Cara Hayes is a financial advisor at Citizens Securities, Inc. in Albany, NY, holding a Series 66 designation with six years of industry experience. Her prior roles include positions at JPMorgan Chase Bank, Merrill Lynch, and various credit unions. Outside of her advisory work, she volunteers as a cookie booth supervisor for the Girl Scouts of Southern New England. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, providing investment advisory programs alongside brokerage and insurance services. The firm offers both digital and managed account advisory programs and operates as a broker-dealer and insurance agency.

James Thorp is a financial advisor at Janney Montgomery Scott with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Janney Montgomery Scott continuously since 2015. 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, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering a range of brokerage, financial planning, consulting, and advisory programs.

Daniel Smith is a financial advisor with Janney Montgomery Scott, holding Series 63 and Series 65 credentials and 28 years of industry experience. He has been with Janney Montgomery Scott since 2008 and previously worked at Wells Fargo Clearing from 2000 to 2004. 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, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering brokerage services, financial planning, consulting, and multiple advisory programs.

Shiri Ghimire is a financial advisor with Citizens Securities, Inc. in Albany, NY, holding Series 63 and Series 65 credentials and nine years of industry experience. She has been with Citizens Securities and Citizens Bank in various roles since 2010. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering both investment advisory programs and brokerage and insurance services. The firm provides a digital advisory program alongside managed accounts and operates as a broker-dealer and insurance agency.

Charles Millar is a financial advisor at Janney Montgomery Scott with 34 years of industry experience. He holds Series 63, 65, and 66 licenses and has been with Janney Montgomery Scott since 2014. Outside of his advisory work, he serves in various leadership roles within the Hudson, NY community, including as a director of Friends of Hudson Youth, and holds multiple trustee positions at Columbia Greene Community College. Janney Montgomery Scott is a large enterprise firm managing approximately $110 billion in assets, serving a diverse clientele including individuals, families, trusts, estates, and institutional clients. The firm offers brokerage, financial planning, and advisory services, utilizing a combination of in-house and third-party portfolio management across multiple wrap programs and model portfolios.

Andrew Carl is a financial advisor with Citizens Securities, Inc. in Albany, NY, holding a Series 66 designation and one year of industry experience. Prior to his current role, he spent several years at Citizens Bank and worked at Mass Premier Courts. Outside of advising, he serves as a Notary Public and is a varsity assistant basketball coach at Oliver Ames High School during the winter season. 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 platform and a Managed Account program, operating within a broader bank-owned enterprise.

Jacqueline Stulmaker is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 66 designations and 23 years of industry experience. She has worked with Key Investment Services and KeyBank since 2013. Outside of her advisory role, she is an owner and lessor of a family income property in Rensselaer, NY. Key Investment Services LLC is an SEC-registered investment adviser and wrap-fee program sponsor serving individuals, trusts, estates, small businesses, and institutional clients through a network of financial professionals. The firm offers model-based portfolio management and utilizes a multi-provider platform to deliver discretionary and non-discretionary investment solutions.

Kristen Hadden is a Series 63-licensed financial advisor with 13 years of industry experience. She is currently with Guardian Life and has worked extensively within affiliated entities including Park Avenue Securities. Outside of finance, she operates Filamental Concepts, an online business selling her own artwork. Guardian Life’s subsidiary, Park Avenue® Wealth Management, serves individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a range of brokerage and advisory services combining advisor-led discretionary management with model-based strategies and access to proprietary and third-party programs.

Richard Gingras is a financial advisor with Commonwealth Financial Network, holding CFP® and ChFC® designations and over 30 years of industry experience. He has operated Gingras Financial Services since 2001 alongside his role at Commonwealth. Outside of finance, he is a certified spinning instructor. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides advisory programs, technology, trading, and practice-management support, allowing advisors discretion in portfolio construction and access to model portfolios managed by its Investment Management and Research team.

Peter Brucato is a financial advisor with Private Advisor Group, LLC, holding CFP® and CFA® designations and over 23 years of industry experience. His prior work includes roles at LPL Financial and AIG Valic. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by providing portfolio management, financial planning, and managed account solutions using a fiduciary-based advisory model that incorporates both discretionary and non-discretionary strategies.

Margaret Koetzner is a financial advisor at Citizens Securities, Inc. in Albany, NY, with 24 years of industry experience. She has been with Citizens Securities since 2019 and previously worked at Key Investment Services LLC from 2016 to 2019. Her credentials include Series 63 and Series 65 licenses. Citizens Securities serves a diverse 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 and a Managed Account program, with a combined approach that includes discretionary and non-discretionary investment services.

