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.

Matthew Kistner is a financial advisor at Edward Jones with three years of industry experience. He holds a Series 66 designation and has worked at Edward Jones since 2022. Prior to joining Edward Jones, he was employed at Visions Federal Credit Union, Amphenol Aerospace, Aflac, and SUNY Oswego. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including a broad range of households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers both discretionary and non-discretionary investment strategies, operating under a fiduciary standard.

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.

Mark Saroka is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. He has been with Wells Fargo Clearing since 2016 and worked previously at Wells Fargo Advisors LLC. Outside of his advisory role, he is a 50% owner of CARGOVIEW, Inc., a company involved in the creation, development, marketing, and sales of adjustable mirrors. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related investment options and bank deposit sweep programs in its offerings.

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.

David Powell is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 28 years of industry experience. His prior roles include positions at VOYA Financial Advisors and Equitable Advisors. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, participant-level retirement advice, and institutional platforms, with advisory services delivered through a broad network of investment adviser representatives.

Leo O'Connor Sr. is a CFP® professional with 48 years of industry experience, currently affiliated with LPL Financial in Binghamton, NY. His prior roles include positions at Lincoln Investment and Capital Analysts, Inc. He has been associated with Visions Federal Credit Union since 2016. LPL Financial is a national broker‑dealer and SEC-registered investment adviser that serves 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, supporting over 22,800 advisors and managing more than $819 billion in discretionary assets.

Louis Toujague III is a financial advisor with LPL Financial, holding a Series 66 credential and three years of industry experience. He also works with Visions Federal Credit Union as a client relationship manager and has experience volunteering with emergency medical services organizations. Prior to his advisory role, he has been involved in multiple healthcare and volunteer emergency service positions in the Binghamton, NY area. 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 wide range of financial planning and investment solutions, including access to model portfolios and third-party asset management, supported by advanced operational and research tools.

Michael Van Housen is a financial advisor at LPL Financial with 23 years of industry experience. He holds the Series 66 designation and previously worked at M&T Securities for five years before joining LPL Financial in 2021. 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, wrap and model portfolio programs, and access to third-party asset managers.

Joseph Chesna is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. He holds the Series 66 designation and has been with Wells Fargo Clearing since 2016, having also worked at Wells Fargo Advisors, LLC for one year prior. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party resources.

Cameron Fedish is a financial advisor at LPL Financial with one year of industry experience. He holds the Series 66 designation and has worked previously at Applied Medical Resources. Cameron is also involved with Visions Federal Credit Union as a Client Relationship Manager. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment services, including access to model portfolios, third-party asset managers, and institutional platforms.

Anthony Bates is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and 23 years of industry experience. He has worked at Cambridge Investment Research Advisors since 2025 and previously spent 17 years at IBN Financial Services, Inc. In addition to his advisory role, he is employed by the Village of Endicott in a government position. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a nationwide network of independent financial professionals, utilizing a variety of portfolio management and platform options tailored to client objectives.