Brandie Mulligan is a CFP® with 19 years of industry experience. She is currently with &PARTNERS, where she has worked since 2026. Her prior experience includes roles at Wells Fargo Clearing Services LLC, Bank of America, N.A., and Merrill. &PARTNERS serves a diverse client base including high-net-worth individuals, retirement plans, and institutional clients. The firm offers investment management, financial and tax planning, and ERISA consulting, utilizing a mix of fundamental, technical, and quantitative analysis along with third-party strategies.

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.

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 Independent Financial Partners since 2011 and was previously affiliated with LPL Financial. Outside of her advisory role, she is a part-owner of Warbler Brewery, LLC, and serves on the boards of the Hartwick College Alumni Association, Westminster Presbyterian Church, and the Financial Planning Association of Northeastern New York. Independent Financial Partners offers investment advisory, financial planning, trust, and retirement-plan services through a decentralized multi-advisor platform. The firm supports a wide range of clients with customizable investment strategies and notable retirement-plan advisory and pension consulting 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 4 years of industry experience. He holds Series 63 and Series 65 licenses. Heslin’s prior experience includes roles at The Colony Group, LLC, Atlas Private Wealth Management, LLC, and BULLARD McLEOD & ASSOCIATES, INC. Focus Partners Wealth serves individuals, high-net-worth families, family offices, and institutional clients with a wide range of wealth management and advisory services. The firm employs a long-term, tax- and fee-sensitive investment approach using a blend of active and passive strategies, third-party managers, and private funds within an enhanced open architecture framework.

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® professional based in Albany, NY, with nine years of industry experience. She currently works at Focus Partners Wealth, LLC and has previously held roles at The Colony Group, LLC, Atlas Private Wealth Management, LLC, Capital Financial Services, LLC, and The Ayco Company, L.P./Mercer Allied. Focus Partners serves individuals, high-net-worth families, family offices, and institutional clients by providing wealth management, financial planning, retirement plan consulting, and access to private and registered pooled investment vehicles. The firm employs a long-term investment approach combining active and passive strategies within an enhanced open architecture framework.

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.

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 CFP® with 14 years of experience in the financial services industry. He is currently affiliated with Private Advisor Group, LLC and has prior experience at Independent Financial Partners and LPL Financial, LLC. Outside of his advisory work, he is a co-owner of B Squared Ad Ops LLC, a company specializing in online ad traffic consulting. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans with a range of services including portfolio management, financial planning, and retirement plan consulting. The firm employs a fiduciary-based advisory model that incorporates both proprietary and third-party investment strategies delivered through various technology platforms.

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.

Andrew Cook Jr. is a financial advisor at &PARTNERS with 14 years of industry experience. He holds a Series 66 designation and has previously worked at Wells Fargo Clearing Services LLC, Bank of America, N.A., and Merrill. Outside of his advisory role, he serves as a trustee for Friends Trust in Albany, NY. &PARTNERS serves a diverse client base including high-net-worth individuals, retirement plans, charitable organizations, and corporations. The firm offers investment management, financial and tax planning, and ERISA consulting through both discretionary and non-discretionary strategies, employing a combination of fundamental, technical, and quantitative analysis.

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.

Lee Lashombe is a financial advisor at Key Investment Services LLC with 17 years of industry experience. He holds the Series 63 and Series 66 designations. His work history includes multiple roles at Key Investment Services LLC and KeyBank dating back to 2016. Key Investment Services LLC is an SEC-registered investment adviser and wrap-fee program sponsor that serves individuals, trusts, estates, small businesses, and institutional plan clients through a network of financial professionals. The firm offers multiple wrap programs with custodial and trade execution services and employs a multi-provider model relying on Envestnet, the Key Wealth Chief Investment Office, and third-party managers to design and monitor portfolios.

Rachel Soka is a financial advisor at Focus Partners Wealth, LLC with 19 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at several firms including Connectus Wealth, Atlas Private Wealth Management, Royal Alliance Associates, INC., and Vahanian & Associates Financial. Focus Partners serves individuals, high-net-worth families, family offices, corporate, and institutional clients with a range of wealth management and advisory services. The firm’s investment approach combines long-term, tax- and fee-sensitive portfolio construction under an enhanced open architecture framework that blends active and passive strategies, third-party managers, and private funds.

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.

Peter Laurenzo is a CFP® with 41 years of industry experience, currently serving as an advisor at GWN Securities Inc. since 2005. Prior to that, he has been associated with Connecticut Mutual Life Insurance Company since 1985. Outside of his advisory role, he is a principal at Northeast Wealth Management, LLC, where he provides income tax preparation and college planning services. GWN Securities is an SEC-registered investment adviser and broker-dealer with a network of approximately 423 advisors managing about $3.65 billion across more than 37,000 client accounts. The firm offers discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios, employing a range of investment strategies including traditional asset allocation and legacy market-timing and momentum-based approaches.

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.