Glenn Gaydorus is a Wealth Management Advisor and Vice President at Merrill Lynch Wealth Management, with a financial services career beginning in 1999. He emphasizes a comprehensive approach to wealth management that prioritizes the interests of his clients and focuses on understanding their individual goals. Glenn offers access to the investment insights of Merrill Lynch Wealth Management alongside the banking convenience of Bank of America to address various aspects of clients’ financial needs. His client relationships are grounded in integrity, dependability, and trust. As a qualified Portfolio Manager, Glenn provides traditional financial advice and also manages personalized or defined investment strategies on a discretionary basis. These strategies may include individual stocks and bonds, option strategies, Merrill Lynch model portfolios, and third-party investment approaches. His expertise covers a range of client focus areas such as college education planning, family wealth management, retirement income, legacy planning, and portfolio management services. Glenn holds the Chartered Financial Consultant® (ChFC®) designation from The American College of Financial Services, the Chartered Retirement Planning Counselor™ (CRPC™) designation from the College for Financial Planning Institutes Corp., and the Personal Investment Advisor (PIA) credential. He earned a Master's Degree from Binghamton University’s School of Management and a Bachelor's Degree from Rochester Institute of Technology. Outside of his professional role, Glenn's personal interests include basketball, football, golfing, music, and spending time with his family.

Alyssa Clark is a financial advisor with LPL Financial in Endicott, NY, holding Series 63 and Series 65 licenses and five years of industry experience. She has worked with Visions Analysis LLC and the New York State Gaming Commission, where she serves as a Licensing Assistant for the Presiding Judge. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a range of financial planning and portfolio management options, including model portfolios and third-party asset management, supported by operational tools and a broad non-advisory financial services platform.

Jill Chapman is a financial advisor at Cetera with 23 years of industry experience. She holds a Series 63 designation and has worked at Cetera since 2019, following nine years at Foresters Financial. Cetera Investment Advisers LLC is an SEC-registered adviser 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.

Michael Costantino is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2013 and 2015, respectively. He is based in Binghamton, NY. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes with firm-approved tools and modeling techniques.

Derek Russell is a financial advisor at OSAIC with 13 years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at American Portfolios Financial Services, Inc. and Hornor, Townsend & Kent, Inc. Outside of his advisory role, Russell owns and operates a multi-line insurance brokerage focused on health insurance and Medicare supplement plans and serves as a board member for the YMCA Broome County. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services using a variety of portfolio construction tools and offers access to multiple advisory platforms and third-party managed-account solutions.

David Mazzini is a financial advisor at Edward Jones in Endicott, NY, holding a Series 66 designation with 13 years of industry experience, all with Edward Jones since 2013. Outside of his advisory role, he is involved in managing rental property activities. Edward Jones is a full-service wealth management firm serving both individual and institutional clients with over $1 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Erin Brady is a financial advisor with Stifel, holding a Series 66 designation and bringing 19 years of industry experience. She has worked at Stifel since 2018 and previously held positions at Bank of America and Merrill. She serves as a member of the Investment Committee for the Quaker Lake Cottagers Association, a social club offering recreational amenities. Stifel serves a broad range of clients including individuals, institutional investors, and charitable organizations, providing both brokerage and investment advisory services. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and financial planning.

Patricia Pappas O'Day is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has 25 years of experience in the financial services industry and joined Merrill Lynch in 2011. Alongside her partner, Gary Vannostrand, she utilizes the investment insights of Merrill Lynch Wealth Management, trust services of U.S. Trust, and banking services of Bank of America to assist clients. Patricia helps clients understand their financial identity and uses Merrill's tools and resources to pursue their wealth management goals. With client permission, she collaborates with clients' attorneys, accountants, and other professionals to provide financial advice that supports both short and long-term objectives. She focuses on client service and aims for exceptional client outcomes. She holds a Bachelor's degree in Economics from the State University of New York at Binghamton and holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP) and Accredited Asset Management Specialist (AAMS). Patricia resides in Binghamton, NY, with her husband Tom and their son Josh.

Kent Sisco is a financial advisor with Cetera, holding Series 63 and Series 66 designations and eight years of industry experience. He previously worked at Edward Jones for eight years and has additional experience at Movement Mortgage and Citizens Savings Bank. Cetera Investment Advisers LLC is an SEC-registered firm that serves a wide range of clients including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services, operating as a multi-manager platform with access to affiliated and third-party managers, and oversees more than $256 billion in assets through a network of over 10,000 advisors.

