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.

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 with GWN Securities Inc. and holds Series 65 and Series 63 licenses. She has one year of industry experience and also serves as Operations Manager at Djpuff Advisors Group, Inc., where she manages office operations and financial services. Erin has been associated with Djpuff Advisors Group, Inc. since 2014 and with GWN Securities since 2025. GWN Securities provides investment advisory and related services to individual and corporate clients through a variety of managed account programs and financial planning options. The firm utilizes a mix of affiliated and unaffiliated sub-advisers and employs asset allocation and Modern Portfolio Theory, while maintaining a distinctive focus on market-timing and momentum-based strategies in certain 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.

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.

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.

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.

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 at OSAIC Institutions, Inc. with 39 years of industry experience. He holds Series 63 and Series 66 designations and has worked previously at Ameriprise and Royal Alliance Associates, Inc. He is based in Syracuse, NY. OSAIC Institutions serves individuals, trusts, estates, charitable organizations, and corporate clients through a network of investment adviser representatives, providing customized advisory engagements, financial planning, ERISA plan services, and brokerage and insurance products. The firm offers both discretionary and non-discretionary advisory services, utilizing a range of analysis methods and engaging third-party asset managers as needed.

Evan Ryan is a financial advisor at Key Investment Services LLC with four years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at KeyBank and the Potsdam Town & Country Club. Key Investment Services LLC is an SEC-registered adviser that provides portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional clients through a large network of financial professionals. The firm employs a multi-provider model combining in-house and third-party portfolio management and offers both discretionary and non-discretionary solutions.

Mark Modzeleski is a financial advisor with J. W. Cole Advisors, Inc., holding a Series 63 designation and bringing 26 years of industry experience. He has previously worked at MassMutual and Mass Mutual Investors Services. Outside of his advisory role, he serves on the board of a diversified dairy farm and is involved with an investor group developing a multi-field sports complex in Syracuse, NY. J. W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a national network of over 400 independent advisors. The firm offers portfolio management, financial planning, access to third-party managers, and various managed account solutions, with investment decisions implemented on discretionary or non-discretionary bases.

Susan Izyk is a financial advisor with Bankers Life Advisory Services, Inc., holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. Her prior roles include positions at CCO Investment Services and Citizens Bank. Outside of her advisory work, she serves in a monitoring role for the Liverpool School District. Bankers Life Advisory Services, Inc. provides discretionary portfolio management, investment consulting, and retirement plan consulting primarily to mass-affluent and high-net-worth individuals. The firm’s investment approach includes customized asset allocation, periodic rebalancing, and a combination of fundamental, technical, and cyclical analysis to guide portfolio management.

Matthew Root is a financial advisor with Lincoln Investment in Syracuse, NY, holding a Series 63 designation and 28 years of industry experience. He has worked at Lincoln Investment since 2017 and previously held roles at Legend Advisory Corporation and Legend Equities Corporation. In addition to his advisory work, he is the owner and operator of Roots Tax Service, providing tax preparation services. Lincoln Investment Planning, LLC is a large, enterprise investment 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 via advisor- and firm-managed models, and access to third-party managers, supported by an in-house Investment Management & Research team that constructs strategic and adaptive portfolios.

Kristopher Wadsworth is a financial advisor with Bankers Life Advisory Services, Inc., holding the ChFC® and Series 63 designations and bringing 24 years of industry experience. His prior roles include positions at New York Life Insurance Co., NYLIFE Securities LLC, and various financial services firms. He also manages a team of agents at Bankers Life & Casualty, focusing on hiring and training related to insurance product sales. Bankers Life Advisory Services, Inc. is an SEC-registered investment adviser serving mass-affluent and high-net-worth individuals through discretionary portfolio management, investment consulting, and retirement plan services. The firm employs fundamental, technical, and cyclical analysis to tailor asset allocations and portfolio management aligned with clients’ objectives and risk profiles.