Brian Teta is a CFP® and ChFC® with 25 years of industry experience. He is currently affiliated with Cetera and has been with the firm since 2019. Prior to that, he worked at Foresters Financial Services and Foresters Advisory Services. He is also involved with the Family Enrichment Network. Cetera Investment Advisers LLC operates a multi-manager platform serving individual, retirement plan, corporate, charitable, and institutional clients. The firm provides a range of portfolio management and financial planning services with access to both affiliated and third-party managers.

Matthew Wasser is a Senior Financial Advisor with Merrill Lynch Wealth Management. He began his financial services career in 2000 and joined Merrill Lynch in 2015. In his role, Matthew focuses on building professional and personal client relationships to fully understand their needs and goals, delivering customized wealth management strategies that leverage the global resources of Merrill Lynch and the banking strength of Bank of America. With over two decades of experience, Matthew provides expertise in family wealth management, liquidity management, retirement planning, and portfolio management services. He is a Certified Plan Fiduciary Advisor (CPFA®) and a Retirement Accredited Financial Advisor, committed to assisting corporations, nonprofit organizations, and individual clients in designing and implementing retirement plans. His team, Wasser & Associates, applies goals-based wealth management to serve families, professionals, and business owners by creating personalized financial strategies. Matthew holds a bachelor's degree from the State University of New York at Plattsburgh. He resides in Binghamton, New York, with his wife Amy and their two sons. Outside of work, Matthew enjoys traveling with his family, coaching youth soccer and baseball, playing golf, and participates in community activities including involvement with the Greater Binghamton Football Club and the Food Bank of the Southern Tier.

Cynthia Stogran is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 29 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. Their advisory approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among their investment offerings.

Kevin Klingbeil is a financial advisor with LPL Financial in Endicott, NY, holding a Series 66 license and 18 years of industry experience. His career includes roles at M&T Securities, Inc. and a longstanding affiliation with Visions Federal Credit Union since 2012. He is also associated with Visions Analysis LLC, a separate business entity for tax and investment purposes. 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 advisory and brokerage services, including financial planning and access to third-party asset management, utilizing various portfolio strategies and operational tools.

Thomas Hurd is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 66 licenses and 14 years of industry experience. His career includes roles at Edward Jones and Horace Mann Companies prior to joining Ameriprise. He serves on the Board of Directors for the Lil Hawks Wrestling Club. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service, which provides written recommendation reports and ongoing tax-aware withdrawal strategies.

Ronald Williamson is a CFP® with 24 years of industry experience currently with LPL Financial. He has held prior roles at Covenant Wealth Advisors, LLC, PartnerVEST Advisory Services LLC, ChangePath, LLC, and Equitable Advisors. Outside of his advisory work, he maintains a personal blog and several YouTube channels focused on various interests. 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 services including financial planning, managed portfolios, and institutional platforms, utilizing both proprietary and third-party investment strategies.

Cary Posner is a financial advisor with LPL Enterprise, holding a Series 63 designation and bringing 33 years of industry experience. He worked for Pruco Securities, LLC for 31 years before joining LPL Enterprise in 2024. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. Its investment approach is model-driven, utilizing portfolios developed by internal and third-party strategists, and the firm offers financial planning, access to third-party asset managers, and affiliated trust and insurance services.

Louis Guzzetta is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 27 years of industry experience. He previously worked at M&T Bank, Guzzetta Financial Associates, and Cadaret, Grant & Co., Inc., with overlapping tenures at the latter two from 2009 to 2022. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with various investment strategies and technology tools.

Angela Driscoll is a financial advisor at Edward Jones with one year of industry experience. Prior to joining Edward Jones, she worked in education for more than two decades, including roles with the New York State Master Teacher Program and the Binghamton City School District. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a broad range of advisory programs, managed solutions, and affiliated investment products. The firm is notable for its extensive advisor and branch network and offers services under a fiduciary standard.

