Joshua Vernon is a financial advisor at Key Investment Services LLC with Series 63 and Series 65 licenses and two years of industry experience. Prior to joining Key Investment Services, he worked at Principal Life Insurance Company, Northwestern Mutual, and held outside sales roles in insurance. Key Investment Services LLC is an SEC-registered investment adviser offering portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional clients through a network of financial professionals. The firm utilizes a multi-provider model for portfolio implementation and integrates with KeyCorp affiliates to provide additional advisory, banking, and risk management services.

Alyssa Piersimoni is a financial advisor at Principal Financial Services, holding Series 63 and Series 65 licenses with two years of industry experience. Her prior work includes positions at Equitable Advisors LLC and several roles in the restaurant industry. She also holds an insurance sales role involving the sale of life, disability, annuities, health, and other insurance products. Principal Securities offers brokerage and registered investment advisory services to a diverse client base, including individuals, retirement plans, trusts, estates, and businesses. The firm provides direct advisory programs, financial planning, and access to third-party money managers under various advisory and promoter arrangements.

Bryant Dudek is a Series 66-licensed financial advisor at Key Investment Services LLC with one year of industry experience. His prior work history includes roles at Keybank and Chase Bank. Key Investment Services LLC is an SEC-registered investment adviser that provides portfolio management and model-based advisory products to a wide range of clients, including individuals, trusts, estates, small businesses, and institutional plans. The firm uses a multi-provider platform with discretionary and non-discretionary management options and is integrated with KeyCorp affiliates offering additional financial services.

Shawn Holahan is a financial advisor at Citizens Securities, Inc. with one year of industry experience. He holds a Series 66 designation and previously worked at Equitable Advisors, LLC. Outside of his advisory roles, he has been involved with the Boy Scouts of America through the National Boys Scouts and the Seneca Waterways Council. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans. The firm offers both investment advisory programs and brokerage and insurance services, including a digital advisory platform and a Managed Account program.

David Reynolds is a Certified Financial Planner® at Citizens Securities, Inc. in Rochester, NY, with 25 years of industry experience. He has worked at Citizens Securities since 2014 and spent a year at LPL Financial prior to that. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm provides a digital advisory platform and managed account programs, operating as a broker-dealer and insurance agency, and is wholly owned by Citizens Bank, N.A.

Thomas Sheehan is a financial advisor with Commonwealth Financial Network in Rochester, NY, holding Series 63 and Series 65 registrations and bringing 38 years of industry experience. He previously worked for Equitable Advisors and Axa Advisors, LLC, spanning from 2005 to 2025. He is also co-owner of Wisehaven Financial, LLC, a private entity involved in securities, advisory, and insurance business. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of nearly 2,900 affiliated advisors and managing approximately $213 billion in client assets. The firm provides a comprehensive adviser-support platform including managed-account programs, access to third-party asset managers, and custody services.

Terri Torregrossa is a financial advisor with Key Investment Services LLC in Rochester, NY, holding Series 63 and Series 66 licenses and 18 years of industry experience. Her career includes various roles within Key Investment Services and Key Bank dating back to 2010. Outside of her advisory work, she is involved in managing residential real estate properties. Key Investment Services LLC is an SEC-registered investment adviser and wrap-fee program sponsor that serves individuals, trusts, estates, small businesses, and institutional clients through a network of financial professionals. The firm offers model-based portfolio management supported by a multi-provider platform and integrates services with KeyCorp affiliates.

Ana Ventura is a financial advisor with Commonwealth Financial Network in Rochester, NY. She holds a Series 66 designation and has been with Commonwealth and TK & Associates since 2025. Her prior experience includes roles in hospitality and education, including positions at Serendipity Labs, Courtyard by Marriott, and Rosen College of Hospitality. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm offers a range of advisory programs and services, providing operations, trading, technology, investment management, compliance, and practice-management support to affiliated advisors.

Cindy Ziegler is a financial advisor with Citizens Securities, Inc. in Rochester, NY, holding Series 63 and Series 65 licenses and having 27 years of industry experience. She has been with Citizens Securities since 2005. Outside of her advisory role, she provides bookkeeping and administrative support for her husband's business. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering investment advisory programs, brokerage, and insurance services. The firm’s advisory offerings include a digital advisory program and a Managed Account program, operating as both a broker-dealer and insurance agency.

Sydia Cromer is a financial advisor at Key Investment Services LLC with 34 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Key Investment Services since 2012, following four years at HSBC Securities (USA) Inc. Outside of her advisory role, she is involved with Young Living Essential Oils as a member. 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 clients through a network of financial professionals. The firm emphasizes non-discretionary model selection supported by multiple wrap programs and integrates services from KeyCorp affiliates to offer a diverse range of investment and advisory solutions.

