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.

Jason Holowinski is a financial advisor at Janney Montgomery Scott with 32 years of industry experience. He has been with Janney Montgomery Scott since 2008 and holds a Series 63 designation. Outside of his advisory work, he is a partner in Blue Skies Enterprises. 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 wide range of clients, including individuals, families, trusts, corporate and retirement plans, and charitable organizations, offering brokerage, financial planning, and advisory services through a combination of in-house and third-party managers.

Brandon Santillo is a financial advisor at Janney Montgomery Scott with six years of industry experience. He holds Series 66 and Series 63 licenses and has previously worked at Equitable Advisors and the Jim and Julie Boeheim Foundation. 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 wide range of clients, including individuals, families, trusts, corporate and retirement plan sponsors, and municipal clients, offering brokerage services, financial planning, consulting, and multiple advisory programs.

John Donohue Jr. is a financial advisor with Commonwealth Financial Network based in East Syracuse, NY. He holds the CFP® and ChFC® designations and has 41 years of industry experience. He has been a partner at Diversified Wealth Strategies, LLC since 2008 and has been operating under his own entity, John A Donohue CLU, since 1981. 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 provides a range of advisory programs and services, including wealth management and retirement plan consulting, supported by in-house investment management, technology, and compliance resources.

Jerry Bruno is a financial advisor with GWN Securities Inc. in Syracuse, NY, holding Series 63 and Series 65 licenses and 27 years of industry experience. Prior to joining GWN Securities in 2023, he worked for Leigh Baldwin & Co., LLC for 21 years. Outside of his advisory role, he is licensed to sell a broad range of insurance products and manages a two-family rental property. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individuals and business clients through discretionary managed accounts and financial planning. The firm offers a variety of managed-account programs and model portfolios, including SMA, UMA, and fund-strategist options, with a distinctive history of incorporating market-timing and momentum-based strategies.

Nicholas Caracci is a financial advisor at Citizens Securities, Inc. in Syracuse, NY, holding Series 63 and Series 65 licenses with 10 years of industry experience. He has been with Citizens Securities and related entities 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 as well as brokerage and insurance services. The firm’s investment advisory offerings include a digital advisory program and a Managed Account program, operating as both a broker-dealer and insurance agency.

Leyla Morgillo is a Certified Financial Planner® with 14 years of industry experience, currently affiliated with Commonwealth Financial Network. She previously worked at Lincoln Financial Advisors for 10 years and joined Madison Financial Planning Group and Commonwealth Financial Network in 2023. Outside of her advisory role, she serves as secretary for the Kirkville Fire District. Commonwealth Financial Network supports a national network of approximately 2,950 advisors by providing operations, technology, compliance, and investment management services. The firm offers a range of advisory programs and discretionary model portfolios designed to meet diverse client needs.

Nicole Hurley is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 licenses and bringing eight years of industry experience. She has worked at firms including Northwestern Mutual Investment Services LLC and Focused Financial Solutions. Hurley is also co-owner of Crossbridge Financial Group of CNY, a private entity supporting securities, advisory, and insurance business. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing about $212.7 billion in client assets. The firm provides a broad adviser-support platform with access to managed-account programs, third-party asset managers, retirement consulting, and custody services.

Ernesto Smith Fernandez is a financial advisor at Key Investment Services LLC with three years of industry experience. He holds the Series 66 designation and has worked previously at Equitable Advisors, LLC and KeyBank. His background also includes experience in banking and education sectors. 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 selections supported by non-binding recommendations, ongoing monitoring, and access to third-party discretionary managers, operating within the KeyCorp group with connections to KeyBank and KeyBanc Capital Markets.

Shawn Holahan is a financial advisor at Citizens Securities, Inc. with one year of industry experience. He holds the Series 66 designation and previously worked at Equitable Advisors, LLC. Outside of his advisory roles, he has been involved with the Boy Scouts of America through the National and Senca Waterways councils. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm provides a digital advisory program focused on ETF-based portfolios as well as managed accounts, operating as both a broker-dealer and an insurance agency.

Michael Davirro is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. He has worked previously at Cadaret, Grant & Co., Inc. and co-owns Bowers & Company CPAs PLLC, a CPA firm where he is involved in tax preparation and consulting. Davirro also co-owns Diversified Capital Management, LLC, a private entity focused on securities, advisory, and insurance business. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, providing a range of advisory programs, investment management, and practice-management support. The firm offers discretionary model portfolios and customizable program structures, supported by a comprehensive operations and technology platform.

Ronald Kelly is a financial advisor with TIAA-CREF in Syracuse, NY, holding Series 63 and Series 66 licenses and having 31 years of industry experience. He has been with TIAA since 2012. Outside of his advisory role, he volunteers as an officer with the Holy Name Society, supporting parish activities, and serves on the board of the Monsignor Ronald Bill Scholarship Fund, which awards annual academic scholarships to students. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, and small retirement plans, often serving clients with existing retirement plan relationships. The firm offers a range of advisory services including model portfolio management and customized portfolio solutions, and operates within a vertically integrated structure that includes affiliated funds and donor-advised fund services.

Erin Puff is a financial advisor at GWN Securities Inc. with one year of industry experience. She holds Series 63 and Series 65 licenses and has been involved with Djpuff Advisors Group, Inc. since 2014, currently serving as Operations Manager. GWN Securities provides investment advisory and related services to individual and corporate clients through various managed account programs and financial planning options. The firm employs a mix of affiliated and unaffiliated sub-advisers and incorporates market-timing and momentum-based strategies in some of its legacy offerings.

Patrick Lynch is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 25 years of industry experience. He has worked at Diversified Wealth Strategies and Commonwealth Financial Network since 2008. His other business activities include involvement in fixed insurance. 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 provides a range of advisory programs and services, including discretionary model portfolios and personalized investment options, while supporting affiliated advisors with operations, technology, and compliance.

William Moore is a CFP® professional with 27 years of industry experience, currently serving as a financial advisor at Janney Montgomery Scott since 2018. He previously worked at Wells Fargo Advisors LLC and Wells Fargo Clearing from 2009 to 2018. Outside of his advisory role, he is a board member of Liverpool Turkey Trot LLC, a charitable organization that organizes an annual Thanksgiving Day 5K race. 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, offering brokerage services, financial planning, and advisory programs that include both in-house portfolio management and third-party managers across multiple platforms.

Nicholas Dzielski is a financial advisor at Citizens Securities, Inc. with four years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at W&S Brokerage Services, Western and Southern Life, and Northwestern Mutual. His background also includes roles outside finance, such as positions at Pittsburgh National Golf Club and Winwood Day Camp. 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’s advisory offerings include a digital advisory program managed with SigFig and a Managed Account program, operating as a broker-dealer and insurance agency within a banking organization.

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.