Dino Johnson is a financial advisor at Janney Montgomery Scott with 12 years of industry experience and a Series 66 designation. He has worked at several firms, including Steward Partners Investment Solutions and Raymond James Financial Services. Dino has been with Janney Montgomery Scott since 2024. Janney Montgomery Scott is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base and offers a range of brokerage, financial planning, and advisory services, utilizing both in-house and third-party portfolio management across multiple wrap programs and unified managed accounts.

Michael Long is a financial advisor at Citizens Securities, Inc. with four years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Fidelity Investments. Outside of his advisory role, he has experience as a camp counselor at Camp Sewataro. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs alongside brokerage and insurance services. The firm’s advisory offerings include a digital advisory program and a Managed Account program, operating within a bank-owned enterprise structure.

Richard Occhiogrosso is a financial advisor with Citizens Securities, Inc. in Albany, NY, holding a Series 66 credential and 10 years of industry experience. He previously worked at J.P. Morgan Securities and JP Morgan Chase Bank from 2017 to 2025, and earlier at Axa Advisors, LLC from 2015 to 2017. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors as well as individual retirement plans. The firm offers investment advisory programs alongside brokerage and insurance services, featuring a digital advisory program using proprietary algorithms and a managed account program.

Michael Cowles is a financial advisor with Janney Montgomery Scott, holding the CFP® designation and Series 63 and 66 licenses. He has 34 years of industry experience and has been with Janney since 2016. Outside of his advisory role, he serves as an adjunct professor at Siena College, teaching Insurance and Risk Management in the Financial Planning Program. Janney Montgomery Scott LLC manages approximately $110 billion in client assets and serves a diverse client base including individuals, families, trusts, estates, and institutional entities. The firm offers a range of brokerage, financial planning, and advisory services, utilizing both in-house and third-party portfolio management across multiple programs.

Russell Gorman is a CFP® and CFA® with 19 years of experience in financial advising. He has worked at Integrated Wealth Concepts LLC since 2021, following prior roles at LPL Financial, LLC and Lincoln Financial Advisors. In addition to his advisory work, he is involved in tax preparation and accounting activities on a part-time basis. Integrated Wealth Concepts LLC serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent financial advisors. The firm offers discretionary investment management, financial planning, and consulting services, emphasizing customized portfolios and a primarily long-term investment approach.

Paul Murray is a CFP® with 34 years of industry experience, currently serving as a financial advisor at Janney Montgomery Scott since 2001. He is based in Albany, NY. Murray also serves on the board and investment committee of the Cobleskill Richmondville Education Foundation, a charitable organization supporting student activities and classroom enrichment. Janney Montgomery Scott LLC is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base including individuals, families, trusts, estates, corporations, and charitable organizations, offering brokerage, financial planning, and advisory services through a combination of in-house and third-party portfolio management.

Terance Ruso Sr. is a financial advisor at Stratos Wealth Partners, Ltd with 27 years of industry experience. He holds a Series 63 designation and has worked at firms including LPL Financial, Holistic Wealth Advisors, and Cetera. Outside of advisory work, he serves on the City of Rensselaer Zoning Board of Appeals and the Rensselaer Housing Authority. Stratos Wealth Partners, Ltd is an SEC-registered enterprise advisory firm with approximately 379 advisors and $18.6 billion in assets under management, serving individuals, retirement plans, corporations, nonprofits, and institutional clients. The firm employs an open-architecture, IAR-driven model offering discretionary and non-discretionary portfolio management through customized portfolios and multiple third-party platforms and sub-advisors.

Johanna Imhof is a financial advisor with Citizens Securities, Inc. in Albany, NY, holding Series 63 and Series 65 licenses and having 18 years of industry experience. Her prior experience includes roles at Wells Fargo Clearing, Fifth Third Securities, HSBC Securities, and Citigroup Global Markets. Outside of advisory work, she owns and manages an interior plant decor business based in Naples, Florida. Citizens Securities serves a diverse retail client base, including individual and high-net-worth investors, offering investment advisory programs alongside brokerage and insurance services. The firm provides both a digital advisory program and managed accounts, operating as a broker-dealer and insurance agency under the full ownership of Citizens Bank, N.A.

Eric Tolmie is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 designations and bringing 37 years of industry experience. He has been with Commonwealth Financial Network since 2001. In addition to his advisory work, he owns a private entity, Eric C. Tolmie Financial Services, LLC, which provides tax preparation services. 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 about $212.7 billion in client assets. The firm offers a comprehensive adviser-support platform, including managed-account programs, access to third-party asset managers, and custody services, enabling advisors to implement customized investment strategies.

Megan Donnelly is a financial advisor with Citizens Securities, Inc. in Albany, NY, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. She previously worked at HSBC Securities (USA) Inc. and HSBC Bank USA, N.A. from 2015 to 2023. Megan is also a commissioned Notary Public for the State of New York. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering investment advisory programs, brokerage, and insurance services. The firm manages both a digital advisory program and a Managed Account program, while also operating as a broker-dealer and insurance agency.

