Craig Nelson is a financial advisor with Eagle Strategies (NY Life), holding the ChFC® designation and Series 63 license, with 11 years of industry experience. He has worked at multiple affiliated firms including Crystal Clear Financial Group, Nelson & Strife Financial Group, and New York Life Insurance Company. Nelson also teaches a weekly history class at Utica College. Eagle Strategies serves a diverse range of individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisers. The firm offers multiple program types tailored to client objectives, focusing primarily on non-discretionary asset management and maintaining fiduciary responsibilities to retirement investors.

Jarrod Perry is a financial advisor at Key Investment Services LLC with one year of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at National Life Group, Equity Services, Inc., Upstate Caring Partners, and Bank of America. Key Investment Services LLC is an SEC-registered investment adviser and wrap-fee program sponsor that serves individuals, trusts, estates, small businesses, and institutional clients through a network of financial professionals. The firm offers model-based advisory products and portfolio management with custodial and trade execution services, operating a multi-provider platform that includes discretionary implementation and third-party strategist portfolios.

Adam Green is a financial advisor at Kestra Advisory with one year of industry experience. He holds the Series 66 designation and has worked in roles at several firms including Advanced Group Financial Services, Commonwealth Financial Network, and Northwestern Mutual. Outside of advising, he has been involved in fixed insurance sales. Kestra Advisory provides investment advisory and retirement-plan consulting services to a diverse client base, including institutional investors and plan sponsors. The firm offers fiduciary consulting, plan design, benchmarking, and employee education, supporting a range of investment platforms and third-party solutions.

Janice Williams is a CFA® charterholder with 37 years of industry experience. She is currently affiliated with Commonwealth Financial Network and Advanced Group Financial Services, where she serves as Secretary/Treasurer. Her prior experience includes roles at Royal Alliance Associates, Cadaret, Grant & Co., and other financial firms. Outside of her advisory work, she serves as an election inspector for the Oneida County Board of Elections. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors and their clients. The firm offers a range of advisory programs and services, including discretionary model portfolios and personalized investment solutions, while providing operational, compliance, and practice-management support.

Dennis Coughlin is a CFP® professional with 29 years of industry experience, currently affiliated with Commonwealth Financial Network since 2009. He is also a co-owner of Coughlin Giambrone, LLC, a securities practice. Outside of his advisory work, he teaches retirement planning courses at SUNY Institute of Technology and serves as a trustee for multiple trusts. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors and their clients. The firm offers a range of advisory programs and services, combining technology, investment management, and compliance support while allowing advisors discretion in portfolio construction.

Kyle Strife is a ChFC® with 15 years of industry experience, currently with Eagle Strategies (NY Life). He has worked in various capacities since 2009, including roles at New York Life Insurance Company and NYLIFE Securities LLC, and operates under the DBA names Nelson & Strife Financial Group and Crystal Clear Financial Group, LLC. Outside of advising, he was involved with Marble Hill Inn from 2002 to 2021. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailoring solutions to client objectives and offers multiple advisory program types within an integrated New York Life structure.

Randall Savicki is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 24 years of industry experience. His work history includes positions at Ford, English Financial Group, LLC, Lifemark Securities Corp., and Americu Credit Union, as well as ownership of Savicki Capital LLC, a private entity for securities, advisory, and insurance business. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and their clients. The firm provides a broad adviser-support platform that includes managed-account programs, access to third-party asset managers, retirement and plan consulting, and custody and clearing services.

Allan Lallier is a financial advisor at TIAA-CREF with 25 years of industry experience. He holds the Series 63 and Series 66 designations and has been with TIAA-CREF since 2001. TIAA‑CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans. The firm provides ongoing portfolio management as well as point-in-time planning services and acts as adviser to a donor-advised fund through affiliated services.

Heather Hawley is a CFP®-certified financial advisor with 19 years of industry experience. She currently works at Kestra Advisory Services LLC and Kestra Investment Services LLC since 2026, following prior roles at Commonwealth Financial Network and Advanced Group Financial Services. Outside of her advisory duties, she serves as a notary public, providing document notarizations for clients at no charge. Kestra Advisory Services provides investment advisory and retirement plan consulting to a wide range of institutional and individual clients. The firm offers services including fiduciary consulting, plan design, employee education, and manages assets across multiple platforms with approximately $79.8 billion under management.

