Christopher Giambrone is a CFP® professional with 29 years of industry experience, currently serving at Commonwealth Financial Network since 2009. He has held roles including course instructor at SUNYIT and the Mohawk Valley Institute for Learning in Retirement, and he acts as a trustee for a non-family trust. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and back-office services, including investment management, compliance, and practice management, with discretionary and customizable portfolio options.

Jennifer Wicks is a financial advisor with Commonwealth Financial Network who holds a Series 65 designation and has nine years of industry experience. Her career includes roles at Savicki Capital, LCL, Americu Credit Union, and Ford, English Financial Group, LLC. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing roughly $212.7 billion in client assets. The firm provides a broad adviser-support platform that includes managed-account programs, access to third-party asset managers, and custody and clearing services.

Brant Ford is a CFP® professional with 19 years of industry experience, currently affiliated with Commonwealth Financial Network since 2006. He is also the owner of Brant W. Ford Consulting Services, LLC. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, providing a range of advisory programs, investment management, and practice-management support. The firm offers diverse portfolio construction options and discretionary model portfolios, supported by its Investment Management and Research team.

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 Series 65 and Series 63 credentials and one year of industry experience. His prior work includes positions at KeyBank, National Life Group, Equity Services, Inc., Upstate Caring Partners, and Bank of America. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through wrap-fee advisory programs, model portfolios, and managed accounts. The firm emphasizes client-directed model selection and provides non-binding recommendations, ongoing monitoring, and supervisory oversight while working within the KeyCorp group and affiliated entities.

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.

Jason Hall is a financial advisor with Benjamin F. Edwards & Company, Inc. He holds Series 63 and Series 65 licenses and has 29 years of industry experience. Prior to joining Benjamin F. Edwards in 2017, he worked at Wells Fargo Clearing and Wells Fargo Advisors. Outside of his advisory work, he is president and sole operator of Northern Lights LLC, a company specializing in aquatic lake weed management. Benjamin F. Edwards & Company, Inc. is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, pension plans, charitable organizations, corporations, and institutions. The firm offers fee-based wrap programs, financial planning, retirement plan consulting, and investment management, using a range of strategies managed internally and by third parties, supported by an Investment Strategy Committee and integrated custody and trading services.

John Gaspa IV is a financial advisor at Key Investment Services LLC with 11 years of industry experience. He holds the Series 66 designation and has previously worked at Bank of America, Merrill, Edward Jones, and Guggenheim Partners. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through a variety of advisory programs, including wrap-fee programs, model portfolios, and separately managed accounts. The firm emphasizes client-directed model selection supported by non-binding recommendations and ongoing oversight, and operates within the KeyCorp group with affiliated banking and capital markets entities.

Mechell Bakich is a financial advisor at Empower Advisory Group with 11 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked for THE Vanguard Group, Inc. for 10 years before joining Empower Advisory Group in 2024. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and retail brokerage clients. The firm’s services focus on integrated planning and managed account solutions tied to Empower’s recordkeeping and administrative platforms.

Taylor Jaquays is a financial advisor with Valic Financial Advisors, holding Series 65 and Series 63 licenses and nine years of industry experience. Taylor has worked at Valic Financial Advisors since 2017 and is also affiliated with Agia, where they are involved in non-securities insurance products. Valic Financial Advisors, Inc. serves primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm offers portfolio management, financial planning, and discretionary unified managed accounts through a large network of advisors, operating at scale with centralized technology and model solutions.

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. He has previously worked at Lifemark Securities Corp. and Americu Credit Union, and he is the owner of Savicki Capital LLC, a private entity facilitating securities, advisory, and insurance business. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, providing a range of advisory programs and support services including operations, trading, technology, investment management, and compliance. The firm offers multiple portfolio management options and emphasizes a platform model that supports advisors in delivering personalized investment advice.

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.

Daniel Orcutt is a financial advisor with Ameritas Advisory Services, LLC, holding a Series 63 designation and 38 years of industry experience. He has been associated with Ameritas Advisory Services since 2021 and also serves as president of DCO Insurance Agency Inc, where he works as an independent insurance agent specializing in fixed insurance products and group benefits. Orcutt additionally engages in sales of security business products through United Professional Advisors. Ameritas Advisory Services provides fee-based investment management, financial planning, and retirement-plan advisory services to individuals, corporations, and institutional clients. The firm offers a range of discretionary and non-discretionary programs that include in-house model portfolios, third-party subadvisers, and integrated solutions involving affiliated broker-dealer and investment advisory entities.

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 at VOYA Financial Advisors, Inc. with 28 years of industry experience. He holds a Series 63 designation and has worked at Voya Financial and its affiliated firms since 2014. Outside of his advisory role, Miller is an independent insurance agent involved in the sale of fixed insurance products. VOYA Financial Advisors, Inc. serves individual and institutional clients, including retirement plan sponsors, charitable organizations, corporations, and high-net-worth individuals. The firm offers financial planning, portfolio management, and advisory programs with a focus on non-discretionary recommendations and operates both as an SEC-registered investment adviser and broker-dealer.

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 Smith Barney and Morgan Stanley Private Bank. Outside of advising, he owns and invests in luxury timepieces. 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 advice grounded in modern portfolio theory. The firm serves institutional clients with a broad range of financial product options, including insurance-related vehicles and bank deposit sweep programs.

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.