Richard Occhiogrosso is a financial advisor at Citizens Securities, Inc. in Albany, NY, holding a Series 66 designation with 10 years of industry experience. He previously worked at J.P. Morgan Securities and JP Morgan Chase Bank from 2017 to 2025, and at Axa Advisors from 2015 to 2017. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, 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 as a broker-dealer and insurance agency with a range of discretionary and non-discretionary services.

Susan Schell is a financial advisor with Independent Financial Partners, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She has worked with IFP Securities, LLC, Independent Financial Partners, and LPL Financial. Outside of her advisory role, she holds a 7.5% ownership interest in Warbler Brewery, LLC, and serves on the boards of Hartwick College Alumni and Westminster Presbyterian Church, as well as acting as secretary for the Financial Planning Association of Northeastern New York. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisors. The firm supports a multi-advisor platform of approximately 261 advisors serving a broad client base and offers a decentralized advisory model with options for centralized asset management and retirement-plan advisory services.

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.

John Heslin is a financial advisor at Focus Partners Wealth, LLC with four years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at The Colony Group, Atlas Private Wealth Management, BULLARD McLEOD & ASSOCIATES, INC., and Tradition Capital Management. Focus Partners Wealth serves individual, high-net-worth, family office, corporate, retirement plan, and institutional clients, offering a wide range of investment management and wealth services. The firm employs a long-term, tax- and fee-sensitive investment approach using a combination of fundamental and quantitative analysis and integrates various investment strategies within a broad advisory platform.

Joel White is a financial advisor at Citizens Securities, Inc. with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at John Hancock and its affiliated entities for over 17 years. Outside of his advisory role, he volunteers as a flag football and soccer coach for children with Plymouth Recreation. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans. The firm offers a mix of investment advisory programs, brokerage, and insurance services, including a digital advisory program managed in partnership with SigFig and a Managed Account program.

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.

Christine Suozzi is a CFP®-designated financial advisor with nine years of industry experience. She is currently with Focus Partners Wealth, LLC and has previously worked at The Colony Group, Atlas Private Wealth Management, Capital Financial Services, and The Ayco Company/Mercer Allied. Focus Partners Wealth, LLC provides wealth advisory and investment management services to individuals, families, retirement plans, institutions, and businesses. The firm employs a long-term investment approach that integrates active and passive strategies within an enhanced open architecture framework.

Terance Ruso Sr. is a financial advisor with Stratos Wealth Partners, Ltd, holding a Series 63 designation and 27 years of industry experience. His career includes roles at LPL Financial, Holistic Wealth Advisors LLC, and Cetera, as well as operating his own CPA practice. He serves on the boards of the City of Rensselaer Zoning Board of Appeals and the Rensselaer Housing Authority. Stratos Wealth Partners provides advisory services to a diverse client base, including individuals, trusts, charities, corporations, and retirement plans, offering portfolio management, financial planning, and access to third-party advisory solutions through its Strategic Wealth Management platform.

Rodger Jordan is a financial advisor at Citizens Securities, Inc. with seven years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms including Transamerica Financial Advisors, Inc., PNC Investments, and Ameriprise Financial Services, Inc. Outside of his advisory role, he serves as an independent preacher and minister. 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 operates both discretionary and non-discretionary platforms and is wholly owned by Citizens Bank, N.A.

Ray Gonzalez is a financial advisor at Citizens Securities, Inc. with 13 years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at firms including New York Life Insurance Company, NYLife Securities LLC, Eagle Strategies, and HSBC Securities. Gonzalez is also involved in insurance brokering, operating under the DBA Kingsguard Capital LLC to sell New York Life products and broker non-registered insurance products. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and retirement plans, offering investment advisory programs as well as brokerage and insurance services. The firm provides both a digital advisory platform and managed account programs and operates as a broker-dealer and insurance agency.

Frederick Hepfer is a financial advisor at Citizens Securities, Inc. in Albany, NY, holding Series 65 and Series 66 credentials with 26 years of industry experience. His prior roles include positions at M&T Securities and Key Investment Services LLC. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, 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 ownership of Citizens Bank, N.A.

