Jason Ostapczuk is a financial advisor with Citizens Securities, Inc. in Binghamton, NY, holding a Series 66 designation and nine years of industry experience. His prior roles include positions at Wells Fargo Advisors LLC and Wells Fargo Clearing. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs as well as brokerage and insurance services. The firm’s advisory offerings include a digital advisory program managed in partnership with SigFig and a separate Managed Account program.

Robert Palmer is a Certified Financial Planner (CFP®) with 26 years of industry experience. He is currently with Focus Partners Wealth, LLC and previously worked at Atlas Private Wealth Management, LLC and The Colony Group, LLC. Focus Partners Wealth serves a diverse client base including individuals, high-net-worth families, family offices, corporations, retirement plans, and institutions. The firm offers a range of wealth management and advisory services focused on a long-term, tax- and fee-sensitive investment approach that incorporates both fundamental and quantitative analysis.

Joseph Murphy is a financial advisor with Key Investment Services LLC, holding a Series 66 designation and 12 years of industry experience. His career includes roles at KeyBank from 2015 to 2022, alongside overlapping responsibilities at Key Investment Services LLC since 2015. Key Investment Services LLC provides advisory services to individuals, trusts, estates, small businesses, and corporate clients through various programs, including wrap-fee advisory, model portfolios, separately managed accounts, and brokerage products. The firm emphasizes client-directed investment strategy selection supported by non-binding recommendations and ongoing oversight, operating within the KeyCorp group and maintaining affiliations with KeyBank and KeyBanc Capital Markets.

Alexander Dunn is a financial advisor at Goldman Sachs Wealth Services with 10 years of industry experience. He holds a Series 66 designation and has worked at Goldman Sachs & Co. LLC since 2021, following six years at The AYCO Company, L.P./Mercer Allied. Goldman Sachs Wealth Services provides financial planning, investment management, and related advisory support to a diverse client base, including individuals, high-net-worth households, corporate participants, and institutional clients. The firm leverages centralized investment resources and integrated affiliate capabilities to deliver tailored wealth management solutions.

Gregory Gosier is a CFP® with 23 years of industry experience, currently serving as a financial advisor at Voya Financial Advisors, Inc. since 2014. He holds the Series 66 designation and operates out of Saratoga Springs, NY. Outside of his advisory role, he is an independent insurance agent and owner of Empire State Wealth Management LLC, which provides insurance and investment product services. Voya Financial Advisors, Inc. offers investment advisory, brokerage, financial planning, and retirement plan services to a diverse client base including individuals, charitable organizations, corporations, and plan sponsors. The firm employs a mix of model portfolios and manager-driven strategies, supporting both discretionary and non-discretionary accounts through an integrated advisory and broker-dealer platform.

Jake Pusateri is a financial advisor at Citizens Securities, Inc. in Albany, NY, with eight years of industry experience. He holds the Series 63 and Series 66 designations and has worked at firms including Wells Fargo and JPMorgan Chase Bank. Outside of finance, he has worked as a bartender at Buteras Restaurant of Bay Shore. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs as well as brokerage and insurance services. The firm provides a digital advisory platform and managed account programs, operating as both a broker-dealer and insurance agency, and is wholly owned by Citizens Bank, N.A.

Peter O'Connor is a financial advisor at Goldman Sachs Wealth Services with 22 years of industry experience. He holds a Series 63 designation and has worked at Goldman Sachs & Co. LLC since 2021, following an 18-year tenure at The AYCO Company, L.P./Mercer Allied. Goldman Sachs Wealth Services provides financial planning, investment management, and related advisory support to a wide range of clients, including individual and high-net-worth households, corporate participants, and institutional clients. The firm utilizes centralized investment resources and model portfolios, offering tailored solutions such as Executive Wealth and Private Family Office support within a large integrated financial group.

Matthew Mead is a financial advisor with Cetera, holding a Series 66 designation and 12 years of industry experience. His prior roles include seven years at the Office of the NYS Comptroller and three years at The AYCO Company, L.P./Mercer Allied. He has been with Cetera Investment Advisers LLC since 2026. Cetera Investment Advisers LLC is an SEC-registered firm serving individual clients, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and consulting services, operating a multi-manager platform with diverse program options and over $256 billion in assets under management.

