Robert Polak Jr. is a financial advisor at TIAA-CREF with 30 years of industry experience. He holds Series 63 and Series 65 credentials and has been with TIAA-CREF since 2007. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm operates a model that separates one-time financial planning from ongoing portfolio management and serves as adviser to a donor-advised fund.

Thomas Baker is a CFP® professional with 17 years of industry experience, currently affiliated with Commonwealth Financial Network in Syracuse, NY. He has worked at Salt City Financial Advisors since 2019 and previously spent a decade with Wells Fargo Advisors Financial Network LLC. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors through a range of advisory programs and services, including wealth management and retirement plan consulting. The firm provides operations, trading, technology, compliance, and practice-management support, while offering a variety of discretionary and customized portfolio solutions.

Donald Puff is the principal of Djpuff Advisors Group, Inc. in Camillus, NY, with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has led Djpuff Advisors Group since 2006. In addition to his advisory role, he operates as a general agent in insurance sales, focusing on life, health, long-term care insurance, and fixed annuities. Djpuff Advisors Group provides model-portfolio services to broker-dealers and their associated persons through a Strategic Asset Reallocation program, using momentum analysis and a velocity filter to manage portfolios primarily composed of mutual funds and variable annuity sub-accounts. The firm serves broker-dealer clients rather than retail investors and is compensated by those clients rather than through traditional retail asset-based fees.

Andrew Baker is a financial advisor with Independent Financial Group, LLC in Cicero, NY, holding a Series 63 designation and 26 years of industry experience. He has been with Independent Financial Group since 2012. Outside of his advisory role, he owns and operates a business buying and selling used boats, RVs, automobiles, and snowmobiles at auction. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and corporate plans. The firm employs a combination of firm- and third-party investment models and offers various portfolio management and retirement plan services while operating as both a broker-dealer and investment adviser.

Katelyn Kriesel is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 credentials and 14 years of industry experience. Her prior work includes positions at Cadaret, Grant & Co., Inc. and Morgan Stanley. She also serves as an elected Town Councilor for the Town of Manlius. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser supporting a national network of approximately 2,900 advisors and managing roughly $212.7 billion in client assets through a range of managed-account programs and third-party asset managers.

James Tucker IV is a Series 66-licensed financial advisor with nine years of industry experience. He is currently affiliated with Commonwealth Financial Network and Madison Financial Planning Group, having held prior roles at Lincoln Financial Advisors, Bank of America, and Merrill. Commonwealth Financial Network serves a national network of approximately 2,900 advisors and manages 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, with a broad range of investment options and back-office support.

Carolyn Barnaba is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 66 credentials and bringing 13 years of industry experience. Her career includes roles at KeyBank and Empower Federal Credit Union, with over two decades associated with KeyBank entities. Key Investment Services LLC serves individual, trust, estate, small business, and corporate clients through various advisory programs and managed account offerings. The firm emphasizes client-directed investment strategy selection combined with professional monitoring and oversight, operating within the KeyCorp group and collaborating with affiliated entities for custody, clearing, and additional financial services.

Joseph Diamond is a financial advisor at Key Investment Services LLC with 12 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Key Investment Services and KeyBank. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through wrap-fee advisory programs, model portfolios, separately managed accounts, and other investment products. The firm emphasizes client-directed model selection and ongoing monitoring while providing access to third-party discretionary managers and supervisory oversight.

Daniel Hopkins is a financial advisor with OSAIC Institutions, Inc. He holds Series 63 and Series 66 licenses and has 39 years of industry experience. His prior roles include positions at Ameriprise and Royal Alliance Associates, INC. OSAIC Institutions, Inc. serves individuals, retirement plans, trusts, estates, and corporate clients by providing customized advisory services, financial planning, ERISA plan services, and access to alternative investments and lending solutions. The firm operates a hybrid adviser/broker-dealer model with a focus on both discretionary and non-discretionary accounts.

Evan Ryan is a financial advisor with Key Investment Services LLC in Cicero, NY. He holds Series 63 and Series 66 registrations and has four years of industry experience. Prior to his current role, he worked at KeyBank and was involved with the Potsdam Town & Country Club and Clarkson University/MWCS. 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 model selection and ongoing monitoring, offering access to third-party managers and providing supervisory oversight across its programs.

Susan Izyk is a financial advisor with Bankers Life Advisory Services, Inc., holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. Her prior roles include positions at CCO Investment Services and Citizens Bank. Outside of her advisory work, she serves in a monitoring role for the Liverpool School District. Bankers Life Advisory Services, Inc. provides discretionary portfolio management, investment consulting, and retirement plan consulting primarily to mass-affluent and high-net-worth individuals. The firm’s investment approach includes customized asset allocation, periodic rebalancing, and a combination of fundamental, technical, and cyclical analysis to guide portfolio management.

