F Libardoni Jr. is a financial advisor at IBN Advisory Services, Inc. with 46 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Cetera Advisors LLC. In addition to advisory work, he has been involved in fixed insurance products since 1978 and provides income tax preparation and filing services through Libardoni Financial since 1998. IBN Advisory Services, Inc. offers asset management and financial planning to a range of clients, including individuals, retirement plans, trusts, and charitable organizations. The firm employs a combination of internal investment teams and third-party managers, developing client portfolios based on individualized investment policy statements.

Richard Stevens is a financial advisor with IBN Financial Services, Inc. in Liverpool, NY. He holds the ChFC® designation and has 41 years of industry experience. Since 2013, he has been with IBN Financial Services and also works as an independent contractor for the Advanced Planning Strategies Program, referring clients to professionals in legal, accounting, and other fields to coordinate comprehensive financial strategies. IBN Financial Services, Inc. is a registered investment adviser with a team of 14 advisors serving individuals, including high-net-worth clients, as well as pension plans, trusts, estates, charities, and business entities. The firm employs a mix of fundamental, technical, and cyclical analysis to manage portfolios using Dynamic Portfolio Strategies and a range of investment vehicles tailored to client objectives and risk tolerances.

Jill Bassett is a financial advisor with Leigh Baldwin & Co., LLC and holds a Series 66 designation. She has 11 years of industry experience, including roles at both Leigh Baldwin & Co. and Prestige Investing LLC. In addition to advisory work, she is the sole owner of a business offering long-term care, disability, fixed annuities, life insurance, and Medicare plan services. Leigh Baldwin & Co., LLC provides discretionary portfolio management and financial planning to individuals—including high-net-worth clients—and various institutional clients. The firm employs a blend of fundamental and technical analysis with a range of investment strategies and utilizes multiple custodial platforms and third-party advisory programs.

Monica Coles is a financial advisor with IBN Financial Services, Inc., holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. Her work history includes roles at Oxford Harriman Private Wealth Management, Thurston Springer Financial, Bristal Lane, Pinnacle Investments, Cadaret, Grant & Co., AmeriCU Credit Union, and Morgan Stanley. IBN Financial Services, Inc. serves individuals, pension and profit-sharing plans, trusts, estates, charities, and business entities, managing approximately $87.65 million in assets. The firm employs multiple methods of analysis and uses a range of investment vehicles, including proprietary strategies and third-party managers, to tailor portfolio strategies according to client objectives and risk tolerances.

Thomas Pyle is a financial advisor with IBN Financial Services, Inc., holding Series 63 and Series 66 licenses and bringing 39 years of industry experience. He has held roles at multiple firms, including American National Insurance and The Guardian Life Insurance Co of America, and owns Pyle Agency, Inc., providing insurance products. Outside of finance, he is a minority member of Medallion Jerseys LLC, a dairy farm, and serves as treasurer of the Vermont Jersey Breeders Association. IBN Financial Services, Inc. is a registered investment adviser serving individuals, pension plans, trusts, estates, charities, and business entities, managing approximately $87.65 million in assets with a team of 14 advisors. The firm employs multiple methods of analysis and primarily uses trade signals from Dynamic Portfolio Strategies to guide diversified portfolio management across various asset classes.

John Dobbertin is a financial advisor with IBN Financial Services, Inc. He holds Series 63, Series 65, and Series 66 licenses and has 27 years of industry experience. Since 2009, he has been affiliated with American Portfolios Financial Services, Inc. Outside of his advisory work, Dobbertin serves as a scout for the Portland Trail Blazers, dedicating significant time monthly to this role. IBN Financial Services, Inc. serves individuals, including high-net-worth clients, as well as pension and profit-sharing plans, trusts, estates, charities, and business entities. The firm offers financial planning, asset management, and consulting through a combination of proprietary strategies and third-party managers, employing multiple methods of analysis and diverse investment vehicles tailored to client objectives and risk tolerances.

Molly Bohrer is a financial advisor at Verum Partners LLC with a Series 65 designation and three years of industry experience. She worked at Morgan Stanley from 2018 to 2021 before joining Verum Partners, where she has been since 2021. Verum Partners provides customized wealth management services primarily to high-net-worth individuals, families, trusts, and estates. The firm offers discretionary portfolio management and financial planning, often engaging Independent Managers while maintaining oversight and due diligence.

Linda Mcanelly is a financial advisor at Leigh Baldwin & CO., LLC with 36 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Leigh Baldwin since 1998, with prior experience at Financial Quest, Inc. and Prestige Investing LLC. Outside of advisory work, she has offered long-term care, disability, fixed annuities, life insurance, and Medicare plans through various insurance companies, and was appointed as a FINRA arbitrator, although she is not currently active in that role. Leigh Baldwin & CO., LLC provides discretionary portfolio management and financial planning services to individual clients, including high-net-worth individuals, as well as institutions such as pension plans and municipalities. The firm employs a mix of fundamental and technical analysis, uses both long- and short-term positions, and may incorporate options strategies, managing about $285 million in discretionary assets through a team of 18 advisors.

Aaron Piquet is a financial advisor with Gateway Wealth Partners, LLC, holding Series 63 and Series 65 credentials and four years of industry experience. He previously worked at Equitable Advisors, LLC, Lifeplan CCO, and Toomey Residential and Community Services. Gateway Wealth Partners is a registered investment adviser serving individuals, corporations, and retirement plans. The firm provides financial planning, consulting, wealth management, and retirement plan consulting, typically allocating client assets among low-cost, diversified mutual funds and ETFs, supplemented by individual stocks, bonds, and independent managers using both fundamental and technical analysis.