Anita Morin is a financial advisor with Primerica Advisors in Loudonville, NY, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. She has worked with Guardian Life Insurance Company since 2010 and has been self-employed since 2008. Outside of her advisory role, she provides fee-based consulting for business and estate planning through Planning Alliance Consulting and serves as a director of the Estate Planning Council of Eastern New York as well as assistant treasurer of the Fort Orange Garden Club. Primerica Advisors operates as an enterprise-level firm serving a broad retail client base with a range of brokerage and advisory services, including financial and retirement planning. The firm offers multiple proprietary advisory programs and access to third-party investment managers, implementing a variety of strategies tailored to individual client needs.

Gavin Heffernan is a financial advisor with GWN Securities Inc. in Albany, NY, holding Series 63 and Series 65 licenses and three years of industry experience. His prior work includes roles at Northwestern Mutual and Northeast Wealth Management, as well as bartending at Mixed Breed Brewing. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients with discretionary managed accounts, financial planning, and access to third-party sub-advisers. The firm manages approximately $3.65 billion across more than 37,000 accounts and offers a range of managed-account programs, including both traditional and active investment strategies.

Brian Slattery is a financial advisor with LPL Financial in Albany, NY, holding CFP® and Series 63 credentials and bringing 13 years of industry experience. He has worked at Private Advisor Group, LLC since 2019 and previously at Independent Financial Partners from 2016 to 2019. Outside of his advisory roles, he is a co-owner of B Squared Ad Ops LLC, an online advertising consulting business. LPL Financial provides advisory and brokerage services to a diverse client base including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a variety of investment solutions supported by an in-house research team and accommodates both advisory and brokerage needs through a broad network of investment adviser representatives.

Johanna Imhof is a financial advisor at Citizens Securities, Inc. in Albany, NY, with 18 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including Wells Fargo Clearing and Fifth Third Securities. Outside of her advisory role, she owns and operates an interior plant decor business based in Naples, FL. Citizens Securities serves a wide retail client base, including individual and high-net-worth investors, offering investment advisory programs alongside brokerage and insurance services. The firm’s offerings include a digital advisory program using proprietary algorithms and managed accounts, supported by its affiliation with Citizens Bank, N.A.

Andrew Cook Jr. is a financial advisor at \u0026PARTNERS with 14 years of industry experience. He holds a Series 66 designation and has previously worked at Wells Fargo Clearing Services, Bank of America, and Merrill. He also serves as a trustee for Friends Trust in Albany, NY. \u0026PARTNERS serves a diverse client base including individuals, retirement plans, charitable organizations, and sovereign wealth funds. The firm offers both investment advisory and brokerage services, utilizing a combination of proprietary models and third-party managers through the Envestnet platform.

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. She holds Series 65 and Series 63 licenses and has 13 years of industry experience, including eight years at HSBC Securities (USA) Inc. and HSBC Bank USA, N.A. She is also a Notary Public for the State of New York, serving Citizens-related documentation needs. 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 provides both a digital advisory platform using ETF-based portfolios and a managed account program, operating as a broker-dealer and insurance agency under the ownership of Citizens Bank, N.A.

Lee Lashombe is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 66 designations and 17 years of industry experience. His career includes multiple roles at Key Investment Services and KeyBank since 2016. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through various advisory programs, model portfolios, and managed accounts. The firm emphasizes client-directed investment choices and ongoing oversight while leveraging its connections within the KeyCorp group.

Rachel Soka is a financial advisor with Focus Partners Wealth, LLC and holds Series 65 and Series 63 licenses. She has 19 years of industry experience, including previous roles at Connectus Wealth, Atlas Private Wealth Management, Royal Alliance Associates, and Vahanian & Associates Financial. Focus Partners Wealth serves a broad client base including individual, high-net-worth, family office, corporate, retirement plan, and institutional clients. The firm employs a long-term, tax- and fee-sensitive investment approach through enhanced open architecture, combining fundamental and quantitative analysis along with diversified portfolio strategies and affiliated service companies.