Adam Miller is a financial advisor with VOYA Financial Advisors, Inc. in Utica, NY, holding a Series 63 designation and 28 years of industry experience. He has been with VOYA Financial Advisors and its affiliated firms since 2014. Outside of his advisory role, he is an independent insurance agent focusing on fixed insurance sales. VOYA Financial Advisors, Inc. is an enterprise-scale advisory and broker-dealer affiliate of Voya Financial that provides financial planning, portfolio management, unified managed account and wrap programs, third-party money manager access, and retirement-plan advisory services to individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm combines in-house and external strategists with technology-enabled tools to implement investment strategies and manages a significant portion of assets on a non-discretionary basis.

Jeffrey Jones is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. He is also involved in luxury watch collecting and investing through a private business based in Marco Island, Florida. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data.

Nicole Curley is a financial advisor with Morgan Stanley in Utica, NY, holding a Series 66 designation and six years of industry experience. She has been involved with the Stevens-Swan Humane Society since 2010. Morgan Stanley Wealth Management serves individual and institutional clients, offering tailored financial planning and a broad range of advisory programs supported by firm-approved tools and research.

Honorine Wallack is a CFP® professional with 37 years of industry experience, currently serving at Robert W. Baird & Co. since 2018. Prior to joining Baird, she worked at M. Griffith Investment Services, Inc. for six years. She is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which advises individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group offers financial planning, discretionary and non-discretionary portfolio management, and tailored investment strategies utilizing both in-house and third-party managers.

Meghan Tracy is a financial advisor with LPL Financial, holding the Series 66 designation. She has one year of industry experience, including prior roles at Morgan Stanley and Arrow Bank National Association. Before entering the financial sector, she worked in various positions such as at Ann Street Liquors and Utica Observer Dispatch. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of investment solutions, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Jenna Ziarko is a financial advisor at Morgan Stanley with 12 years of industry experience. She holds a Series 66 designation and previously worked at Robert W. Baird and M. Griffith Investment Services, Inc. from 2007 to 2018. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools such as Secular Return Estimates and Monte Carlo simulations to model outcomes.

Mark Daviau is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and over 30 years of industry experience. His prior experience includes more than 25 years with Metropolitan Life and related entities. Outside of his financial career, he serves as a board member of the International Association of Approved Basketball Officials and is active as a basketball referee. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, utilizing firm-approved tools and strategies to develop collaborative client relationships.

Christopher Scharf is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and its Private Bank since 2018. Prior to that, he was with The AYCO Company, L.P./Mercer Allied from 2013 to 2018. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and financial advisors. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-based financial planning services.

Matthew Sheridan is a CFP® and holds a Series 66 license with 11 years of industry experience. He has been with Robert W. Baird & Co. since 2018 and previously worked at M. Griffith Investment Services, Inc. from 2014 to 2018. He is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that serves individuals, families, pensions, corporations, and charitable organizations. The group provides customized financial planning and portfolio management services, utilizing a range of strategies that include traditional and non-traditional investments, as well as discretionary and non-discretionary management.

Graham Nelson is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 26 years of industry experience. He has been with LPL Financial since 2019 and has prior experience at Mohawk Valley Capital Management and Cadaret, Grant & Co., Inc. Outside of advising, Nelson is the owner of a construction business, McGinnis Nelson Construction Inc. LPL Financial is a national broker‑dealer and SEC‑registered investment adviser that provides advisory and brokerage services through a large network of representatives to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, retirement advice, and institutional platforms supported by advanced research and operational tools.

Allison Major is a financial advisor at LPL Financial with 18 years of industry experience. She holds a Series 63 designation and has worked previously at Cadaret, Grant & Co., Inc. for 11 years. Additionally, she has been affiliated with Mohawk Valley Capital Management for over two decades. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, third-party asset management, and institutional platforms, utilizing model portfolios and customized strategies supported by advanced research and operational tools.