Scott Wilson is a financial advisor at Janney Montgomery Scott in Albany, NY, holding a Series 63 designation with 26 years of industry experience. He has been with Janney Montgomery Scott since 2005. Janney Montgomery Scott LLC is a large broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse clientele including individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipalities, offering a range of brokerage, financial planning, and advisory services backed by in-house and third-party portfolio management.

Michael Mancivalano is a financial advisor at Empower Advisory Group with eight years of industry experience. He holds a Series 66 designation and has worked at firms including Personal Capital, J.P. Morgan Chase Bank, J.P. Morgan Securities, Edward Jones, and Strategic Financial Solutions. Outside of his advisory role, he owns Fam-All, a business focused on analyzing rental properties. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain retail clients. The firm integrates its services with Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

Damaris Taylor is a financial advisor with Citizens Securities, Inc. in Albany, NY, holding a Series 66 designation and one year of industry experience. Prior to joining Citizens Securities, she worked at Northwestern Mutual Boston and Edward Jones. Outside of her financial career, she serves as a pastor at The Bridge Church, where she leads staff, casts vision, and teaches. 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 features a digital advisory program with ETF-based portfolios and a Managed Account program, operating as part of Citizens Bank, N.A.

Kathryn Krause is a financial advisor at Citizens Securities, Inc. in Albany, NY, holding Series 63 and Series 65 licenses with 12 years of industry experience. She has worked in various roles within Citizens Bank and Citizens Securities since 2015. Krause is also a Notary Public. Citizens Securities serves a diverse retail client base, including individuals and high-net-worth investors, offering investment advisory programs, brokerage, and insurance services. The firm’s advisory approach includes a digital advisory program and managed accounts, complemented by its role as a broker-dealer and insurance agency.

Bonnie Kenna is a financial advisor at Lincoln Investment with 21 years of industry experience. She previously worked at Legend Equities Corporation and Legend Advisory Corporation before joining Lincoln Investment in 2017. Outside of her advisory role, Kenna is involved in coaching field hockey at multiple levels, including head varsity coach at a New York public high school and coaching roles with nonprofit and national field hockey organizations. Lincoln Investment Planning, LLC serves a diverse client base including individual and high-net-worth investors, trusts, charities, and retirement plans, with a focus on educators and participants in 403(b) and 457(b) programs. The firm offers financial planning, advisor-led consulting, and portfolio management supported by an in-house investment management and research team and third-party managers.

Kevin Dubner is a financial advisor with Steward Partners Investment Advisory, LLC, holding a Series 63 designation and 46 years of industry experience. His prior work includes 15 years at Janney Montgomery Scott and two years at Raymond James Financial Services. He has been with Steward Partners-affiliated firms since 2020. Steward Partners Investment Advisory, LLC is an SEC-registered enterprise-scale RIA managing approximately $36.7 billion in assets. The firm serves a diverse client base—including individuals, pension plans, corporations, trusts, and charitable organizations—offering a range of investment advisory, financial planning, pension consulting, and managed account services.

Rani Ojha is a financial advisor with Citizens Securities, Inc. in Albany, NY, holding Series 63 and Series 65 licenses and eight years of industry experience. Prior to joining Citizens Securities in 2022, Ojha worked at Santander Securities, LLC and Santander Bank, NA for a combined seven years. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering investment advisory programs as well as brokerage and insurance services. The firm’s offerings include a digital advisory program managed in partnership with SigFig and a Managed Account program, while operating as both a broker-dealer and insurance agency.

Kevin O'Donnell Jr. is a CFP®-designated financial advisor with 28 years of industry experience, currently affiliated with Commonwealth Financial Network and Beacon Investment Services. His prior work includes tenures at UBS Financial Services, Merrill, Quick & Reilly, Banc of America Investment Services, and Berkshirebanc Investment Services. He is also involved in fixed insurance sales at his branch location. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a nationwide network of approximately 2,900 advisors and managing about $212.7 billion in client assets. The firm provides a comprehensive adviser-support platform with a variety of managed-account programs, access to third-party asset managers, and custody and clearing services.

Taryn Mentink is a financial advisor with Citizens Securities, Inc. in Albany, NY, holding Series 63 and Series 65 credentials and 14 years of industry experience. She has been with Citizens Securities and Citizens Bank since 2015. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs along with brokerage and insurance services. The firm’s offerings include a digital advisory program and a Managed Account program, operating as a broker-dealer and insurance agency within the Citizens Bank, N.A. enterprise.