Kristin Walts is a financial advisor with LPL Financial in Brewerton, NY, holding a Series 63 designation and 13 years of industry experience. She has worked at NBT Bank and LPL Financial since 2017 and previously at Scottrade from 2016 to 2017. Outside of advisory services, she is involved with NBT Insurance Agency, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management, supported by LPL Research and third-party subadvisors.

Vincent Mauro is a financial advisor at LPL Enterprise with 10 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including The Prudential Insurance Company of America, PRUCO Securities, LLC, and Cadaret, Grant & Co., Inc. Prior to joining LPL Enterprise, Mauro spent several years at Cadaret Grant and Company Inc. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to a range of brokerage and insurance products through an integrated platform that combines adviser programs with active sales of financial products.

Ryan Smith is a financial advisor with RBC Capital Markets in Syracuse, NY, holding a Series 66 designation and 14 years of industry experience. He previously worked at UBS Financial Services from 2011 to 2025 before joining RBC Capital Markets in 2025. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers tailored investment strategies through various advisory programs and utilizes a combination of in-house and third-party investment managers, incorporating options such as tax management and responsible investing.

Timothy Besio is a financial advisor with Wells Fargo Clearing holding a Series 66 designation. He has prior experience at Besio Consulting Group Ltd, Blue Owl Capital, The Carlyle Group, and PricewaterhouseCoopers LLP. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and other sources.

Courtney Arria is a CFP® professional with 19 years of industry experience, currently serving at LPL Financial since 2006. She holds a Series 63 license and operates out of East Syracuse, NY. She is also named as executor of her husband’s estate. 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 financial planning, advisory programs, retirement plan consulting, and brokerage services with discretionary and non-discretionary management options.

Carol Doyle is a financial advisor at RBC Capital Markets with 25 years of industry experience. She holds Series 63 and Series 65 designations and previously worked for Morgan Stanley Smith Barney LLC for 14 years before joining RBC in 2023. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers a range of advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers.

Alexander Henn is a financial advisor with Equitable Advisors in Syracuse, NY, holding a Series 66 designation and 23 years of industry experience. He has been with Equitable Advisors since 2002 and was previously associated with Axa Advisors, LLC for 18 years. Outside of his advisory role, he serves on the boards of the Mallards Landing Home Owners Association and The Reading League, and acts as executor and power of attorney for his family. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage channels to tailor services based on clients’ goals, risk tolerance, and time horizon.

Matthew Crossman is a financial advisor at Ameriprise with 11 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he provides notary services. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, combining research, modeling, and tax-efficiency analysis to deliver personalized recommendation reports.

Kelly Varnum is a financial advisor with UBS Financial Services in Syracuse, NY, holding a Series 66 designation and bringing 11 years of industry experience. She has been with UBS Financial Services since 2014. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor plans to client goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services and provides a broad range of financial products and capital markets services.

Samuel Reilly is a financial advisor with Equitable Advisors in Syracuse, NY, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. He has been with Equitable Advisors since 2016 and previously worked at AXA Advisors and Dicks Clothing & Sporting Goods. Equitable Advisors serves a broad range of clients, including individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients, providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer, working extensively through program sponsors and third-party managers to deliver advisory and brokerage solutions.

Nicholas Dusckas is a financial advisor with LPL Financial in Syracuse, NY, holding a Series 63 designation and over 41 years of industry experience. He has worked with Linsco/Private Ledger Corp. since 1993 and operates under the DBA Dusckas Advisory Group, LLC. LPL Financial serves a broad client base including individuals, retirement plans, banks, and charitable organizations, offering financial planning, advisory programs, and brokerage services through a nationwide network of investment adviser representatives. The firm provides discretionary and non-discretionary management, utilizes model portfolios and research, and incorporates technologies such as machine learning across its offerings.

Steven Grzelka is a financial advisor with Mass Mutual Investors Services in Syracuse, NY, holding a Series 66 designation and having 20 years of industry experience. He has been with Mass Mutual and its affiliated companies since 2016. Outside of his advisory role, Grzelka serves as a football and lacrosse official and is vice president of a tax planning and bookkeeping business. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, goal-oriented planning using firm-approved analytical tools and offers specialized services including divorce planning and event-driven strategies.

