Justin Carruthers is a financial advisor with Goldman Sachs Wealth Services, holding a Series 66 designation and six years of industry experience. He has worked at Goldman Sachs & Co. LLC since 2021 and previously held roles at The Ayco Company, L.P./Mercer Allied, TD Bank, and Peckham Materials. Outside of his financial career, he participated in intramural basketball during his time at Hartwick College. Goldman Sachs Wealth Services advises a diverse client base, including individual and institutional investors, offering financial planning, portfolio management, and specialized services such as Private Family Office and Executive Wealth programs. The firm utilizes strategic allocation models and both discretionary and non-discretionary implementations, leveraging proprietary analytics and a broad range of affiliated capabilities across the Goldman Sachs ecosystem.

Vanessa Jones is a financial advisor at Goldman Sachs Wealth Services with a Series 66 designation and one year of industry experience. Her prior roles include positions at the University of Rhode Island and the New York State Office of Children and Family Services. Goldman Sachs Wealth Services provides financial planning and portfolio management to a diverse client base, including individual investors, executives, and institutional clients. The firm uses a range of strategic and tactical allocation models and offers services such as Private Family Office, Specialized Executive Wealth programs, and access to Alternative Investments.

Frank Roylance is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. He has been with Key Investment Services since 2015. Outside of his advisory role, Roylance is involved in managing rental property. Key Investment Services LLC provides advisory services to individuals, trusts, estates, small businesses, and corporate clients through various wrap-fee programs, model portfolios, and managed accounts. The firm emphasizes client-directed investment strategies with ongoing monitoring and access to third-party discretionary managers, operating within the KeyCorp group and closely affiliated with KeyBank and KeyBanc Capital Markets.

John Cunningham is a financial advisor with Equity Services, Inc. and National Life Group, holding Series 65 and Series 63 licenses and bringing 39 years of industry experience. He previously worked at Boston Harbor Investment Management, LLC for five years. Outside of his advisory roles, Cunningham serves as a senior partner and director of advanced markets at Harness Wealth Strategies, focusing on insurance-based solutions. Equity Services, Inc. (dba ESI Financial Advisors) provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms, frequently utilizing third-party asset managers and combining long-term strategies with options for shorter-term trading and specialized instruments.

Christopher Mingone is a financial advisor with Citizens Securities, Inc. He holds a Series 66 designation and has three years of industry experience. Prior to joining Citizens Securities in 2025, he worked at Equitable Advisors and Dealer.com. 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 operates both a digital advisory program utilizing ETF-based portfolios and a managed account program, and it is wholly owned by Citizens Bank, N.A.

William Lanzoni is a financial advisor with Goldman Sachs Wealth Services holding a Series 66 designation. He has been with Goldman Sachs & Co. LLC since 2025. His prior experience includes roles in both academic settings and local government. Goldman Sachs Wealth Services advises a diverse client base, including individual investors across wealth levels, corporate executives, plan sponsors, and institutional clients. The firm offers tailored financial planning and portfolio management supported by proprietary research and a range of specialized programs and investment platforms.

Max Koen is a Series 66 licensed financial advisor with Goldman Sachs Wealth Services, having one year of industry experience. Prior to joining Goldman Sachs Ayco in 2025, he worked at Trustco Bank and SUNY Geneseo in various roles. Goldman Sachs Wealth Services advises a wide range of clients including individual investors, executives, and institutional clients, offering financial planning, portfolio management, and specialized wealth programs. The firm leverages a broad advisory platform with proprietary research, strategic asset allocation, and integration within the Goldman Sachs ecosystem.

Amanda Lewsey is a financial advisor with GWN Securities Inc. in Albany, NY. She holds Series 65 and Series 63 credentials and has been with GWN Securities and Northeast Wealth Management since 2025. Prior to her advisory career, she worked in various roles including at Southwestern Vermont Medical Center and several hospitality and beverage-related businesses. Outside of finance, she has experience working with craft breweries and distilleries. GWN Securities provides investment advisory services to individual and corporate clients through managed account programs, financial planning, and introductions to third-party managers. The firm uses a combination of model-based allocations and discretionary portfolio management, incorporating both affiliated and unaffiliated sub-advisers, and is noted for its use of market-timing and momentum-based strategies in certain programs.

Christopher Wilson is a financial advisor at TIAA‑CREF with 22 years of industry experience. He holds the Series 66 designation and has been with TIAA‑CREF since 2014. Outside of his advisory role, he is involved in managing several real estate investment entities and a holding company focused on estate planning. TIAA‑CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning, discretionary managed account programs, and broker‑dealer services primarily to individuals with existing TIAA retirement plan relationships, as well as trusts, estates, partnerships, and small retirement plans. The firm combines point‑in‑time planning with ongoing portfolio management under a fiduciary standard and serves as adviser to a donor‑advised fund.

Cara Hayes is a financial advisor at Citizens Securities, Inc. in Albany, NY, holding a Series 66 designation with six years of industry experience. Her career includes roles at JPMorgan Chase Bank, Merrill Lynch, and various credit unions. Outside of her advisory work, she volunteers as a cookie booth supervisor for the Girl Scouts of Southern New England. 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 provides both a digital advisory program and managed accounts, operating as a broker-dealer and insurance agency under the ownership of Citizens Bank, N.A.

