Chad Germain is a financial advisor at LPL Financial with 17 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at M&T Securities and M&T Bank since 2007. His current role at LPL Financial began in 2021. LPL Financial is a national broker‑dealer and SEC‑registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, with investment strategies that include strategic and tactical allocations and the use of third‑party subadvisors.

Michael Stanton Jr. is a financial advisor at LPL Enterprise with four years of industry experience. He holds a Series 66 designation and has worked previously at Prudential Insurance Company of America, Pruco Securities, and Equitable Advisors. Outside of his advisory role, Stanton is a driver representative for a family-owned race team. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach with access to third-party asset managers, offering financial planning, consulting, and participation in wrap programs.

Francis Mazzilli is a financial advisor at LPL Financial with three years of industry experience. He holds the Series 66 designation and has previously worked at Empower Federal Credit Union and CUSO Financial Services, LP. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Michele Backes is a financial advisor at UBS Financial Services with 27 years of industry experience. She has been with UBS since 2014 and holds Series 63 and Series 66 designations. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management and provides research-driven, model-based asset allocation tailored to client goals and risk tolerances.

Jeremy Wood is a financial advisor with Cetera who holds the Series 66 designation and has 12 years of industry experience. He has worked with firms including Horan Wealth Management and Cadaret, Grant & Co., Inc. Wood serves as a board member for AssetMark Trust Co., where he collaborates with leadership and advisory professionals. Cetera Investment Advisers LLC is an SEC-registered firm that provides a range of portfolio management, financial planning, and retirement services to individual, corporate, charitable, and institutional clients. The firm operates as a multi-manager platform offering various program structures and investment options, supported by a nationwide network of over 10,000 advisors.

Shawn Tetreault is a financial advisor with LPL Enterprise and holds the Series 66 designation. He has two years of industry experience and previously worked at The Prudential Insurance Co. of America and PRUCO Securities, LLC. From 2011 to 2023, he was affiliated with the Knights of Columbus. LPL Enterprise, LLC serves a diverse client base including individual and high-net-worth investors, retirement plans, banks, and charitable entities, offering financial planning, access to third-party asset managers, and model-driven investment implementation through a network of investment adviser representatives.

John Tarnow is a financial advisor with LPL Financial in Camillus, NY, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has worked at Charter Asset Management LLC since 2011 and at Cadaret, Grant & Co., Inc. from 2011 to 2025. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice provided through a large network of investment adviser representatives using a range of investment strategies.

Kelly Scholl is a Series 66-licensed financial advisor at Edward Jones with one year of industry experience. Prior to joining Edward Jones, she worked in various roles including at Staffing Solutions Organization and the YMCA. Outside of finance, she operated a small Pilates business called Pilates with Kelly. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets, offering a range of advisory programs and investment strategies through a large nationwide network of financial advisors and branch offices.

Joshua Keirsbilck is a financial advisor at LPL Enterprise with Series 63 and Series 66 registrations and three years of industry experience. He previously worked at Pruco Securities LLC and Equitable Advisors, and has experience outside finance that includes roles at Clover Home Leisure and Nazareth College. Additionally, he is active as a DoorDash dasher in Rochester, NY. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and charitable entities through a large network of investment adviser representatives. The firm primarily uses model-driven investment implementation and offers access to third-party asset managers, financial planning, and insurance products.

Linda O'Connell is a financial advisor at Morgan Stanley in Syracuse, NY, with 22 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds a Series 63 designation. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools to model outcomes but generally acts in an advisory capacity without providing individual security recommendations as part of standalone plans.

Christopher Johnson is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and 18 years of industry experience. His prior roles include positions at Prudential Insurance Company of America, Pruco Securities, LLC, and MetLife Securities INC. He is also the owner and senior advisor of TMRW Financial Group, a business related to his LPL practice. LPL Enterprise, LLC serves a broad client base including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm offers financial planning, access to third-party asset managers, and model-driven investment implementation, while also facilitating insurance product sales and affiliated trust services.

Matthew Michalak is a financial advisor at Wells Fargo Clearing with 22 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Wells Fargo firms since 2010. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

John Kirwan III is a financial advisor with Cambridge Investment Research Advisors and holds the Series 66 designation. He has professional experience at several firms, including National Grid and Berkshire Hathaway. Cambridge Investment Research Advisors is a large SEC-registered advisor serving a diverse client base, including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals using various portfolio management approaches and platforms.

Anthony Baeumler is a financial advisor with LPL Enterprise, holding a Series 63 designation and 13 years of industry experience. His prior roles include positions at Prudential Insurance Company of America, Pruco Securities, LLC, UnitedHealthcare, and Mutual of Omaha. In addition to his advisory work, he has been involved in restaurant management at Outback Steakhouse for over two decades. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, corporate, and charitable entities through a network of investment adviser representatives. The firm typically employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and participation in wrap programs, alongside affiliated insurance and trust services.

Julia Georges is a Financial Advisor at Merrill Lynch Wealth Management. In her role, she works closely with clients to understand what is important to them, helping develop strategies to pursue short-, mid-, and long-term financial goals. Julia provides guidance on general investing, retirement planning, and saving for unexpected events, and offers access to Bank of America specialists for banking, credit, home financing, and small business solutions. Her experience includes expertise in areas such as LGBT Wealth Planning, Liquidity Management, Managing New Wealth, Personal Retirement Planning, Portfolio Management Services, Small Business Strategies, Women and Wealth, Individual and Corporate Investment Strategy, Tax Minimization, and Retirement Income. Julia holds the Personal Investment Advisor (PIA) designation and earned her bachelor's degree from Binghamton University. Outside of her professional work, Julia has interests in adventure sports, cooking, hiking, music, running, skydiving, spending time with family, tennis, and traveling. She approaches financial advising with a focus on attentive listening, empathy, and transparency, providing clear communication and goals-based planning to help clients make confident financial decisions.

John Cavanaugh is a financial advisor with Wells Fargo Clearing in Syracuse, NY, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Matthew Soto is a financial advisor with Equitable Advisors in Syracuse, NY. He holds a Series 66 designation and has five years of industry experience. Prior to joining Equitable Advisors in 2021, he was a student at St. Lawrence University from 2016 to 2020. Equitable Advisors serves a broad client base including individual, institutional, and charitable clients, offering financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives and third-party asset managers.

Frank Albanese is a financial advisor with RBC Capital Markets in Syracuse, NY, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. He serves on the boards of Tillie's Touch, a charitable foundation, and Manlius Pebble Hill School, a private educational institution. RBC Wealth Management provides services to a diverse client base including individual investors, institutions, and charitable organizations. The firm offers tailored advisory programs with discretionary and non-discretionary portfolio management, leveraging both in-house and third-party investment resources.

Ronald Ferguson is a financial advisor with LPL Financial in Cicero, NY, holding Series 63 and Series 65 credentials and over 34 years of industry experience. He has worked at Financial Visions Group since 1995 and previously at Cadaret, Grant & Co., Inc. for 30 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by a large network of investment adviser representatives.

Daniel Puma is a financial advisor at LPL Enterprise with 11 years of industry experience. He holds Series 65 and Series 63 licenses and has worked previously at Prudential Insurance Company of America and Pruco Securities, LLC. His other business activities include associations with Aetna, Excellus Health Plan Inc, and United Healthcare. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual investors, retirement plans, banks, and charitable entities. The firm utilizes a model-driven investment approach and offers services such as financial planning, access to third-party asset managers, and participation in wrap programs.