Dennis Belardinelli is a financial advisor with Cambridge Investment Research Advisors, holding 44 years of industry experience. He previously worked at IBN Financial Services, Inc. for 21 years and has owned PRL Associates, a firm focused on insurance, benefits, and human resources, since 1991. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension plans, charitable organizations, and other retirement-plan sponsors, offering financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm provides a range of implementation options, including proprietary models and access to third-party managers, with both discretionary and non-discretionary strategies tailored to client objectives.

Marco Montone is a financial advisor at Ameriprise with a Series 66 designation and four years of industry experience. His prior work includes roles at All Yours Coaching and Jersey Mike's, as well as employment with the Maine Endwell School District and WEIS Markets. He also attended Binghamton University from 2020 to 2024. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary, algorithm-assisted recommendations tailored by a centralized consulting team.

Peter Mitchell is a Series 66-licensed financial advisor at OSAIC with three years of industry experience. His prior work experience includes roles at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities LLC. Outside of finance, he has worked in retail and food service sectors. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a large network of advisors and multiple advisory platforms. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and a range of investment options to construct portfolios managed on discretionary or non-discretionary bases.

Martin Lawson Jr. is a financial advisor at Stifel with 19 years of industry experience. He has been with Stifel Nicolaus & Company Inc. since 2006. Martin serves as Vice President of The JR Gaudet Foundation, a nonprofit organization where he is involved in event planning and scholarship application review. He is also a public notary on a volunteer basis. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services. The firm’s investment approach utilizes proprietary methodology from its Investment Strategy Group to offer asset allocation, retirement, insurance, and estate planning analyses.

Joseph Guccione is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses. Prior to joining Wells Fargo in 2026, he worked at UBS Financial Services for 12 years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Michael Kaiser is a financial advisor with Ameriprise in Horseheads, NY, holding Series 63 and Series 65 licenses and 13 years of industry experience. He previously worked at RiverSource Distributors Inc for seven years before joining Ameriprise in 2022. Ameriprise offers a retirement-income planning service tailored for individuals approaching or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm delivers a broad range of advisory, brokerage, and insurance solutions through affiliated entities typical of a large institutional firm.

Stephen Seltzer is a Series 66-credentialed financial advisor with 24 years of industry experience, currently with Equitable Advisors in Binghamton, NY. He has been with Equitable Advisors since 2002 and previously worked at Axa Advisors, LLC. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party investment solutions.

D. Mark Macgargle is a financial advisor at Morgan Stanley with 44 years of industry experience. He holds a Series 63 designation and has been with Morgan Stanley Private Bank, National Association since 2015, following prior work at Morgan Stanley Smith Barney starting in 2009. He is based in Binghamton, NY. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs and financial planning services, employing structured discovery conversations and firm-approved tools to develop tailored plans.

Vicki Bevin Hutchinson is a financial advisor with OSAIC, holding a Series 63 designation and bringing 23 years of industry experience. Her career includes positions at Securities America Advisors, Inc., Securities America Inc., and ongoing work with Mark Saroka. She is also a commissioned Notary Public in Broome County, New York. OSAIC serves a broad range of retail and institutional clients through a large network of financial advisers and offers integrated brokerage, advisory, and retirement plan consulting services. The firm employs various asset-allocation tools and third-party platforms to construct diversified portfolios for individual and institutional investors.

Diane Costello is a financial advisor with LPL Financial, holding a Series 63 designation and 41 years of industry experience. She has been with LPL Financial since 2002. Costello provides long-term care, life, health, and disability insurance to clients as needed. 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, model portfolios, third-party asset management, and institutional platforms.

Kevin Duke is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 40 years of industry experience. His prior firms include Cadaret, Grant & Co., Inc., where he worked for 22 years, and he has operated Kevin J. Duke Financial Services since 2007. 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 and access to third-party asset management, delivered through a large network of investment adviser representatives.