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 Coughlin is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he serves as a co-trustee and power of attorney for his mother’s investment matters. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes insurance-related investment options and bank deposit sweep programs, distinguishing it within the institutional advisory space.

Matthew Conlon is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and possessing nine years of industry experience. He has been with Mass Mutual Investors Services since 2016 and concurrently involved with MassMutual Life Insurance Company since 2015 as a life insurance agent. 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 provides ongoing financial planning, asset management, and educational seminars, using tools such as Monte Carlo simulations and automated asset allocation to develop written recommendations.

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.

Cal Machalek is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and entering the industry in 2026. Prior to joining Wells Fargo, his work history includes roles outside the advisory field, such as at Oryx Insurance and the Union Endicott School District. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by Wells Fargo Investment Institute research and a range of financial products through related affiliates.

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.

Donald Eurillo II is a financial advisor with Morgan Stanley in Binghamton, NY, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2012. Eurillo serves on the board and finance committee of the Animal Care Sanctuary, a nonprofit based in Milan, Pennsylvania. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process includes structured discovery conversations and uses firm-approved tools and modeling techniques to help clients develop financial plans.

Stephen Carr is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and over 38 years of industry experience. He has worked with Mass Mutual since 2013 and has been associated with MML Investors Services, Inc. since 1999. Outside of his work at MassMutual, he acts as a broker for various insurance carriers through PRL Associates. MML Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and investment advisory services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers comprehensive planning approaches supported by technology and caters to a range of client needs, including high-net-worth and event-driven planning.

Caitlin Kuhnen is a CFP® professional with eight years of experience in the financial services industry, currently serving with LPL Financial. Her background includes roles at Wells Fargo Clearing and NBT Bank, alongside entrepreneurial involvement with Visions Analysis LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive operational and research tools.

Joseph Garbarino Jr. is a financial advisor with Cetera, holding a Series 63 designation and 31 years of industry experience. He has worked with Cetera since 2021 and has managed Garbarino Associates, Inc., a tax preparation and accounting firm, since 1997. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a large network of independent advisors. The firm offers a variety of portfolio management and financial planning services, utilizing a multi-manager platform with discretionary and non-discretionary options.

Joanne Johnson is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 12 years of industry experience. She has previously worked with M&T Bank, M&T Securities, and Lesko Securities Inc. Johnson is also a notary public in Binghamton, NY. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Annette Connors is a financial advisor with Wells Fargo Clearing in Johnson City, NY, holding a Series 63 designation and 26 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2013 to 2016. 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 services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Melissa Titus is a financial advisor with LPL Financial in Binghamton, NY, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. Her prior roles include positions at The Glen Wood Financial Group, Inc. and Visions Federal Credit Union. Outside of advisory work, she owns and operates a business called Pomifera. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, employing model portfolios, third-party subadvisors, and customized strategies across a broad platform complemented by extensive non-advisory financial services.

Grady Coughlin is a financial advisor at Wells Fargo Clearing with a Series 66 designation and three years of industry experience. His prior roles include positions at BAE Systems and Visions Federal Credit Union, along with employment at Wells Fargo and Wells Fargo Advisors. 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 combines research from Wells Fargo Investment Institute with third-party data and employs diversification and modern portfolio theory in its investment evaluations.

William Emmons is a Wealth Management Advisor with Merrill Lynch Wealth Management, a role he has held since beginning his career in 2014. He works with a diverse range of clients, focusing on customized wealth strategies and planning including areas such as college education planning, executive compensation, legacy planning, and tax minimization. William's approach centers on connecting all aspects of a client's financial life to help prioritize and pursue their most important goals. In 2018, William received the David Brady Award, an honor named after a Financial Advisor who lost his life during the September 11th attacks. The award is bestowed annually upon a Merrill employee who demonstrates exceptional service to clients and community involvement. William holds a Bachelor's Degree from the State University of New York System and professional designations including Certified Financial Planner (CFP) and Personal Investment Advisor (PIA). Outside of his professional work, William enjoys spending time with his wife Laura and their three children. He has interests in golfing, cooking, and travelling. He is also involved in community activities through AVREUS.ORG.

Andrea Bedosky is a financial advisor at Merrill with eight years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2017. Prior to that, she was employed at Edward Jones Financial Investments for three years. Merrill, along 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Loretta Macgargle is a financial advisor at Morgan Stanley with 34 years of industry experience. She has held roles at Morgan Stanley & Co., Incorporated since 2007 and at Morgan Stanley Smith Barney since 2009. She holds Series 63 and Series 65 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs and financial planning services that utilize structured discovery processes and approved planning tools.