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.

John Marchiel is a Series 66 credentialed financial advisor with OSAIC. He joined the firm in 2026 and has prior experience at Faithward Advisors and Citigroup Inc. Marchiel’s background also includes work and study at Binghamton University and teaching roles at Chaminade High School. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, financial planning, and access to third-party money managers, utilizing a mix of proprietary tools and third-party solutions to construct portfolios across various asset classes.