Samuel Nogueras is a financial advisor at Citizens Securities, Inc. in Albany, NY, holding a Series 66 designation with six years of industry experience. His prior work includes positions at Bank of America, Merrill, and Citizens Bank. Earlier in his career, he was self-employed providing graphic design and media services. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory, brokerage, and insurance services. The firm provides both a digital advisory program and a managed account program, and operates as a broker-dealer and insurance agency.

Christopher Mingone is a financial advisor with Citizens Securities, Inc. He holds a Series 66 designation and has three years of industry experience. Prior to joining Citizens Securities in 2025, he worked at Equitable Advisors and Dealer.com. 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 both a digital advisory program utilizing ETF-based portfolios and a managed account program, and it is wholly owned by Citizens Bank, N.A.

Amanda Lewsey is a financial advisor with GWN Securities Inc. in Albany, NY. She holds Series 65 and Series 63 credentials and has been with GWN Securities and Northeast Wealth Management since 2025. Prior to her advisory career, she worked in various roles including at Southwestern Vermont Medical Center and several hospitality and beverage-related businesses. Outside of finance, she has experience working with craft breweries and distilleries. GWN Securities provides investment advisory services to individual and corporate clients through managed account programs, financial planning, and introductions to third-party managers. The firm uses a combination of model-based allocations and discretionary portfolio management, incorporating both affiliated and unaffiliated sub-advisers, and is noted for its use of market-timing and momentum-based strategies in certain programs.

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 career includes roles 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, 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 ownership of Citizens Bank, N.A.

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.

Christopher Cassidy is a financial advisor at &PARTNERS with 30 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC, totaling 17 years before joining &PARTNERS in 2026. Cassidy holds Series 63 and Series 65 licenses. He serves on the finance committees of St. Stephen's Episcopal Church and the Episcopal Diocese of Albany, where he monitors financial procedures and budgets. &PARTNERS serves a diverse client base, including individuals, retirement plans, charitable organizations, foundations, universities, and sovereign wealth funds. The firm offers a range of advisory and brokerage services, using a combination of proprietary and third-party investment strategies through platforms like Envestnet.

Daniel Smith is a financial advisor at Janney Montgomery Scott with 27 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Janney Montgomery Scott since 2008. 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, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering brokerage services, financial planning, consulting, and various advisory programs.

Katelyn Sager is a financial advisor at Key Investment Services LLC with three years of industry experience. She holds the Series 66 designation and has worked at KeyBank and in the food service industry prior to her current role. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through a variety of advisory programs and investment options. The firm emphasizes client-directed model selection and provides ongoing monitoring, due diligence, and supervisory oversight within its wrap-fee programs.

Shiri Ghimire is a financial advisor at Citizens Securities, Inc. with eight years of industry experience. She holds Series 63 and Series 65 licenses and 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 and individual retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm provides both a digital advisory program, which uses proprietary algorithms to recommend ETF-based portfolios, and a Managed Account program, while also operating 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 credential and one year of industry experience. Prior to joining Citizens Securities, he worked at Citizens Bank and has experience as a varsity assistant basketball coach at Oliver Ames High School. Outside of finance, he is also a Notary Public. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs, brokerage, and insurance services. The firm’s offerings include a digital advisory program utilizing ETF-based portfolios and a Managed Account program, supported by its affiliation with Citizens Bank, N.A.

Christopher Skinner is a financial advisor at Citizens Securities, Inc. with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Citizens Securities since 2016. 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 provides a digital advisory program as well as a Managed Account program and operates as a broker-dealer and insurance agency.

Bailey Lucier is a financial advisor at Citizens Securities, Inc. with six years of industry experience. He holds a Series 66 designation and has previously worked at firms including Goldman Sachs & Co. LLC, Merrill, and Bank of America N.A. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans. The firm offers both investment advisory programs and brokerage and insurance services, with advisory offerings such as a digital advisory program managed in partnership with SigFig and a separate Managed Account program.

Connor Wiggins is a Series 66-licensed financial advisor with three years of industry experience. He is currently with Focus Partners Wealth, LLC and previously worked at Rockefeller Financial LLC, Ameriprise Financial Services LLC, and Nylife Securities LLC. His background also includes four years at Siena College and 14 years at Queensbury School. Focus Partners Wealth, LLC provides wealth advisory and investment management services to a wide range of clients, including individuals, high-net-worth families, retirement plans, and institutions. The firm employs a long-term, tax- and fee-sensitive investment approach that integrates active and passive strategies within an enhanced open architecture framework.

Jacqueline Stulmaker is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 66 licenses and 23 years of industry experience. She has been with Key Investment Services and its affiliated entities since 2013, including a period at KeyBank. Outside of her advisory role, she is an owner and lessor of a family income property. Key Investment Services LLC serves a diverse client base including individuals, trusts, estates, small businesses, and corporate clients through various advisory and brokerage programs. The firm emphasizes client-directed investment model selection alongside non-binding recommendations and ongoing monitoring, and maintains a notable corporate affiliation within the KeyCorp group.

Stephen Woodard is a CFP®, ChFC®, and Series 63 credentialed advisor with 21 years of experience. He is currently with Eagle Strategies (NY Life), where he has worked since 2011, including prior experience at Brown & Fitzgerald, LLC. Eagle Strategies serves a diverse client base that includes individual investors, institutional plans, and charitable and corporate entities, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple program types and emphasizes tailoring recommendations to client objectives, managing most assets on a non-discretionary basis.

Kristen Hadden is a financial advisor with Guardian Life, holding a Series 63 designation and 13 years of industry experience. Her career includes multiple roles at Guardian Life and Park Avenue Securities dating back to 2016. Outside of her financial advisory work, she creates and sells art pieces through her online business, Filamental Concepts. Guardian Life’s subsidiary, Park Avenue® Wealth Management, serves individuals, pension and profit-sharing plans, charitable organizations, and corporate clients, offering brokerage services, financial planning, and investment advisory programs using both proprietary and third-party strategies.

Prescilla Ting Murphy is a financial advisor at Citizens Securities, Inc. in Albany, NY, with four years of industry experience. She holds the Series 63 and Series 65 credentials and has prior experience at Santander Securities, LLC, and Santander Bank, NA. She also serves as a Notary Public for a bank in New Jersey. 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, operating as a broker-dealer and insurance agency.

Richard Decker Jr. is a financial advisor at Citizens Securities, Inc. in Syracuse, NY, holding Series 63 and Series 65 licenses with 27 years of industry experience. He has been with Citizens Securities since 2009. 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’s advisory offerings include a digital advisory program managed in partnership with SigFig and a separate Managed Account program, while also operating as a broker-dealer and insurance agency.

Joanne Windas is a financial advisor at &PARTNERS with 28 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. She serves as co-executor for her mother’s and father’s estates. &PARTNERS serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional investors. The firm offers investment advisory and brokerage services using both proprietary and third-party strategies, and operates as both a registered investment adviser and broker-dealer.