Zachary Church is a financial advisor at OSAIC with two years of industry experience. He holds the Series 66 designation and previously worked at Lincoln Financial Advisors Corporation. Outside of his advisory role, he is also a life insurance agent operating under Family Wealth & Legacy LLC. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with platforms that support customized portfolio construction and access to third-party money managers.

Christopher Saunders is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and 14 years of industry experience. He has worked with Prudential Insurance Company of America since 2012 and has been with LPL Enterprise since 2024. Saunders is also involved with Finger Lakes Financial Group, focusing on retirement planning and insurance services. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, model portfolio programs, third-party asset management, and access to a range of brokerage and insurance products through an integrated advisory and brokerage platform.

Justin Faulkner is a financial advisor at LPL Financial with 12 years of industry experience. He has worked at Chemung Canal Trust Company and LPL Financial since 2015. Faulkner serves as a non-profit board member on the Town of Southport Zoning Board of Appeals and is involved in tax preparation as part of his other business activities. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients including individuals, retirement plans, and institutional entities through a national network of investment adviser representatives. The firm offers comprehensive financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Kelly Burdick is a financial advisor with LPL Financial and holds Series 63 and Series 66 registrations. Kelly has four years of industry experience, including positions at Maple City Financial Services and Cadaret Grant & Co., Inc. Prior to joining LPL Financial, Kelly also worked at Citizens & Northern Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers a range of financial planning, advisory programs, and retirement plan consulting services supported by research and model portfolios.

John Princiotto is a financial advisor at Morgan Stanley with 42 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2007, including roles at Morgan Stanley & Co., Incorporated, Morgan Stanley Smith Barney, and Morgan Stanley Private Bank, National Association. He holds the Series 63 designation and is based in Elmira, NY. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, including tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and offers both direct and Corporate Financial Planning services.

Debra Butters is a financial advisor at Raymond James Financial with 26 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Wells Fargo Clearing and Wells Fargo Advisors LLC before joining Raymond James. Outside of her advisory work, she is also a rental property owner and manager. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a broad client base, including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and supports a municipal advisor, which is uncommon among large institutional advisors.

John Coulombe is a CFP®-certified financial advisor with 13 years of industry experience. He has worked at LPL Financial since 2018 and was previously employed at Morgan Stanley. Coulombe is also involved with Specific Solutions, Inc., dedicating a small portion of his time to this investment-related activity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management approaches supported by internal and third-party research.

Derek Gowan is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 13 years of industry experience. He has been with LPL Financial since 2012 and previously served in roles with the Community Foundation for the Twin Tiers and the Sayre Elks Lodge. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and research services.

Jonathan Kravitz is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He previously worked for Cadaret, Grant & Co., Inc. for 31 years and has owned Investment Planning Services since 1993. LPL Financial is a national investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios, third-party subadvisors, and advanced technologies in its investment approach.

Brittanie Ockerhausen is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. Her prior roles include long tenure at Scottrade and positions at TD Ameritrade, Rileyo Aerospace, and Citizens & Northern Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, with access to model portfolios, third-party research, and various portfolio management options.

Russell Bancroft is a financial advisor with Morgan Stanley in Elmira, NY, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015. Outside of his advisory work, Bancroft serves as a board member of the Kiwanis Club of Horseheads and is a school sports referee for GST Boces. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. Their financial planning emphasizes structured discovery and firm-approved tools, without individual security recommendations in standalone planning.

David Stearns is a financial advisor at LPL Financial with a Series 66 designation and three years of industry experience. He previously worked at The Prudential Insurance Company of America and Pruco Securities LLC, and spent ten years at Aldi Inc. Outside of his advisory role, Stearns is involved with Robbins Financial, an insurance and financial services business affiliated with his LPL activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and consulting services.

Heather Wilbur is a financial advisor with Mass Mutual Investors Services in Elmira, NY, holding a Series 63 license and with 10 years of industry experience. She has worked at Mass Mutual Investors Services since 2017 and previously at MetLife Securities. Wilbur serves as secretary for the Elmira Express Booster Club, supporting sports, band, and club activities at Elmira High School. Mass Mutual Investors Services, a broker-dealer and SEC-registered investment adviser, provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements using firm-approved software and also runs educational seminars and specialized planning programs.

Noah Kravitz is a financial advisor at LPL Financial with one year of industry experience. He holds a Series 66 designation and previously worked at Cadaret, Grant & Co., Inc. He also operates Kravitz Tax Planning and serves as a board member for Congregation Kol Ami, a nonprofit organization. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services supported by model portfolios, third-party subadvisors, and research from LPL Research.

William Gowin is a financial advisor at LPL Financial with a Series 66 credential and one year of industry experience. His background includes roles at First Citizens Community Bank and Commonwealth University of Pennsylvania, along with six years at Canton Area Junior Senior High School. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of financial planning and advisory programs supported by research and diversified strategies.

William Reilly is a financial advisor with Wells Fargo Clearing in Elmira, NY, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a range of investment options including insurance-related vehicles and bank deposit sweep programs.

Bradley Sparbanie is a financial advisor at LPL Financial with six years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at NYLIFE Securities LLC, New York Life Insurance Company, and Eagle Strategies LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by research and model portfolios.

Jason Glowski is a financial advisor at Edward Jones with 13 years of industry experience. He previously worked at LPL Financial for six years before joining Edward Jones in 2018. He holds a Series 63 designation. Outside of his advisory role, Glowski serves as a board member for Grace Christian Academy in Ulster, PA. 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 under management and offers a range of discretionary and non-discretionary investment strategies, including separately managed accounts and affiliated mutual funds.

Paul Brown II is a financial advisor with LPL Financial in Elmira, NY, holding a Series 66 designation and 13 years of industry experience. His prior roles include positions at Community Bank N.A., Faithward Advisors LLC, Broadview Federal Credit Union, and Key Investment Services. He is also a commissioned notary in the State of New York. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a broad range of advisory programs, financial planning, and brokerage services, offering both discretionary and non-discretionary management with access to model portfolios, third-party research, and various investment strategies.

Noah Hunkele is a financial advisor at Morgan Stanley with one year of industry experience. He holds a Series 66 designation and previously worked with Soccer Shots Franchising. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with tailored financial planning and a wide array of advisory programs. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and investment committee analyses.