Martha Cacciola is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she serves as a notary public and acts as a trustee for a patents trust in Syracuse, NY. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is driven by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Timothy Grumley is a financial advisor at Wells Fargo Clearing with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at J.P. Morgan Securities. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking, with a notable inclusion of insurance-related products and bank deposit sweep options.

Brian Barlow is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 18 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Michael Hopkins is a financial advisor at Edward Jones with one year of industry experience. He holds a Series 66 designation and previously worked at Amazon.com for seven years and at Syracuse University for two years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies and maintaining a large network of advisors and branch offices across the United States.

Michael Tisdell is a financial advisor at LPL Financial with 15 years of industry experience. He holds Series 63 and Series 66 designations and has worked at LPL Financial since 2018, following two years at INVEST Financial Corp. He is also associated with Community Bank since 2016. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides a range of advisory programs, financial planning, and brokerage services supported by proprietary and third-party research and technology.

Sandra Brigandi is a financial advisor with Morgan Stanley in Syracuse, NY, holding a Series 63 designation and 30 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and models to support its financial planning process.

Shelly Terzolo is a financial advisor with Cetera, holding a Series 63 designation and bringing 23 years of industry experience. She has worked at Cetera since 2021 and previously held roles at Avantax Insurance Agency, Avantax Advisory Services, and Avantax Investment Services dating back to 2002. Terzolo is the owner and president of The Terzolo Financial Group, Inc., which provides tax and accounting services in addition to investment services. She also serves as a sponsorship committee member for the Road to Emmaus Ministry board. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. 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 managers.

James Szczesniak is a financial advisor with Wells Fargo Clearing in Syracuse, NY, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He previously worked at Merrill from 2009 to 2022 before joining Wells Fargo Clearing in 2022. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader set of financial product offerings, such as insurance-related vehicles and bank deposit sweep options, compared to many large institutional advisers.

Ryan Kowadla is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined Merrill in 2008 as a financial advisor and works closely with individuals and families to develop clear financial objectives and implement customized strategies tailored to their needs. Ryan's areas of expertise include employee benefits planning, family wealth management strategies, institutional consulting, and personal retirement planning. He holds several professional designations including Certified 401(k) Professional (C(k)P®), Chartered Retirement Plans Specialist™ (CRPS™), Certified Plan Fiduciary Advisor® (CPFA®), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Ryan earned his bachelor's degree in business from Florida Atlantic University and a master's degree in business administration with a distinction in finance from Florida Gulf Coast University. As a native of Southwest Florida, Ryan and his family reside in Lakewood Ranch where they enjoy spending time outdoors and visiting Disney World.

Jadon Lee is a financial advisor with Equitable Advisors in Syracuse, NY, holding a Series 66 credential. He has one year of industry experience and has held various roles prior to joining Equitable Advisors, including positions in consulting and retail. Equitable Advisors serves a diverse client base, including individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, utilizing a delivery model that emphasizes LPL-sponsored programs and endorsed TAMPs.

David Schneid is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 20 years of professional experience to his role. He joined Merrill Lynch in 2016 and holds Series 7 and Series 66 FINRA registrations, along with NMLS licensure. David works with business owners, high net worth individuals, and families to develop financial strategies aimed at achieving both short and long-term goals. Before joining Merrill Lynch, David served as CEO of Summit Software, Microsoft’s authorized licensing agent for Visual Basic for Applications, and began his career as a mortgage trader. His background also includes experience with technology startups and investment banking. He earned a Bachelor of Science degree in Business Management and Marketing from Cornell University, where he played four years of varsity lacrosse and three years of junior varsity ice hockey. David later obtained an MBA in Finance and Entrepreneurship from Columbia University. David is active in his local community, coaching youth hockey and youth lacrosse with the Camillus Youth Hockey and Camillus Youth Lacrosse organizations. He resides in Syracuse, New York, with his wife and six children, and balances his professional career with his personal interests in various sports and family activities.

Jorge Martinez is a Financial Advisor at Merrill Lynch Wealth Management, having joined the firm in 2024. He brings nearly 11 years of experience in the financial industry, focusing on building strong client relationships and providing personalized financial advice. Jorge works closely with clients to understand their individual and family goals, enabling informed decisions about their financial futures. His areas of expertise include managing new wealth, personal retirement planning, and retirement income strategies. Jorge holds the Chartered Retirement Planning Counselor™ (CRPC™) and Personal Investment Advisor (PIA) designations. He earned his bachelor's degree from the State University of New York at Buffalo and remains committed to continuing education in his field. Residing in Liverpool, NY, Jorge lives with his wife Tiffany, their son Benny, and two dogs, Colby and Moose. Outside of his professional work, he enjoys cooking, listening to music, and spending time with his family.

Rylee Ganter is a financial advisor at Equitable Advisors in Syracuse, NY, holding a Series 66 designation. Ganter has less than one year of industry experience and has previously worked in healthcare and education sectors, including roles at Excellus Blue Cross Blue Shield and Samaritan Medical Center. Equitable Advisors serves a broad range of clients, including individuals, high-net-worth investors, and institutions, offering financial planning, brokerage services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and a broker-dealer, utilizing LPL-sponsored programs and endorsed third-party managers to deliver its solutions.

Gary Stam is a financial advisor at LPL Financial with 39 years of industry experience. He holds the Series 63 designation and has been with LPL since 2004. Stam serves as a for-profit board member of Madison Mutual Insurance Company. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services with both discretionary and non-discretionary management options supported by research and model portfolios.

Matthew Payne is a financial advisor with Equitable Advisors in Syracuse, NY, holding Series 63 and Series 65 licenses and two years of industry experience. Prior to joining Equitable Advisors, he worked at Pacer Financial, Inc. and LPL Financial. Outside of finance, he serves as president of the board for the National Chamber Orchestra and is involved in public speaking and vocal coaching. 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 a range of third-party programs. The firm employs a hybrid referral and implementation model utilizing both advisory and brokerage channels.

Melanie Videto is a financial advisor with LPL Financial based in Syracuse, NY. She holds Series 66 and Series 63 licenses and has two years of industry experience. Prior to joining LPL Financial, she worked at Equitable Advisors LLC and held roles in various other organizations including Community Bank N.A. and Delaware North. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Mason Gasbarre is a financial advisor at LPL Enterprise with a Series 66 designation and three years of industry experience. His prior experience includes roles at The Prudential Insurance Company of America, Pruco Securities LLC, Ameriprise, and Northwestern Mutual. Gasbarre has also been involved in non-investment activities such as work with Victor Hills Golf Club and the YMCA of Greater Rochester. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, model portfolios, third-party asset management, and a range of brokerage and insurance products using an integrated platform that combines adviser programs with active sales of financial products.

Scott Mackenzie is a financial advisor with Morgan Stanley in Syracuse, NY, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Kevin Witmer is a financial advisor with LPL Financial in Syracuse, NY, holding Series 63 and Series 66 licenses and 10 years of industry experience. His prior roles include positions at Empower Federal Credit Union, CUSO Financial Services, Key Investment Services, KEY BANK, NYlife Securities LLC, and New York Life Insurance Co. He has also been involved with Holy Cross Church for eight years. 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, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Michael Rulison is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and with 53 years of industry experience. He has been with Morgan Stanley since 2009, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a variety of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools, including Monte Carlo simulations and Secular Return Estimates, to support its financial planning process.