Thomas Militello is a financial advisor with United Planners' Financial Services of America, holding a Series 66 designation and 17 years of industry experience. He previously worked at The Prudential Insurance Company of America and Pruco Securities LLC before joining United Planners in 2021. Militello also owns Adirondack Investment Strategies, a marketing DBA, and serves as an insurance agent for non-variable insurance. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base, including individual investors, retirement plans, corporations, and institutional clients. The firm delivers advisory services through independent Investment Adviser Representatives, employing a mix of custodians and third-party money managers, with a notable focus on non-discretionary account management.

Albina Balkic is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. She has worked with Key Investment Services LLC since 2016, including her current role since 2021, and previously held positions at KeyBank. 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, operating within the KeyCorp group with connections to affiliated banking and capital markets entities.

David Palmiter is a financial advisor at Key Investment Services LLC with 26 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and previously worked at Citizens Securities, Inc. for 17 years. Outside of advising, he is the owner of a single-family rental property. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through a range of advisory programs, model portfolios, and managed accounts. The firm emphasizes client-directed model selection with ongoing monitoring and offers access to third-party discretionary managers, operating as part of the KeyCorp group with affiliated banking and capital markets entities.

Caragh Fahy is a CFP® professional with 30 years of industry experience, currently affiliated with Commonwealth Financial Network and owner of Madison Financial Planning Group. She worked at Lincoln Financial Advisors Corp. for 22 years prior to joining her current roles. Commonwealth Financial Network is a national dual-registered broker/dealer and SEC-registered investment adviser supporting approximately 2,900 advisors and managing over $212 billion in client assets. The firm provides a broad platform including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Daryl Oar is a financial advisor with Citizens Securities, Inc. in Syracuse, NY, holding Series 63 and Series 65 licenses and with 33 years of industry experience. He has worked at Citizens Securities since 2008. 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 advisory offerings include a digital advisory program managed in partnership with SigFig and a Managed Account program, and it operates as a broker-dealer and insurance agency.

Christian Brown is a financial advisor with Key Investment Services LLC in Syracuse, NY. He holds Series 63 and Series 65 licenses and has 22 years of industry experience. His prior work includes 11 years at M&T Securities, Inc. and a period at LPL Financial. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through various advisory programs and investment products, emphasizing client-directed model selection combined with ongoing monitoring and due diligence. The firm operates within the KeyCorp group and maintains affiliations with KeyBank and KeyBanc Capital Markets.

Michael De Bottis is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 66 licenses and seven years of industry experience. His career includes roles at KeyBank, LPL Financial, M&T Securities, Equitable Advisors, and AXA Advisors. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients with a range of advisory programs, including wrap-fee programs, model portfolios, and separately managed accounts. The firm emphasizes client-directed model selection and provides access to third-party discretionary managers along with ongoing monitoring and supervisory oversight.

Darren Butler is a financial advisor at Citizens Securities, Inc. with three years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities LLC. 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 approach includes a digital platform and managed accounts, operating as part of Citizens Bank, N.A.

Richard Marsh Jr. is a financial advisor at Key Investment Services LLC with 34 years of industry experience. He holds the Series 63 and Series 65 designations and has previously worked at LPL Financial and M&T Bank. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through a variety of advisory programs and model portfolio offerings. The firm emphasizes client-directed investment strategy selection while providing non-binding recommendations and ongoing oversight.

Daniel Michel is a financial advisor at Lincoln Investment with 36 years of industry experience. He holds a Series 63 designation and has worked at Lincoln Investment since 2017. Prior to that, he spent significant time at Legend Advisory Corporation and Legend Equities Corporation. Outside of his advisory role, Michel serves as president and treasurer of Michel Tax & Accounting Service, Inc., a firm specializing in tax preparation, payroll, bookkeeping, and accounting. Lincoln Investment serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a focus on educators and 403(b)/457(b) participants. The firm offers a variety of financial planning services and investment management solutions, employing both strategic and dynamic approaches across discretionary and non-discretionary programs.

Michael Sheridan is a CFP® with 32 years of industry experience, currently serving at Independent Financial Partners since 2020. His prior experience includes 15 years at Key Investment Services LLC. Outside of his advisory role, he is involved as the owner of a holding company and an S-Corp related to financial services compensation. Independent Financial Partners offers investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisors. The firm supports a multi-advisor platform with discretionary and non-discretionary account management, and is notable for its formal retirement-plan advisory and pension consulting capabilities.