Sharon Dilorenzo is a financial advisor at Mass Mutual Investors Services with 23 years of industry experience. She holds the ChFC® and Series 63 designations and has worked previously at Metlife Securities. She is also an independent insurance agent specializing in life, accident, health, property, and casualty insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing, collaborative financial planning engagements supported by analytical tools and offers additional services such as educational seminars and event-driven planning programs.

Matthew Greenwood is a financial advisor with Cetera, holding Series 63 and Series 66 designations and over 31 years of industry experience. He has worked at Cetera since 2019 and previously spent 24 years at Foresters Financial and 7 years at Foresters Advisory Services LLC. He serves as Vice President of the Glens Falls Grandstanders Booster Club. Cetera Investment Advisers LLC is an SEC-registered firm that provides portfolio management, financial planning, and retirement services to individuals, retirement plans, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a multi-manager platform with a variety of program options and manages over $256 billion in assets.

Ernest Selke Jr. is a financial advisor with Mass Mutual Investors Services, holding the CFP® and ChFC® designations and over 36 years of industry experience. He previously worked at Metlife Securities Inc. for 28 years before joining Mass Mutual Investors Services and MassMutual Life Insurance Co. He serves as an elder at King of Kings Lutheran Church, assisting members with their spiritual needs. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm offers collaborative, annual financial planning engagements using firm-approved tools and supports a range of event-driven planning services.

Robert Barberis is a financial advisor with Wells Fargo Clearing who holds Series 63 and Series 65 licenses and has 38 years of industry experience. Prior to joining Wells Fargo in 2021, he worked at Morgan Stanley Private Bank, National Association from 2015 to 2021. He serves as a co-trustee for a family trust. 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 a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Fred Gallo is a financial advisor with Charles Schwab who holds Series 63, 65, and 66 designations and has 24 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2012. Charles Schwab & Co., Inc. serves a very large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory services with access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Brooks Hastings is a financial advisor at LPL Financial with 29 years of industry experience. He holds Series 63 and Series 65 designations and has worked at LPL Financial since 2019, following roles at Wells Fargo Clearing and Wells Fargo Advisors. 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 advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by model portfolios and research from various sources.

Elizabeth Lucia is a financial advisor with Cetera who holds a Series 66 designation and has one year of industry experience. Prior to her current role, she has worked in various positions including real estate sales. Outside of her advisory duties, she is a licensed real estate salesperson assisting buyers and sellers in residential real estate transactions. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with access to third-party money managers and a range of portfolio management and financial planning services.

Matthew Morrison is a Series 66 registered financial advisor at J.P. Morgan Securities with 10 years of industry experience. His prior experience includes 16 years at Bank of America/Merrill before joining J.P. Morgan in 2026. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to support its recommendations.

Michael Jaycox is a financial advisor at Morgan Stanley in Latham, NY, holding a Series 66 credential with three years of industry experience. His prior work includes roles at Saratoga National Bank and Trust Company, Bank of America, and several other companies in diverse sectors. He has experience in both financial services and entrepreneurial ventures. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm provides tailored financial planning and a wide range of advisory programs leveraging structured planning tools and broad investment capabilities.

Dana Cafaro is a financial advisor with Cetera Investment Services LLC, holding Series 63 and Series 66 credentials and 19 years of industry experience. Prior to joining Cetera in 2019, Cafaro worked at Foresters Financial for 12 years and at Catholic Charities for 9 years. Outside of advising, Cafaro is a licensed notary. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting over 10,000 advisors and managing more than $256 billion in assets.

Melissa Currier is a financial advisor with Morgan Stanley in Latham, NY, holding a Series 66 designation and 25 years of industry experience. She has been with Morgan Stanley since 2012. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and analysis methods such as Monte Carlo simulations to support its advisory services.

Charles Mott is a CFP® with six years of industry experience, currently affiliated with Cetera. His prior experience includes roles at Northwestern Mutual and Selective Insurance. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party money managers.