Kristin Holbrook is a financial advisor at Citizens Securities, Inc. in Syracuse, NY, holding Series 63 and Series 65 licenses with 10 years of industry experience. She has been with Citizens Securities since 2015. 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 alongside brokerage and insurance services, with advisory offerings that have included a digital advisory program utilizing proprietary algorithms and a Managed Account program.

Scott Hueber is a financial advisor with TIAA-CREF in Syracuse, NY, holding Series 63 and Series 65 credentials and 11 years of industry experience. He has worked at TIAA-CREF since 2019 and previously worked at SEI Investments Management Corp and SEI Investments Distribution Co from 2016 to 2019. TIAA‑CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals connected to TIAA-administered employer retirement plans, as well as trusts, estates, partnerships, and small retirement plans. The firm separates time-limited planning services from ongoing discretionary management, often utilizing model portfolios or customized portfolios managed under client-approved investment policies.

Shane Murphy is a financial advisor at Commonwealth Financial Network with six years of industry experience. He holds a Series 66 designation and has worked at several firms, including Michael Roberts Associates, Fiscal Advisors & Marketing Inc., Capital Strategy Group, and Cadaret Grant & Co., Inc. In addition to advisory work, he is involved in fixed insurance sales at his branch location. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 advisors and serves both individual and institutional clients with over $212 billion in assets under management. The firm offers a range of managed account programs, third-party asset management access, retirement consulting, and custody services, providing portfolios through internally managed models or outsourced platforms.

Edward Lynch is a financial advisor at Citizens Securities, Inc. in Syracuse, NY, holding a Series 66 designation with one year of industry experience. His previous roles include positions at PwC and Citi, as well as work with Animal Mansion. Citizens Securities serves individual and high-net-worth investors and offers investment advisory, brokerage, and insurance services. The firm’s offerings include a digital advisory program and a Managed Account program, serving a broad retail client base.

Patrick Newton is a financial advisor with Private Advisor Group, LLC, holding a Series 63 designation and 21 years of industry experience. He has been with Private Advisor Group and LPL Financial since 2013. Outside of advisory work, he sells fixed insurance products. Private Advisor Group, LLC is an SEC-registered firm managing over $41 billion across more than 135,000 client relationships. The firm serves individuals, trusts, estates, charitable organizations, and corporate and retirement plan clients, offering portfolio management, financial planning, and access to third-party asset management programs.

Peter Schneider is a financial advisor at Commonwealth Financial Network with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Equitable Advisors and Axa Advisors, LLC. Schneider is also the owner of Schneider Wealth Management Inc., a private entity facilitating securities, advisory, and insurance business. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, providing a range of advisory programs and services including discretionary model portfolios, wealth management, and retirement plan consulting. The firm supports affiliated advisors with operations, technology, investment management, and compliance resources.

Timothy Odell is a financial advisor with Citizens Securities, Inc. in Syracuse, NY, holding a Series 66 designation and one year of industry experience. Prior to joining Citizens Securities, he worked at Equitable Advisors, LLC and has served in the United States Army Reserve since 2024 as a Medical Operation Officer. His background also includes military service in the United States Army and Air Force Reserve. Citizens Securities serves a broad retail client base including individual and high-net-worth investors and offers both investment advisory programs and brokerage and insurance services, featuring a digital advisory platform and managed account programs.

Joseph Feeney is a financial advisor at Citizens Securities, Inc. in Syracuse, NY, holding a Series 66 designation with 10 years of industry experience. His prior experience includes roles at Equitable Advisors and Axa Advisors, LLC. Citizens Securities serves a diverse retail client base, including individual investors, high-net-worth individuals, and retirement plans, offering both advisory programs and brokerage and insurance services. The firm operates a digital advisory program using proprietary algorithms alongside commission-based brokerage and non-discretionary services.

Meghan O'Brien is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 credentials and two years of industry experience. Before joining Commonwealth, she worked five years at PBJ Wealth Management and has a background including roles in education and the hospitality sector. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 advisors and manages about $212.7 billion in client assets. The firm provides a broad range of services including managed-account programs, access to third-party asset managers, and custody and clearing services.

