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 at OSAIC Institutions, Inc. with 39 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Ameriprise and Royal Alliance Associates, Inc. prior to joining OSAIC. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a broad network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, wrap programs, and access to alternative investments and lending solutions, operating with a hybrid adviser/broker-dealer structure.

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 possessing 28 years of industry experience. He has worked at Lincoln Investment since 2017 and previously spent significant time at Legend Advisory Corporation and Legend Equities Corporation. Outside of advising, Root owns and operates Roots Tax Service, providing tax preparation and filing for clients. Lincoln Investment serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a focus on educators and 403(b)/457(b) participants. The firm offers a range of financial planning and investment management services, utilizing both strategic and dynamic approaches overseen by an Investment Management & Research team.

Kristopher Wadsworth is a financial advisor with Bankers Life Advisory Services, Inc., holding the ChFC® designation and Series 63 license, with 24 years of industry experience. His career includes roles at multiple financial and insurance firms, including New York Life Insurance Co. and LPL Financial LLC. He also serves as a Unit Sales Manager at Bankers Life & Casualty, managing and training a team of agents. Bankers Life Advisory Services, Inc. is an SEC-registered investment adviser that serves mass-affluent and high-net-worth individuals, offering discretionary portfolio management, investment consulting, and retirement plan consulting. The firm employs a combination of fundamental, technical, and cyclical analysis to create tailored asset allocations and manages portfolios across various securities with periodic reviews and rebalancing.

Brynner Holland is a financial advisor with Bankers Life Advisory Services, Inc. in Syracuse, NY, holding Series 63 and Series 65 licenses and two years of industry experience. His background includes roles at Bankers Life Securities, Inc. and Bankers Life & Casualty, Inc., as well as prior work in the automotive and pet care industries. Outside of advisory work, he manages a short-term rental property through Vrbo. Bankers Life Advisory Services, Inc. provides discretionary portfolio management and investment consulting primarily to mass-affluent and high-net-worth individuals, focusing on customized asset allocation, tax efficiency, and a combination of fundamental and technical analysis.

Jeffrey Francisco is a financial advisor with Principal Financial Services, holding a Series 63 designation and ten years of industry experience. He has worked with Principal Securities Inc. and Principal Life Insurance Co. since 2016, and previously with Legacy Financial Group and Associates and Bethmann, Russell, Caron & Associates. His other business activities include involvement in outside insurance, fixed life, fixed annuities, and disability insurance. Principal Securities provides brokerage and registered investment advisory services to a wide range of clients, including individual investors, retirement plans, and charitable organizations. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Neil Hoyt is a financial advisor with Commonwealth Financial Network, holding CFP® and Series 63 credentials and bringing 37 years of industry experience. He has worked at Commonwealth since 2019 and is also a partner and part owner of Michael Roberts Associates, Inc., where he has been involved since 1991. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and back-office support, including investment management, compliance, and technology services, while allowing affiliated advisors discretion in constructing client portfolios.

Anthony Markusz is a financial advisor at TIAA-CREF with 10 years of industry experience. He holds the CFP® and Series 66 credentials and has previously worked at Heritage Wealth Advisors, Ameriprise, and Equitable Advisors. In addition to his advisory role, he is a licensed real estate salesperson involved in listing and selling homes in Syracuse, NY. TIAA‑CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals connected with TIAA-administered employer retirement plans, as well as to trusts, estates, and small retirement plans. The firm’s advisory model separates defined planning services from ongoing discretionary management and includes offerings of both model and customized portfolios.

Jackson Tarr is a financial advisor at Citizens Securities, Inc. with four years of industry experience. He holds the Series 66 designation and has previously worked at MML Investors Services, LLC, MassMutual Life Insurance Company, and several independent school districts. 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, including a digital advisory program and a Managed Account program.

Amanda Stein is a financial advisor at Commonwealth Financial Network with six years of industry experience. She holds a Series 66 designation and previously worked at Voya Financial Advisors from 2015 to 2022. Stein is based in Fayetteville, NY. 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 wealth management and retirement plan consulting, and supports advisors with operations, technology, compliance, and investment management.

Brian Pirritano is a financial advisor at Citizens Securities, Inc. in Syracuse, NY, holding Series 63 and Series 66 licenses with 11 years of industry experience. Prior to joining Citizens Securities in 2025, he worked for HSBC Securities (USA) Inc. from 2016 to 2025. He serves as a board member of a homeowners association in his local community. 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 using ETF-based portfolios and also operates as a broker-dealer and insurance agency.

Paul Madden is a financial advisor with Janney Montgomery Scott in Syracuse, NY, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Janney Montgomery Scott since 2015 and concurrently serves in the United States Air Force. Outside of his financial career, Madden is a basketball official with IAABO Board 38, refereeing high school basketball games. 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 individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering brokerage, financial planning, consulting, and advisory programs.

Matthew Pfeiffer is a financial advisor at Independent Financial Partners with 27 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Key Investment Services LLC for 11 years. Pfeiffer is also the owner of Harbor Wealth Advisors CNY, Inc., a financial services company, and is involved in insurance and annuity support roles. Independent Financial Partners offers investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisers. The firm supports a multi-advisor platform serving a wide range of clients, with a notable focus on retirement-plan advisory and pension consulting services.

James Finlay is a financial advisor at Citizens Securities, Inc. in Syracuse, NY, holding Series 63 and Series 65 licenses with 15 years of industry experience. He has spent several years with Citizens Securities and Citizens Bank in various roles since 2016. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering investment advisory programs as well as brokerage and insurance services. The firm has both a digital advisory program utilizing ETF-based portfolios via proprietary algorithms and a Managed Account program.