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.

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.

Benjamin Herrick is a financial advisor with Cetera, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Edward Jones and Keller Williams Realty Greater Binghamton. He owns Herrick Holdings Management, a holding company related to income earned through Cetera investors and payroll software processing. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management, financial planning, and consulting services, supported by a nationwide network of over 10,000 independent advisors.

Payton Villecco is a financial advisor at Morgan Stanley in Binghamton, NY, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley in 2025, Payton worked at Equitable Advisors and has experience in customer service at DoubleTree by Hilton Binghamton. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and serves clients through direct and corporate financial planning agreements.

Kevin Porter is a financial advisor at LPL Financial with 30 years of industry experience. He holds a Series 63 designation and has been with LPL Financial since 2012. Porter also operates Visions Analysis LLC and has been involved with Visions Federal Credit Union since 2012. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Joshua Gacioch is a financial advisor with LPL Enterprise and holds a Series 66 credential. He has 12 years of industry experience, including prior roles at Prudential Insurance Company of America, Pruco Securities, LLC, and Ameriprise Financial Services, Inc. He is also involved as a financial planner with TMRW Financial Group. LPL Enterprise, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, banks, corporations, and charitable organizations. The firm uses model portfolios for investment implementation and offers financial planning, access to third-party asset managers, and participates in a wrap program, while also facilitating insurance product sales through affiliated entities.

Marcene Depew is a financial advisor with LPL Financial in Binghamton, NY, holding a Series 63 designation and 25 years of industry experience. She has worked at LPL Financial since 2016 and also has roles with Visions Analysis LLC and Visions Federal Credit Union. Depew serves as a notary public in addition to her advisory activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides 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 management solutions, including access to model portfolios and third-party asset managers.

Diane Leard is a financial advisor at Morgan Stanley with 28 years of industry experience. She holds Series 63 and Series 66 designations and has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning and estate planning strategies. The firm uses structured planning tools and modeling techniques to support its advisory services, managing approximately $2.74 trillion in client assets.

Jonathon Myers is a financial advisor with Ameriprise in Vestal, NY, holding a Series 63 designation and bringing 33 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Myers is also the owner and managing partner of Strategic Concepts Group, LLC, which operates his Ameriprise team practice. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficient strategies to create personalized recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

John Lavo is a financial advisor with Mass Mutual Investors Services and holds a Series 63 designation. He has 42 years of industry experience, including over 27 years with Mass Mutual Investors Services and MassMutual Life Insurance Company. He is also the owner and agent of PRL Associates, LLC, a firm involved in life, health, property/casualty, and group health insurance. Mass Mutual Investors Services, LLC is a broker-dealer and registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, utilizing firm-approved tools and structured planning engagements without discretionary investment authority.

Lisa Phillips is a financial advisor at Morgan Stanley in Binghamton, NY, with 25 years of industry experience. She has been with Morgan Stanley since 2013 and holds the Series 63 and Series 66 designations. Outside of her advisory role, she is the sole owner of a gas lease property in New Milford, PA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets, utilizing structured discovery and firm-approved planning tools as part of its advisory process.

Maxx Vanvorce is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and 11 years of industry experience. He has been with Equitable Advisors since 2015, including time when the firm operated as AxA Advisors. Outside of his advisory role, Vanvorce is involved as a sales associate with two sales entities based in Cherry Hill, NJ. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs, utilizing a range of advisory models often implemented through third-party managers and emphasizing fiduciary services and a broad selection of investment products.

Leo O'Connor Jr. is a CFP® professional with nine years of experience, currently associated with LPL Financial in Binghamton, NY. He has worked under his own entities, including Visions Analysis LLC and O'Connor Investments, and is involved with Visions Federal Credit Union. Outside of financial advising, he has worked as a delivery driver for DoorDash and Amazon Flex. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers a wide range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides financial planning, access to model portfolios and third-party asset managers, and institutional platforms, supported by a large network of investment adviser representatives and advanced operational tools.

Amy Smith is a financial advisor with Cambridge Investment Research Advisors, holding the ChFC® designation and Series 63 license. She has 25 years of industry experience and has worked with Cambridge and Avantax firms since 2001. Outside of her advisory role, she owns The TaxSmiths, a tax preparation business. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts, offering financial planning, investment management, retirement plan advisory, and financial wellness services through a network of independent professionals. The firm provides a range of investment solutions across multiple platform arrangements, with both discretionary and non-discretionary options tailored to client objectives.