Joseph Bethmann is a financial advisor with Principal Financial Services in East Syracuse, NY, holding a Series 63 designation and 15 years of industry experience. His prior roles include positions at Legacy Financial Group and Associates, Union Financial, and BCA Wealth Advisors. Outside of his advisory work, Bethmann is also licensed as a real estate agent, assisting clients with buying and selling homes. Principal Securities offers brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and active-duty military personnel overseas. The firm provides direct advisory programs, financial planning, retirement plan consulting, and access to third-party money managers through distinct advisory and promoter arrangements.

Elijah Geariety is a financial advisor with Commonwealth Financial Network in DeWitt, NY. He holds Series 63 and Series 66 licenses and has been in the industry since 2023. His prior experience includes roles at Northwestern Mutual and Keim Asset Management, as well as work in education and service industries. 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 roughly $212.7 billion in client assets. The firm provides a broad adviser-support platform including managed-account programs, access to third-party managers, retirement and plan consulting, and custody/clearing services.

Vicki Brackens is a financial advisor with LPL Financial and Stratos Wealth Partners, Ltd, holding the ChFC® designation and Series 63 and 65 licenses. She has 34 years of industry experience, including five years with Lincoln Financial Advisors. Outside of her advisory work, she is involved in a game design venture focused on financial literacy in collaboration with Syracuse University and serves as a university advisor for The Lender Center for Social Justice at Syracuse University. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plans, institutions, and high-net-worth households. The firm offers a range of investment solutions supported by an in-house research team and a large network of investment adviser representatives.

Edward Vespa is a financial advisor with MassMutual Investors Services in Syracuse, NY, holding a Series 63 designation and having 42 years of industry experience. He has been with MassMutual Life Insurance Company and MassMutual Investors Services since 1996. Outside of advising, he is involved in sales of group life, group health, and disability insurance, as well as life insurance consulting. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational programs, offering collaborative, goal-focused advisory relationships without discretionary investment authority.

Abigail Stevens is a financial advisor at Equitable Advisors with four years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Auburn Community FCU and Visions Federal Credit Union. Outside of her advisory career, she has experience working in educational and community organizations, including Le Moyne College and the Skaneateles Library Association. Equitable Advisors serves a diverse client base, including individuals, high-net-worth clients, retirement plans, corporations, and nonprofits. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, operating primarily through LPL-sponsored platforms and endorsed TAMPs.

Robert Brunette is a financial advisor with Raymond James Financial in Syracuse, NY, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 48 years of industry experience, including roles at Planned Results Inc and Raymond James Financial Services, Inc. Brunette is also involved with Planned Results, Inc., where he serves as a financial advisor. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and consulting utilizing various analytical tools and maintains a unique affiliation with a municipal advisor to support its municipal and public finance services.

Michael Jim is a financial advisor at Wells Fargo Clearing with 32 years of industry experience. He holds Series 63, Series 65, and Series 66 credentials and has been with Wells Fargo Clearing since 2016, following a year at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non‑qualified deferred compensation plans, offering both discretionary and non‑discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, incorporating a broad range of investment options including insurance-related vehicles and bank deposit sweep programs.

Scott Coles is a financial advisor with Morgan Stanley in Syracuse, NY, holding Series 63 and Series 65 designations and offering 28 years of industry experience. He has been with Morgan Stanley since 2015. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and structured discovery processes.

Marcia Irvin is a financial advisor at RBC Capital Markets with 25 years of industry experience. She holds a Series 66 designation and has worked at RBC Capital Markets since 2009, with additional experience at City National Bank beginning in 2024. Outside of her advisory role, she serves as treasurer for the Shepard's Woods Land Owners Association. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with tailored investment strategies and a variety of advisory programs. The firm combines in-house and third-party managers to provide portfolio management, financial planning, and brokerage services.

Leslie Smith is a financial advisor with Cetera, holding a Series 63 designation and 34 years of industry experience. Prior to joining Cetera in 2025, Leslie worked at Avalon, Avantax Advisory Services, and Cadaret, Grant & Co. Outside of advising, Leslie is involved with Avalon Position, a company providing printing, cybersecurity, and document management services to the legal and medical fields. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a multi-manager platform with various portfolio management and financial planning services, supported by a nationwide network of over 10,000 advisors.

Nancy Moak Marshall is a financial advisor at Merrill with Series 63 and Series 66 designations and 40 years of industry experience. She has been with Merrill since 1982 and has worked with Merrill Lynch Pierce Fenner & Smith Inc. since 1980. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers, serving individual, high-net-worth, pension, corporate, and charitable clients.