Brandon Maggio is a financial advisor at Key Investment Services LLC with five years of industry experience. He holds the Series 63 and Series 66 designations. His prior experience includes roles at Prudential Insurance Company of America and Pruco Securities, LLC, as well as positions at the Syracuse VA Medical Center and KeyBank. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through various advisory programs, model portfolios, and separately managed accounts. The firm emphasizes client-directed investment strategy selection supported by ongoing monitoring and due diligence, operating within the KeyCorp group and affiliated with KeyBank and KeyBanc Capital Markets.

Brent Schleicher is a financial advisor with Independent Financial Partners, holding Series 63 and Series 65 credentials and 29 years of industry experience. He previously worked at Commonwealth Financial Network for 11 years before joining Independent Financial Partners and IFP Securities in 2025. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent Investment Adviser Representatives. The firm offers a decentralized advisory model with both discretionary and non-discretionary account management, and it is notable for its formal retirement-plan advisory and pension consulting capabilities.

Joseph Fletcher is a financial advisor with Commonwealth Financial Network in Syracuse, NY, holding a Series 66 designation and three years of industry experience. Prior to joining Commonwealth, he worked at Salt City Financial Advisors and has professional experience in corporate and sports-related roles. Outside of finance, he is involved in bookkeeping for The Goalie Workshop and coaches at The Platform Lacrosse Academy. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm offers a range of advisory programs and support services, including discretionary model portfolios and personalized investment solutions, while providing operational and compliance infrastructure to affiliated advisors.

Mario Cabral is a financial advisor with Guardian Life and Park Avenue Securities, holding Series 63 and Series 66 licenses and five years of industry experience. His prior roles include positions at Equitable Advisors, Mass Mutual Life Insurance Company, and AXA Advisors. Outside of his advisory work, he is a 50% owner of St. Famous Partners LLC, a company that manages rental properties. Park Avenue Securities LLC, a wholly owned subsidiary of The Guardian Life Insurance Company of America, provides brokerage services, financial planning, and investment advisory programs to individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers both discretionary and non-discretionary advisory relationships utilizing model portfolios from in-house and third-party managers.

Collin Avery is a financial advisor at Key Investment Services LLC with four years of industry experience. He holds the Series 66 designation and has previously worked at KeyBank, Mariner Finance, and Sir Walter Chevrolet. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through various advisory programs, including wrap-fee programs, model portfolios, separately managed accounts, and brokerage and insurance products. The firm emphasizes client involvement in investment strategy selection and provides ongoing monitoring, due diligence, and supervisory oversight while working within the KeyCorp group and collaborating with affiliated entities.

Megan Dozier is a financial advisor at Citizens Securities, Inc. with three years of industry experience. She holds the Series 66 designation and previously worked at Equitable Advisors for two years. Prior to her financial services career, she spent several years in roles at St. Lawrence University, Rowan University, and A Service Company, Inc. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans. The firm offers investment advisory programs alongside brokerage and insurance services, including a digital advisory program that uses proprietary algorithms to manage ETF-based portfolios.

Ping Lin is a CFP® professional with 15 years of industry experience currently serving at Citizens Securities, Inc. in Syracuse, NY. Prior to joining Citizens Securities in 2024, Lin worked at Charles Schwab and HSBC Securities (USA) Inc., with a combined seven years at the former institutions. 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 operates a digital advisory program utilizing ETF-based portfolios guided by proprietary algorithms and client risk profiles, complemented by a Managed Account program and commission-based brokerage services.

Jeffrey Petroske is a financial advisor with TIAA-CREF in Syracuse, NY, holding Series 65 and Series 63 licenses and six years of industry experience. His prior work includes roles at M&T Securities, Inc. and M&T Bank. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing employer retirement plan relationships. The firm offers both point-in-time planning services and ongoing portfolio management through model portfolios and customized strategies, operating within a vertically integrated structure that includes advisory services for donor-advised funds.

Ellen Raflowski is a Series 66 licensed financial advisor with Valic Financial Advisors, bringing 13 years of industry experience. She has worked with Valic Financial Advisors since 2016 and is also associated with Agia in a non-securities insurance capacity. Valic Financial Advisors serves primarily U.S. individuals, including high net worth clients and employer-sponsored retirement participants, offering portfolio management, financial planning, and discretionary unified managed accounts through a large network of advisors.