Patrick Lynch is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 25 years of industry experience. He has worked at Diversified Wealth Strategies and Commonwealth Financial Network since 2008. His other business activities include involvement in fixed insurance. 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 discretionary model portfolios and personalized investment options, while supporting affiliated advisors with operations, technology, and compliance.

William Moore is a CFP® professional with 27 years of industry experience, currently serving as a financial advisor at Janney Montgomery Scott since 2018. He previously worked at Wells Fargo Advisors LLC and Wells Fargo Clearing from 2009 to 2018. Outside of his advisory role, he is a board member of Liverpool Turkey Trot LLC, a charitable organization that organizes an annual Thanksgiving Day 5K race. 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 services, financial planning, and advisory programs that include both in-house portfolio management and third-party managers across multiple platforms.

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 at TIAA-CREF with 30 years of industry experience. He holds Series 63 and Series 65 credentials and has been with TIAA-CREF 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, and small retirement plans, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm operates a model that separates one-time financial planning from ongoing portfolio management and serves 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 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.

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 credentials and 14 years of industry experience. Her prior work includes positions at Cadaret, Grant & Co., Inc. and Morgan Stanley. 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 supporting a national network of approximately 2,900 advisors and managing roughly $212.7 billion in client assets through a range of managed-account programs and third-party asset managers.

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.

Carolyn Barnaba is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 66 credentials and bringing 13 years of industry experience. Her career includes roles at KeyBank and Empower Federal Credit Union, with over two decades associated with KeyBank entities. Key Investment Services LLC serves individual, trust, estate, small business, and corporate clients through various advisory programs and managed account offerings. The firm emphasizes client-directed investment strategy selection combined with professional monitoring and oversight, operating within the KeyCorp group and collaborating with affiliated entities for custody, clearing, and 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 has worked at Key Investment Services and KeyBank. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through wrap-fee advisory programs, model portfolios, separately managed accounts, and other investment products. The firm emphasizes client-directed model selection and ongoing monitoring while providing access to third-party discretionary managers and supervisory oversight.

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.

Evan Ryan is a financial advisor with Key Investment Services LLC in Cicero, NY. He holds Series 63 and Series 66 registrations and has four years of industry experience. Prior to his current role, he worked at KeyBank and was involved with the Potsdam Town & Country Club and Clarkson University/MWCS. 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 model selection and ongoing monitoring, offering access to third-party managers and providing supervisory oversight across its programs.

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.

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.

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.