Jared Smith is a financial advisor at Goldman Sachs Wealth Services with a Series 66 designation and two years of industry experience. His prior work includes roles at The Goldman Sachs Group, Inc., The Carta Group, Community Bank Systems, Inc., SUNY Oswego, and Paul V. Moore High School. Goldman Sachs Wealth Services provides financial planning, investment management, and advisory support to a diverse client base, including individuals, high-net-worth households, corporate participants, and institutional clients. The firm utilizes centralized investment resources and a combination of discretionary and non-discretionary managers, offering tailored services such as Executive Wealth and Private Family Office support within a large integrated financial group.

Amanda Ripley is a financial advisor at Goldman Sachs Wealth Services with five years of industry experience. She holds the Series 66 designation and has previously worked at Purshe Kaplan Sterling Investments and WSWHE Boces. Goldman Sachs Wealth Services provides financial planning and portfolio management to a broad client base, including individual investors, corporate participants, executives, and institutional clients. The firm employs strategic and tactical allocation models and offers access to specialized programs and alternative investments through integrated teams and affiliated Goldman Sachs entities.

Tanner Dydo is a financial advisor at Goldman Sachs Wealth Services with Series 66 and Series 63 credentials and two years of industry experience. Prior to joining Goldman Sachs, he held roles at Le Moyne College, BHG Financial, The Brewster Inn, Meadow Wood Farms, and Camp Dudley. Goldman Sachs Wealth Services advises a diverse client base, including individual investors, executives, plan sponsors, and institutional clients, providing financial planning, portfolio management, and specialized programs. The firm leverages proprietary research, tactical allocation models, and integrated resources across the Goldman Sachs platform to tailor client solutions.

Jonathan Woods is a financial advisor at Goldman Sachs Wealth Services with 21 years of industry experience. He holds a Series 66 designation and has worked at Goldman Sachs & Co. LLC since 2021, following a 16-year tenure at The AYCO Company, L.P./Mercer Allied. Goldman Sachs Wealth Services delivers financial planning, investment management, and advisory support to a diverse client base, including individual, high-net-worth, corporate, charitable, and institutional clients. The firm leverages centralized investment resources and offers integrated services across affiliates, including banking and retirement consulting, to provide tailored wealth solutions.

Kyle Mc Carey is a Series 66-licensed financial advisor with Goldman Sachs Wealth Services, bringing three years of industry experience. Prior to joining Goldman Sachs, he worked at Cadaret Grant & Co., Inc. and Westchester Financial Partners. Goldman Sachs Wealth Services offers financial planning and investment management to a diverse client base, including individuals, high-net-worth households, corporations, and charitable institutions. The firm utilizes centralized investment resources and model portfolios, delivering both discretionary and non-discretionary management while providing specialized programs such as Executive Wealth and Private Family Office support.

Terrence Pellitteri is a CFP®-designated financial advisor with 29 years of industry experience. He has been with Commonwealth Financial Network since 2016 and previously worked for Linsco/Private Ledger Corp. for 20 years. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs, investment management, and practice-management support, allowing affiliated advisors discretion to construct client portfolios from various securities and insurance products.

Seifeldin Refaat is a financial advisor at Goldman Sachs Wealth Services with five years of industry experience. He holds a Series 66 designation and has worked at Goldman Sachs & Co. LLC since 2019, following roles at The Ayco Company and AXA Advisors. Goldman Sachs Wealth Services provides financial planning, portfolio management, and specialized wealth programs to a diverse client base including individuals, executives, plan sponsors, and institutional clients. The firm employs strategic allocation models and offers a range of service platforms supported by the broader Goldman Sachs ecosystem.

Thabo Bakhuluma Ncube is a financial advisor at Goldman Sachs Wealth Services with one year of industry experience. He holds a Series 66 designation and has worked previously at Goldman Sachs Ayco Personal Financial Management and in financial aid and services roles at Skidmore College. Goldman Sachs Wealth Services provides financial planning, investment management, and advisory support to a diverse client base, including individuals, high-net-worth households, corporate participants, and institutional clients. The firm utilizes centralized investment resources and offers tailored solutions such as Executive Wealth, Private Family Office support, and retirement plan education, delivering services through both discretionary and non-discretionary management.

Colin Giombetti is a financial advisor at Goldman Sachs Wealth Services with three years of industry experience. He holds a Series 66 designation and has worked at Goldman Sachs & Co LLC since 2023. His prior work includes roles at Purshe Kaplan Sterling Investments and involvement with the Olds Irish Social Club. Goldman Sachs Wealth Services advises a diverse client base including individual investors, corporate participants, executives, and institutional clients. The firm offers tailored financial planning and portfolio management, utilizing strategic allocation models and a range of platforms, supported by an integrated approach leveraging the broader Goldman Sachs ecosystem.

James Thorp is a financial advisor at Janney Montgomery Scott with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Janney Montgomery Scott continuously since 2015. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base, including individuals, families, trusts, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering a range of brokerage, financial planning, consulting, and advisory programs.