Heather Sullivan is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and 23 years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 2002 and is also involved with JDS Telecom LLC and Pfs University. Outside of her advisory role, she receives compensation for referrals related to home security, automation products, and other home services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and separately managed account options primarily for individual and high-net-worth clients. The firm uses third-party asset managers and maintains a tiered wrap fee structure, focusing on curated portfolio models rather than institutional plan management.

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.

David Schnall is a financial advisor at LPL Enterprise with 37 years of industry experience. He previously worked at Pruco Securities, LLC for 35 years before joining LPL Enterprise. Outside of his advisory role, Schnall instructs children and adults in skiing and snowboarding at local mountain resorts. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual investors, retirement plans, and charitable entities, utilizing model-driven portfolio management and offering access to third-party asset managers and insurance products.

Raymond Patraw is a financial advisor with Stifel in Dewitt, NY, holding Series 65 and Series 66 licenses and having 21 years of industry experience. He has worked at Stifel Nicolaus since 2018, and previously at Wells Fargo Clearing and Wells Fargo Advisors LLC. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

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.

Lloyd Tepper is a financial advisor with Primerica Advisors, holding a Series 63 designation and 10 years of industry experience. He has worked at Primerica Advisors and Primerica Financial Services since 2015 and previously spent 14 years at O'Brien & Gere. Outside of advisory work, he is involved in sales of loan products and home security and automation service referrals through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts to individual and high-net-worth clients. The firm curates third-party asset managers and utilizes a tiered wrap-fee structure for its services.

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.

Lisa Mckenney is a financial advisor with RBC Capital Markets in Syracuse, NY, holding Series 63 and Series 65 designations and 29 years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of her advisory role, she serves as a board member for the Jamesville-Dewitt Central School District Board of Education. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with a range of advisory programs that offer portfolio management, financial planning, custody, and brokerage services. The firm customizes investment strategies based on client risk profiles and utilizes both in-house and third-party managers.

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.

Brian Demonte is a financial advisor at RBC Capital Markets with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing and Wells Fargo Advisors. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers various advisory programs with discretionary and non-discretionary portfolio management, financial planning, and brokerage services tailored to each client’s risk profile.

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.

Peter Nicolini is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. His work history includes roles at Syracuse Orthopedic Special, Syracuse City Schools, and SUNY Upstate. He also engages in sales of loan products and home security services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-based investment strategies managed by third parties and supports trade execution and custody through BNY Mellon Advisors and Pershing.