Maria Wilhelm is a financial advisor at Merrill with 25 years of industry experience. She holds Series 63 and Series 66 designations and has been with Merrill since 2000, concurrently serving at Bank of America since 2011. Outside of her advisory role, she acts as an executor for an estate and has ownership interests in several rental properties. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Mary Beth Depalmo George is a financial advisor with Merrill, holding a Series 63 designation and 45 years of industry experience. She has been with Merrill since 1981 and has concurrently worked at Bank of America since 2012. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Raymond Saravitz is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked at Peoples Security Bank & Trust and LPL Financial since 2016, and previously with Commonwealth Financial Network, Uvest Financial Services Group, and Peoples Advisors. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment products, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by advisor-facing tools for operational and research purposes.

Keenan Miller is a financial advisor with Equitable Advisors in Endicott, NY, holding a Series 66 designation and 13 years of industry experience. He has been with Equitable Advisors and its predecessor AXA Advisors since 2013. Miller serves as Young Life Committee Chair for the Greater Northeast Region and is a board member of Catholic Charities Tompkins/Tioga. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm uses a variety of third-party advisory programs and offers ERISA fiduciary services to qualified plans.

Louis Panigrosso is a financial advisor at Osaic with 19 years of industry experience. He holds a Series 63 designation and previously worked for American Portfolios for 17 years. Outside of advising, Panigrosso serves on the board of a charitable advocacy group for Lyme disease and is a part-time musician playing drums. Osaic Wealth, Inc. serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services with a focus on portfolio construction using asset-allocation tools, risk tolerance assessments, and access to multiple third-party money managers.

Armond George serves as the Senior Resident Director at Merrill Lynch Wealth Management. He joined Merrill in 1984 and has dedicated his career to helping generations of hardworking families build sustainable wealth and avoid financial and emotional uncertainty. At The George Group, Armond, together with his wife Mary Beth, provides advisory services focused on investment, retirement, tax minimization, and wealth transfer strategies tailored to clients' specific goals. Their practice emphasizes transparency, frequent communication, and a family-oriented approach, engaging both spouses in financial decisions. Armond holds a Bachelor of Science degree in Finance from Mansfield University in Pennsylvania. He has earned the Professional Investment Advisor (PIA) designation. Beyond his professional work, Armond is involved in community activities including the Endicott Little League and Endicott Youth Football. He also serves as a board member for the Syracuse Diocese and is associated with the Lourdes Foundation. Armond and Mary Beth reside in Endicott, NY. Their children, Alexis and David, are both employed within the financial industry; Alexis works as a financial advisor with their team, and David is an analyst at Bank of America Private Bank in New York City. His personal interests include chess, golfing, reading, and tennis.

Kevin Kirchheimer is a financial advisor with Ameriprise in Binghamton, NY, holding a Series 66 designation and 16 years of industry experience. He has been with Ameriprise and its affiliated entities since 2008. Outside of his advisory role, he is authoring a book titled "Financial Advisors Also Retire," which addresses business considerations for financial advisors planning their retirements. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, providing detailed written recommendations that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm delivers these services through a centralized consulting team using research, modeling, and algorithmic tools, alongside a broad range of advisory, brokerage, and insurance solutions.

Cindy Miller is a CFP® with 27 years of industry experience, currently serving at Cetera. She has worked with Avantax Investment Services, Inc. and operated her own firm, Miller Financial Services, since 1989. In addition to her advisory work, she owns and operates a tax preparation and accounting business. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large nationwide network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients through a multi-manager platform offering diverse portfolio management and financial planning services.

Brian Derry is a financial advisor with Ameriprise in Endicott, NY, holding a Series 66 designation and 16 years of industry experience. He has been with Ameriprise and its related entities since 2009. Outside of his advisory role, he serves as Vice President on the Board of Directors for the Union Volunteer Emergency Squad. Ameriprise offers retirement-income planning services targeted at individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored recommendations. The firm serves a broad client base through a range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Nicole Hanna is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 credentials and 11 years of industry experience. Her prior roles include positions at Bank of America, Merrill, M&T Bank, Chemung Canal Trust Company, and KeyBank. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities through a network of investment adviser representatives. The firm employs a model-driven investment approach and offers services including financial planning, access to third-party asset managers, and participation in a wrap program.

Robert Garbade is a financial advisor at Merrill with 16 years of industry experience and holds a Series 66 designation. He has previously worked at Stifel, Nicolaus & Company and has been with both Bank of America and Merrill since 2011. Merrill serves a wide range of clients including individuals, retirement plans, corporations, and institutional clients by offering managed account programs, third-party manager selection, discretionary portfolio management, and brokerage execution and custody services. The firm integrates closely with Bank of America affiliates and emphasizes managed account and manager-selection capabilities supported by its chief investment office and tax-focused services.