Matthew Root is a financial advisor with Lincoln Investment in Syracuse, NY, holding a Series 63 designation and 28 years of industry experience. He has worked at Lincoln Investment since 2017 and previously held roles at Legend Advisory Corporation and Legend Equities Corporation. In addition to his advisory work, he is the owner and operator of Roots Tax Service, providing tax preparation services. Lincoln Investment Planning, LLC is a large, enterprise investment advisory and broker-dealer serving a diverse client base, including individuals, high-net-worth investors, trusts, charities, and retirement plans. The firm offers financial planning, portfolio management via advisor- and firm-managed models, and access to third-party managers, supported by an in-house Investment Management & Research team that constructs strategic and adaptive portfolios.

Kristopher Wadsworth is a financial advisor with Bankers Life Advisory Services, Inc., holding the ChFC® and Series 63 designations and bringing 24 years of industry experience. His prior roles include positions at New York Life Insurance Co., NYLIFE Securities LLC, and various financial services firms. He also manages a team of agents at Bankers Life & Casualty, focusing on hiring and training related to insurance product sales. Bankers Life Advisory Services, Inc. is an SEC-registered investment adviser serving mass-affluent and high-net-worth individuals through discretionary portfolio management, investment consulting, and retirement plan services. The firm employs fundamental, technical, and cyclical analysis to tailor asset allocations and portfolio management aligned with clients’ objectives and risk profiles.

Brynner Holland is a financial advisor with Bankers Life Advisory Services, Inc. in Syracuse, NY, holding Series 63 and Series 65 licenses and two years of industry experience. His background includes roles at Bankers Life Securities, Inc. and Bankers Life & Casualty, Inc., as well as prior work in the automotive and pet care industries. Outside of advisory work, he manages a short-term rental property through Vrbo. Bankers Life Advisory Services, Inc. provides discretionary portfolio management and investment consulting primarily to mass-affluent and high-net-worth individuals, focusing on customized asset allocation, tax efficiency, and a combination of fundamental and technical analysis.

Jeffrey Francisco is a financial advisor with Principal Financial Services, holding a Series 63 designation and ten years of industry experience. He has worked with Principal Securities Inc. and Principal Life Insurance Co. since 2016, and previously with Legacy Financial Group and Associates and Bethmann, Russell, Caron & Associates. His other business activities include involvement in outside insurance, fixed life, fixed annuities, and disability insurance. Principal Securities provides brokerage and registered investment advisory services to a wide range of clients, including individual investors, retirement plans, and charitable organizations. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Anthony Markusz is a financial advisor at TIAA-CREF with 10 years of industry experience. He holds the CFP® and Series 66 credentials and has previously worked at Heritage Wealth Advisors, Ameriprise, and Equitable Advisors. In addition to his advisory role, he is a licensed real estate salesperson involved in listing and selling homes in Syracuse, NY. TIAA‑CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals connected with TIAA-administered employer retirement plans, as well as to trusts, estates, and small retirement plans. The firm’s advisory model separates defined planning services from ongoing discretionary management and includes offerings of both model and customized portfolios.

Stanley Warner is a financial advisor with Cetera Planning Partners who holds a Series 66 designation and has 22 years of industry experience. He has worked with various firms within the Avantax and Cetera networks and operates a tax preparation and accounting practice as a CPA. Warner also serves on the board of MMI Prep School. Cetera Planning Partners serves individual and high-net-worth clients, with a focus on pre-retirees and retirees, providing investment management, comprehensive financial planning, Social Security optimization, and retirement-related advice. The firm offers additional services such as tax planning, bookkeeping, payroll support, and estate planning, supported by affiliation with a broader Cetera network and institutional resources.

Matthew Pfeiffer is a financial advisor at Independent Financial Partners with 27 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Key Investment Services LLC for 11 years. Pfeiffer is also the owner of Harbor Wealth Advisors CNY, Inc., a financial services company, and is involved in insurance and annuity support roles. Independent Financial Partners offers investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisers. The firm supports a multi-advisor platform serving a wide range of clients, with a notable focus on retirement-plan advisory and pension consulting services.

Adam Gould is a CFP® professional with 12 years of industry experience, currently serving at Key Investment Services LLC. His career includes roles at KeyBank, Wells Fargo Clearing, Merrill, Bank of America, Citizens Securities Inc., LPL Financial, and J.P. Morgan Securities. Key Investment Services LLC provides a range of advisory programs and investment products to individuals, trusts, estates, small businesses, and corporate clients. The firm emphasizes client-directed investment strategies with non-binding recommendations and ongoing monitoring, while offering access to third-party discretionary managers and supervisory oversight.

Andres Cano is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 66 designations and bringing 25 years of industry experience. He has been associated with KeyBank and Key Investment Services in various capacities since 2016. Outside of his advisory role, Cano serves as a director for Advocates, Inc., a nonprofit organization supporting families with children with disabilities. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through a variety of advisory programs, including wrap-fee offerings, model portfolios, and separately managed accounts. The firm emphasizes client-directed model selection combined with ongoing monitoring and due diligence, operating within the KeyCorp group and leveraging affiliations with KeyBank and KeyBanc Capital Markets.