Philip Guinn is a financial advisor with Commonwealth Financial Network in Rochester, NY. He holds Series 63 and Series 66 licenses and has seven years of industry experience. Prior to joining Commonwealth, he worked at Wisehaven Financial and Equitable Advisors. Outside of his advisory role, he is involved in fixed insurance sales. 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 over $210 billion in client assets. The firm offers a broad adviser-support platform including managed-account programs, access to third-party asset managers, and back-office services.

Hillary Beldue is a financial advisor at Citizens Securities, Inc. in Rochester, NY, with 11 years of industry experience. She holds Series 63 and Series 65 licenses. In addition to her advisory role, she serves as a trustee for the Supplemental Needs Trust and is a Notary Public. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs alongside brokerage and insurance services. The firm employs a variety of investment approaches, including a digital advisory program that uses proprietary algorithms to recommend ETF-based portfolios.

Derek Hayner is a financial advisor at Citizens Securities, Inc. in Rochester, NY, holding a Series 66 designation. He has been with Citizens Securities since 2026 and has prior work experience at BMW of Rochester and Delta Sonic. Citizens Securities serves a diverse retail client base, including individual and high-net-worth investors, offering investment advisory programs, brokerage, and insurance services. The firm’s advisory approach includes a digital program with ETF-based portfolios managed via proprietary algorithms, alongside commission-based brokerage and non-discretionary services.

William Tortorice is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. His prior roles include positions at LPL Financial, American Portfolios Advisors Inc., and Wealth Management Group, LLC. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by providing portfolio management, financial planning, retirement plan consulting, and access to various advisory programs. The firm’s fiduciary-based model incorporates a range of investment strategies and technology platforms, often implementing advice through third-party managers and turnkey asset management programs.

Kristin Holbrook is a financial advisor at Citizens Securities, Inc. in Rochester, NY, with 10 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Citizens Securities since 2015. Citizens Securities serves a broad retail client base including individual and high-net-worth investors and offers both advisory programs and brokerage and insurance services. The firm’s advisory offerings include a digital advisory program and a Managed Account program, and it operates as a broker-dealer and insurance agency.

Benjamin Montreuil is a CFP® professional with 11 years of industry experience, currently affiliated with Key Investment Services LLC. His prior experience includes roles at LPL Financial, M&T Securities, Mass Mutual Investors Services, and AXA Advisors. Montreuil serves in the U.S. Army Reserve and represents his neighborhood as a street representative for a local association. 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 utilizes a multi-provider model and integrates services with KeyCorp affiliates to offer a range of investment and advisory solutions.

Michael Nash is a financial advisor at Key Investment Services LLC with 21 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at J.P. Morgan Securities and JPMorgan Chase. He is based in Rochester, NY. Key Investment Services LLC is an SEC-registered investment adviser that provides portfolio management and model-based advisory products to a range of clients, including individuals, trusts, estates, small businesses, and institutional plans. The firm employs a multi-provider model and integrates services from KeyCorp affiliates to offer diversified investment solutions.

Benjamin Geist is a CFP®-designated financial advisor with 18 years of industry experience, currently affiliated with LPL Financial in Rochester, NY. He has worked at LPL Financial and ESL Investment Services since 2016 and previously at M&T Securities from 2013 to 2016. Outside of his investment advisory role, he has involvement in providing non-variable insurance products including life, disability, and long-term care coverage. 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 advisory and brokerage services, including model portfolios and third-party asset management, supported by advisor-facing technology and a broad platform of related financial services.

Jena Crawford is a financial advisor with LPL Financial, holding the ChFC® designation and Series 63 and 65 licenses, with 13 years of industry experience. She has worked at ESL Investment Services, LLC since 2013 and at LPL Financial since 2012. Outside of her advisory role, she is part-owner of a family business, NJC Property Maintenance, Inc. 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 advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers, supported by technology tools for operational and research purposes.

Richard Giangrasso is a financial advisor with LPL Enterprise and holds Series 63 and Series 65 credentials. He has 36 years of industry experience, including a long tenure at Prudential Insurance Company of America and Pruco Securities, LLC. His other business activities include work related to non-variable insurance products. LPL Enterprise, LLC provides investment advisory and brokerage services to a diverse client base that includes individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm primarily uses model-driven investment implementation and offers financial planning, access to third-party asset managers, and affiliated insurance and trust services.