Gary Casab is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. His prior roles include positions at D'arcangelo Financial Group, Paradigm Consulting, and Royal Alliance Associates. He is also involved with Community Bank and The Carta Group in financial institution duties. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers various advisory programs and brokerage services, with both discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

John Benns Jr. is a financial advisor with LPL Enterprise, holding a Series 63 designation and 16 years of industry experience. His prior roles include positions at Prudential Insurance Company of America, Pruco Securities, LLC, and Ameriprise Financial Services, Inc. He is also involved in Prudential-sponsored non-variable insurance activities. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to model wealth portfolios through both advisory and brokerage channels.

Paul Ridley is a Financial Advisor with Merrill Lynch Wealth Management based in Syracuse, NY. He has over 15 years of experience in financial planning, investment management, retirement planning, insurance strategies, and wealth management. Paul works with individuals, families, retirees, and business owners in Syracuse, Central New York, and surrounding communities to develop personalized financial strategies tailored to their specific needs and goals. His approach focuses on understanding each client's unique priorities and objectives. Paul specializes in liquidity management, personal retirement planning, portfolio management services, tax minimization, and retirement income. Throughout his career, he has worked with clients at various life stages and has held roles with Fidelity Investments, Goldman Sachs, and previously as a financial advisor in Syracuse before joining Merrill. Paul holds a bachelor's degree from the University of Kentucky and professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He is involved in community organizations such as Genesis Group, Habitat for Humanity, Helping Hounds, and Humane CNY.

Michael Cousineau is a financial advisor with LPL Enterprise in Syracuse, NY, holding Series 63 and Series 65 credentials and bringing 16 years of industry experience. Prior to joining LPL Enterprise in 2024, he worked with Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory role, he owns and consults for businesses related to the RV rental industry. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset management programs through an integrated platform.

Patrick Mahar is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing extensive experience in financial services since 1995. He joined Merrill Lynch in 2006 following the acquisition of his previous employer. Patrick's professional focus centers on assisting individuals, families, and businesses in achieving their short- and long-term financial objectives through a consultative and objective wealth management approach. Patrick holds the Chartered Retirement Planning Counselor (CRPC) designation awarded by the College for Financial Planning Institutes Corp. He is also a qualified Portfolio Advisor, providing clients with traditional financial advice as well as tailored investment strategies that include Merrill Lynch Wealth Management and approved third-party managers. His areas of expertise include college education planning, family wealth management strategies, personal retirement planning, portfolio management, and investment strategy for both individual and corporate clients. A 1992 graduate of Cornell University, Patrick resides in Westvale, New York, with his wife Beth and their two children. Outside of his professional commitments, he enjoys golf, skiing, ice hockey, music, and spending time with his family.

Bradley Harte is a financial advisor with LPL Enterprise, holding a Series 63 designation and 19 years of industry experience. His career includes roles at Nationwide Investment Services Corporation, Mass Mutual Investors Services, and The Prudential Insurance Company of America. He is also involved with Harte Solutions, a business related to his work with LPL. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers a range of financial planning, advisory, and brokerage services through an integrated platform that combines investment advice, third-party portfolio management, and insurance products.

Ginger Baker is a financial advisor at Wells Fargo Advisors with 28 years of industry experience. She holds a Series 63 designation and has worked previously at Bailey Financial Group and Raymond James Financial Services. Outside of her advisory role, she is involved with Princeton Harriman Insurance Solutions in Sarasota, FL, focusing on insurance business activities. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and uses proprietary research and tools to develop tailored recommendations for its clients.

Joseph Correia is a financial advisor at LPL Financial with eight years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Cadaret, Grant & Co., Inc. and Equitable. Outside of his advisory role, he is involved with Johnson Wealth Management Group LLC and United Financial Services, including tax preparation and non-variable insurance services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, combining discretionary and non-discretionary management with model portfolios and research from multiple sources.