Lionel Martina is a Series 66-licensed financial advisor with Citizens Securities, Inc. in Albany, NY. He has two years of industry experience, including prior roles at Citizens Bank, LPL Enterprise, and The Prudential Insurance Company of America. Outside of his advisory work, he serves as a general board member at De Bonte Leeuw, a Dutch language and culture primary school. Citizens Securities serves a broad retail client base with investment advisory programs, brokerage, and insurance services. The firm offers both digital and managed account advisory solutions and operates as a broker-dealer and insurance agency.

Stephanie Haase is a CFP® and CFA® with 14 years of industry experience, currently affiliated with Steward Partners Investment Advisory, LLC. She has held roles at Steward Partners Investment Solutions, LLC, Steward Partners Global Advisory, LLC, and Raymond James Financial Services. Haase is the owner of Haase Family Advisors, a separate financial advisory business. Steward Partners Investment Advisory, LLC is an SEC-registered, enterprise-scale RIA managing approximately $36.7 billion in assets. The firm serves individuals, pension plans, corporations, trusts, estates, and nonprofits, offering a range of portfolio management, financial planning, and consulting services through both proprietary and third-party strategies.

Brian Enright is a financial advisor with Janney Montgomery Scott in Albany, NY, holding a Series 63 designation and bringing 39 years of industry experience. He has been with Janney Montgomery Scott since 2002. Outside of his advisory work, he serves as a trustee of the Fort Orange Club and is involved with the Hartman Farm Foundation as a board member and its incoming president. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base including individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering brokerage, financial planning, consulting, and various advisory programs.

Jonathan Sefcik is a Series 66 licensed financial advisor with 20 years of industry experience. He has been with Janney Montgomery Scott since 2008. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base including individuals, families, trusts, estates, corporate and retirement plan sponsors, and municipal clients, offering brokerage services, financial planning, and advisory programs.

Irena Nikolova is a financial advisor at Citizens Securities, Inc. with 11 years of industry experience. She holds the Series 63 and Series 65 designations and has worked previously at Bank of America, Merrill, Truist Financial, and SunTrust Advisory Services. She is also a co-author of an academic journal article on Roma minorities as part of her PhD studies in cultural anthropology. Citizens Securities serves a diverse retail client base including individual and high-net-worth investors, offering investment advisory programs as well as brokerage and insurance services. The firm’s advisory offerings include a digital advisory program and a Managed Account program, and it operates as a broker-dealer and insurance agency.

Gary Wusterbarth is a financial advisor at Janney Montgomery Scott with 22 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Janney Montgomery Scott since 2017, with prior experience at The Ayco Company, L.P./Mercer Allied. Janney Montgomery Scott is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base including individuals, families, trusts, estates, and institutional sponsors, offering brokerage services, financial planning, consulting, and various advisory programs.

Scott Moulton is a financial advisor at Key Investment Services LLC with 25 years of industry experience. His career includes roles at Merrill Lynch, Key Bank NA, Banc of America Investment Services, and Quick & Reilly. He holds Series 63 and Series 65 licenses. Key Investment Services LLC is an SEC-registered investment adviser offering portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional clients through a network of financial professionals. The firm employs a multi-provider model combining in-house and third-party portfolio management with custodial and trade execution services, primarily on a non-discretionary basis.

Neerja Kalloo is a financial advisor with Citizens Securities, Inc. based in Albany, NY, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. Her prior work includes roles at Citizens Bank and CCO Investment Services. She is also a certified notary. Citizens Securities serves a broad retail client base, offering investment advisory programs, brokerage, and insurance services. The firm operates both a digital advisory program with ETF-based portfolios and a Managed Account program, while also functioning as a broker-dealer and insurance agency.

Amy McGowan is a financial advisor at Citizens Securities, Inc. in Albany, NY, with 11 years of industry experience. She holds Series 63 and Series 65 licenses and has worked in various roles within Citizens Bank and Citizens Securities since 2019, as well as six years at CCO Investment Services. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm’s advisory offerings include a digital advisory program based on ETF portfolios and a Managed Account program, operating as part of a bank-owned enterprise.

Paul Cuomo is a financial advisor with Citizens Securities, Inc. in Albany, NY, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. His career includes multiple roles within Citizens Securities and Citizens Bank, as well as prior experience at Park Avenue Securities and Guardian Life Insurance. Outside of finance, he serves as a high school basketball referee. Citizens Securities serves a broad retail client base including individual and high-net-worth investors and offers investment advisory, brokerage, and insurance services. The firm provides both a digital advisory program and managed accounts, operating as a broker-dealer and insurance agency within its parent company, Citizens Bank, N.A.