John Serafin is a financial advisor with Mutual of Omaha Investor Services, Inc., holding the ChFC® designation and Series 63 and 65 licenses. He has 22 years of experience with Mutual/United of Omaha and also operates a sports memorabilia business in Liverpool, NY. His prior experience includes various roles in insurance sales across multiple companies. Mutual of Omaha Investor Services, Inc. provides advisory services to individuals, corporations, and qualified retirement plans with offerings that include financial planning, managed account programs, and retirement plan consulting. The firm operates primarily through a platform relationship with Envestnet and combines investment advisory services with broker-dealer and insurance distribution within the Mutual of Omaha group.

Albina Balkic is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 66 designations and bringing 13 years of industry experience. She has worked with Key Investment Services LLC since 2016, including a role at KeyBank during that period. Key Investment Services LLC is an SEC-registered investment adviser and wrap-fee program sponsor that provides portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional clients through a network of financial professionals. The firm employs a multi-provider model involving Envestnet, the Key Wealth Chief Investment Office, and third-party managers, offering discretionary and non-discretionary investment options along with various wrap programs and ancillary insurance products.

Christian Brown is a financial advisor at Key Investment Services LLC with 22 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at LPL Financial and M&T Securities, Inc. Key Investment Services LLC is an SEC-registered investment adviser and wrap-fee program sponsor that provides portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional plan clients through a large network of financial professionals. The firm utilizes a multi-provider model with discretionary and non-discretionary portfolio options and offers various wrap programs supported by affiliated custodial and insurance services.

Michael De Bottis is a financial advisor with Key Investment Services LLC based in Liverpool, NY. He holds Series 63 and Series 66 licenses and has seven years of industry experience. His prior work includes roles at LPL Financial, M&T Securities, Equitable Advisors, and AXA Advisors. Key Investment Services LLC is an SEC-registered investment adviser and wrap-fee program sponsor that provides portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional plan clients through a network of financial professionals. The firm employs a multi-provider model integrating Envestnet and KeyCorp affiliates, focusing primarily on non-discretionary asset management within wrap-fee programs.

Richard Marsh Jr. is a financial advisor at Key Investment Services LLC with 34 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at LPL Financial and M&T Bank. Key Investment Services LLC is an SEC-registered investment adviser that provides portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional plan clients through a network of financial professionals. The firm uses a multi-provider model and offers several wrap-fee programs with custodial and trade execution services supported by KeyCorp affiliates.

Daniel Michel is a financial advisor at Lincoln Investment with 36 years of industry experience. He holds a Series 63 designation and has previously worked at Legend Advisory Corporation and Legend Equities Corporation. Outside of advising, Michel is president and treasurer of Michel Tax & Accounting Service, Inc., which provides tax preparation and business management services. Lincoln Investment Planning, LLC is a large enterprise investment advisory firm serving a diverse client base including individuals, high-net-worth investors, trusts, charities, and retirement plans. The firm offers financial planning, portfolio management, and access to third-party managers, supported by an in-house Investment Management & Research team that constructs strategic model portfolios and adaptive strategies.

Michael Sheridan is a CFP® with 32 years of industry experience, currently serving at Independent Financial Partners since 2020. His prior experience includes 15 years at Key Investment Services LLC. Outside of his advisory role, he is involved as the owner of a holding company and an S-Corp related to financial services compensation. Independent Financial Partners offers investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisors. The firm supports a multi-advisor platform with discretionary and non-discretionary account management, and is notable for its formal retirement-plan advisory and pension consulting capabilities.

Collin Avery is a financial advisor at Key Investment Services LLC with four years of industry experience. He holds a Series 66 designation and has worked at KeyBank, Mariner Finance, and Sir Walter Chevrolet prior to his current role. Key Investment Services LLC is an SEC-registered investment adviser providing portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional plan clients. The firm uses a multi-provider model with discretionary and non-discretionary management options and integrates services from affiliated entities including KeyBank and KeyBanc Capital Markets.

Ellen Raflowski is a Series 66 licensed financial advisor with Valic Financial Advisors, bringing 13 years of industry experience. She has worked with Valic Financial Advisors since 2016 and is also associated with Agia in a non-securities insurance capacity. Valic Financial Advisors serves primarily U.S. individuals, including high net worth clients and employer-sponsored retirement participants, offering portfolio management, financial planning, and discretionary unified managed accounts through a large network of advisors.

Ernesto Smith Fernandez is a financial advisor at Key Investment Services LLC with three years of industry experience. He holds a Series 66 designation and has worked at firms including Equitable Advisors, LLC and KeyBank. He also has a background that includes military service with the Fuerzas Armadas Revolucionarias and teaching at Preuniversitario Saul Delgado. Key Investment Services LLC is an SEC-registered investment adviser that provides portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional clients through a network of financial professionals. The firm uses a multi-provider model and integrates services from KeyCorp affiliates, offering a variety of wrap programs and investment solutions largely managed on a non-discretionary basis.

Erin Puff is a financial advisor with GWN Securities Inc. and holds Series 65 and Series 63 licenses. She has one year of industry experience and also serves as Operations Manager at Djpuff Advisors Group, Inc., where she manages office operations and financial services. Erin has been associated with Djpuff Advisors Group, Inc. since 2014 and with GWN Securities since 2025. GWN Securities provides investment advisory and related services to individual and corporate clients through a variety of managed account programs and financial planning options. The firm utilizes a mix of affiliated and unaffiliated sub-advisers and employs asset allocation and Modern Portfolio Theory, while maintaining a distinctive focus on market-timing and momentum-based strategies in certain programs.