager for DJPuff Advisors Group, Inc. since 2006 and has been with GWN Securities since 2004. In addition to advisory services, he operates as a general agent in the insurance business, focusing on life, health, long-term care insurance, and fixed annuities. GWN Securities provides investment advisory services to individual and corporate clients through multiple managed account programs and financial planning options. The firm combines discretionary portfolio management with model-based allocations and uses a mix of affiliated and unaffiliated sub-advisers, employing both traditional asset allocation and tactical, momentum-based strategies.

Andrew Baker is a financial advisor with Independent Financial Group, LLC in Cicero, NY, holding a Series 63 designation and 26 years of industry experience. He has been with Independent Financial Group since 2012. Outside of his advisory role, he owns and operates a business buying and selling used boats, RVs, automobiles, and snowmobiles at auction. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and corporate plans. The firm employs a combination of firm- and third-party investment models and offers various portfolio management and retirement plan services while operating as both a broker-dealer and investment adviser.

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 with Commonwealth Financial Network, holding Series 63 and Series 65 licenses and possessing 14 years of industry experience. Her prior roles include positions at Cadaret, Grant & Co., Inc., Morgan Stanley, and ETFidea, LLC. She also serves as an elected Town Councilor for the Town of Manlius. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of nearly 2,900 advisors and hundreds of thousands of clients. The firm offers a broad range of managed-account programs, access to third-party asset managers, and custody services, supporting client portfolios through both internal and external investment management solutions.

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.

Carolyn Barnaba is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 66 designations and 13 years of industry experience. She has worked in various capacities within KeyBank and its affiliates since 2001. 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 for portfolio implementation and is integrated with KeyCorp affiliates offering additional financial services.

Joseph Diamond is a financial advisor at Key Investment Services LLC with 12 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at KeyBank from 2015 to 2018 before joining Key Investment Services. 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 plan clients through a network of financial professionals. The firm utilizes a multi-provider platform and emphasizes non-discretionary model selection with integrated services from KeyCorp affiliates.

Daniel Hopkins is a financial advisor with OSAIC Institutions, Inc. He holds Series 63 and Series 66 licenses and has 39 years of industry experience. His prior roles include positions at Ameriprise and Royal Alliance Associates, INC. OSAIC Institutions, Inc. serves individuals, retirement plans, trusts, estates, and corporate clients by providing customized advisory services, financial planning, ERISA plan services, and access to alternative investments and lending solutions. The firm operates a hybrid adviser/broker-dealer model with a focus on both discretionary and non-discretionary accounts.