Christopher Yurko is a financial advisor with Cetera, holding a Series 63 designation and 16 years of industry experience. He has worked at Cetera and its affiliates since 2019 and previously spent nine years at Foresters Financial. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management options and reported over $256 billion in assets under management.

Rachael Kettle is a financial advisor with LPL Financial in Endicott, NY, holding Series 63 and Series 65 licenses and six years of industry experience. She has worked at LPL Financial since 2020 and is associated with Visions Analysis LLC and Visions Federal Credit Union. Additionally, she is a commissioned notary public in New York. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering financial planning, model portfolios, and institutional platforms to individuals, retirement plan participants, banks, and trust companies. The firm supports a large network of advisors and integrates various advisory tools and services with a broad range of non-advisory financial offerings.

Alyssa Clark is a financial advisor with LPL Financial in Endicott, NY, holding Series 63 and Series 65 licenses and five years of industry experience. She has worked with Visions Analysis LLC and the New York State Gaming Commission, where she serves as a Licensing Assistant for the Presiding Judge. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a range of financial planning and portfolio management options, including model portfolios and third-party asset management, supported by operational tools and a broad non-advisory financial services platform.

Jill Chapman is a financial advisor at Cetera with 23 years of industry experience. She holds a Series 63 designation and has worked at Cetera since 2019, following nine years at Foresters Financial. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party managers.

Patrick Ousterout is a CFP® professional with 12 years of industry experience, currently serving as a financial advisor at Edward Jones since 2013. He also has a concurrent role at Pella Windows & Doors. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large nationwide network of advisors and branches.

David Mazzini is a financial advisor at Edward Jones in Endicott, NY, holding a Series 66 designation with 13 years of industry experience, all with Edward Jones since 2013. Outside of his advisory role, he is involved in managing rental property activities. Edward Jones is a full-service wealth management firm serving both individual and institutional clients with over $1 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Kent Sisco is a financial advisor with Cetera based in Endicott, NY, holding Series 63 and Series 66 licenses and nine years of industry experience. His prior roles include eight years at Edward Jones and a year each at Movement Mortgage and Citizens Savings Bank. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers portfolio management, financial planning, and access to multiple program platforms and third-party managers, managing over $256 billion in assets across more than 10,000 advisors.

Keenan Miller is a financial advisor with Equitable Advisors in Endicott, NY, holding a Series 66 designation and 13 years of industry experience. He has been with Equitable Advisors and its predecessor AXA Advisors since 2013. Miller serves as Young Life Committee Chair for the Greater Northeast Region and is a board member of Catholic Charities Tompkins/Tioga. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm uses a variety of third-party advisory programs and offers ERISA fiduciary services to qualified plans.

Peter Moschak is a financial advisor with LPL Financial, holding a Series 66 designation and 13 years of industry experience. His prior roles include positions at Voya Financial Advisors, Inc. and Wells Fargo Advisors. He also operates Moschak Financial Services, an entity supporting his LPL business activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services through a large network of representatives to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, incorporating model portfolios, third-party subadvisors, and customized strategies.

Michael Chambers is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 43 years of industry experience. He has been associated with Linsco / Private Ledger Corp. since 2004 and operates under the DBA North Branch Financial Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services, including financial planning, model portfolio programs, and access to third-party asset management, supported by a large network of investment adviser representatives and advanced operational tools.

Kevin Kirchheimer is a financial advisor with Ameriprise in Binghamton, NY, holding a Series 66 designation and 16 years of industry experience. He has been with Ameriprise and its affiliated entities since 2008. Outside of his advisory role, he is authoring a book titled "Financial Advisors Also Retire," which addresses business considerations for financial advisors planning their retirements. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, providing detailed written recommendations that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm delivers these services through a centralized consulting team using research, modeling, and algorithmic tools, alongside a broad range of advisory, brokerage, and insurance solutions.

Cindy Miller is a CFP® with 27 years of industry experience, currently serving at Cetera. She has worked with Avantax Investment Services, Inc. and operated her own firm, Miller Financial Services, since 1989. In addition to her advisory work, she owns and operates a tax preparation and accounting business. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large nationwide network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients through a multi-manager platform offering diverse portfolio management and financial planning services.

Brian Derry is a financial advisor with Ameriprise in Endicott, NY, holding a Series 66 designation and 16 years of industry experience. He has been with Ameriprise and its related entities since 2009. Outside of his advisory role, he serves as Vice President on the Board of Directors for the Union Volunteer Emergency Squad. Ameriprise offers retirement-income planning services targeted at individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored recommendations. The firm serves a broad client base through a range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

David Allen is a financial advisor with LPL Financial in Owego, NY, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with LPL Financial since 1999 and also worked at Tioga State Bank for 24 years. Allen serves as a board member of the Tioga County Republican Committee. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of investment solutions including financial planning, model portfolio programs, and institutional platforms, supported by extensive operational and research tools.

John Coulombe is a CFP® with 14 years of industry experience and currently serves as a financial advisor at LPL Financial in Spencer, NY. His prior roles include positions at Morgan Stanley and Equitable Advisors. He is also involved with Specific Solutions, Inc., a separate business focused on non-variable insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services through a large network of representatives to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolios, third-party asset management, and institutional platforms.

Stephen Carr is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and over 38 years of industry experience. He has worked with Mass Mutual since 2013 and has been associated with MML Investors Services, Inc. since 1999. Outside of his work at MassMutual, he acts as a broker for various insurance carriers through PRL Associates. MML Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and investment advisory services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers comprehensive planning approaches supported by technology and caters to a range of client needs, including high-net-worth and event-driven planning.

Caitlin Kuhnen is a CFP® professional with eight years of experience in the financial services industry, currently serving with LPL Financial. Her background includes roles at Wells Fargo Clearing and NBT Bank, alongside entrepreneurial involvement with Visions Analysis LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive operational and research tools.

Joanne Johnson is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 12 years of industry experience. She has previously worked with M&T Bank, M&T Securities, and Lesko Securities Inc. Johnson is also a notary public in Binghamton, NY. 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, third-party asset management, and institutional platforms.

John Nolt is a financial advisor at LPL Financial with 21 years of industry experience. He holds Series 63 and Series 66 credentials and has previous experience at M&T Bank and M&T Securities. 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, supported by advanced operational tools and a large network of over 22,800 advisors.

Benjamin Herrick is a financial advisor with Cetera, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Edward Jones and Keller Williams Realty Greater Binghamton. He owns Herrick Holdings Management, a holding company related to income earned through Cetera investors and payroll software processing. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management, financial planning, and consulting services, supported by a nationwide network of over 10,000 independent advisors.