Christopher Hurley is a financial advisor at HFR Wealth Management, LLC with 23 years at the firm and four years of industry experience. He holds Series 63 and Series 65 designations. HFR Wealth Management provides discretionary investment management for individuals, high-net-worth clients, trusts, corporations, retirement plans, and charitable organizations. The firm follows a Prudent Investor framework with customized Investment Policy Statements and offers regular portfolio-level performance reporting alongside quarterly reviews.

John Winchek is a financial advisor with Private Advisor Group, LLC, holding a Series 63 designation and 24 years of industry experience. He has been with Private Advisor Group and LPL Financial since 2013. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by providing portfolio management, financial planning, retirement consulting, and access to various managed account solutions. The firm employs a fiduciary-based advisory model, utilizing multiple strategies and technology platforms while often implementing advice through third-party managers and TAMPs.

Craig Fitzpatrick is a financial advisor with Equity Services, Inc. He holds a Series 63 designation and has 17 years of industry experience. Fitzpatrick previously worked at Cadaret Grant & Co., Inc. and Pathfinder Investment Services. He serves on the board of directors and operations committee for the Child Advocacy Center of Oswego County. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms using third-party asset managers and model portfolios, combining long-term strategies with options for shorter-term trading and specialized instruments.

Steven Gottlieb is a financial advisor at Private Advisor Group, LLC with 17 years of industry experience. He holds the Series 66 designation and has previously worked at firms including LPL Financial, Valic Financial Advisors, Goldman Sachs Wealth Services, and Morgan Stanley. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering portfolio management, financial planning, retirement plan consulting, and access to various managed account solutions. The firm employs a fiduciary-based advisory model, utilizing multiple strategies and technology platforms while often implementing advice through third-party managers and TAMPs.

Raymond Luce III is a financial advisor with Kestra Advisory who holds a Series 63 designation and has 31 years of industry experience. His prior work includes roles at LPL Financial, Reliance Capital Management, and Cadaret, Grant & Co., Inc. Outside of his advisory work, he is involved as a sports and fitness coach in Central Square, NY. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base, including institutional and individual clients. The firm offers services such as fiduciary consulting, plan design and compliance, and employee education, supported by due diligence processes and a range of management platforms.

Nicholas Barnes is a CFP® professional affiliated with Cetera Planning Partners, bringing 13 years of industry experience. His prior roles include positions at Avantax and Fidelity, among others. He serves as a city councilor in Fulton, NY, a role in which he addresses community concerns and participates in local governance. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees by providing investment management, comprehensive financial planning, Social Security optimization, and retirement advice. The firm integrates tax planning, bookkeeping, payroll support, and estate-planning services, utilizing diversified portfolios tailored to clients’ objectives and risk tolerance within a broader Cetera network.

Gregory Colasurdo is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 65 licenses and seven years of industry experience. His prior work includes positions at LPL Financial, PRUCO Securities LLC, and Hd Vest Financial Services. He has also operated Deborah Primeau Tax Service, a tax preparation and accounting business, since 2012. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering portfolio management, financial planning, retirement plan consulting, and access to various advisory programs. The firm uses a fiduciary-based approach, combining in-house portfolio management with third-party strategies and technology platforms.

Ryan Bachman is a financial advisor with Guardian Life, holding Series 65 and Series 63 licenses and three years of industry experience. Prior to his current roles at Guardian Life and Park Avenue Securities, he served in the United States Army for eight years. He is also a member of the New York National Guard and engages in insurance services outside of Guardian. Park Avenue Securities LLC, a wholly owned subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm offers a combination of discretionary and model-based investment management, financial planning, and access to both proprietary and third-party advisory solutions.

David Epolito is a financial advisor at Key Investment Services LLC with 14 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at KeyBank for 20 years. Outside of financial advising, he works as a laborer for SMG, managing operations at arenas and amphitheaters. Key Investment Services LLC is an SEC-registered investment adviser and wrap-fee program sponsor serving individuals, trusts, estates, small businesses, and institutional plan clients through a network of financial professionals. The firm offers multiple wrap programs and integrates with KeyCorp affiliates to provide portfolio management and related advisory services.

Randy Zeigler is a financial advisor with Ameriprise Financial Services, holding CFP® and ChFC® designations and possessing 40 years of industry experience. He has worked with Ameriprise since 1986, including 15 years with Ameriprise Financial Services, Inc. Zeigler serves on multiple local boards, including New Covenant Community Church as an elder and treasurer, the Rotary Club of Oswego, Oswego County Community Foundation, and Leave a Legacy of Oswego County. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides written recommendation reports and ongoing tax-aware withdrawal strategies developed from proprietary research and third-party data.

Michael Herholtz is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 38 years of industry experience. He has worked with Mass Mutual Life Insurance Company and Mass Mutual Investors Services since 2018, and previously spent 22 years at Mutual of Omaha Investor Services and Mutual/United Of Omaha Insurance Company. Outside of his advisory role, he is involved as a sales agent for Any Size Financial Solutions, focusing on individual life and health insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser affiliated with MassMutual. The firm provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, utilizing firm-approved tools to deliver written recommendations tailored to client goals.

Jessica Jimenez Wharton is a financial advisor at Ameriprise with 18 years of industry experience. She holds a Series 66 designation and has been with Ameriprise since 2008. Outside of her advisory role, she serves as an instructor for pre-licensing classes covering life and accident insurance as well as securities examinations. She is also a trustee of a family trust managing a real estate property in Florida. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning with a focus on dependable income sources and tax-aware withdrawal strategies.

Robert Rolfe is a financial advisor with OSAIC, holding a Series 63 credential and bringing 32 years of industry experience. His prior work includes roles at Sagepoint Financial, Mass Mutual Investors Services, and Metlife Securities. Outside of his advisory duties, he serves as President of the Board of Directors for The United Way Greater Oswego and participates on the Ambassador Committee for the Greater Oswego Fulton Chamber of Commerce. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment process uses model-based asset allocation and portfolio optimization with various customizable management strategies.

Chad Wilkinson is a financial advisor with LPL Financial holding a Series 66 designation and 28 years of industry experience. He has worked at Kestra Advisory, Commonwealth Financial Network, and P & A Group, among others. Outside of his advisory role, he is co-owner of multiple farming-related businesses including G Wilkers Milkers, LLC and Wilkholm Farm, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides access to financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with technology and research tools.

Stanley Cerlanek is a financial advisor with Edward Jones in Oswego, NY, holding Series 63 and Series 66 designations and bringing 16 years of industry experience. He worked at Solvay Bank for nine years before joining Edward Jones, where he has been since 2023. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and corporate clients. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices nationwide.

Tiffany Hoff is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 designations and six years of industry experience. She has worked with MML Investors Services LLC since 2017 and was previously with MSI Financial Services, Inc. from 2012 to 2017. Hoff has also been affiliated with Mass Mutual Life Insurance Company since 2012. MassMutual’s subsidiary, MML Investors Services, LLC, provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing collaborative financial planning using advanced analytical tools and also conducts educational seminars.

Carrie Penoyer is a Series 66-credentialed financial advisor with Equitable Advisors in Oswego, NY, where she has worked since 2003, totaling 22 years of industry experience. She has served on multiple nonprofit boards and volunteer committees in her community, including the Rotary Club of Oswego and the Oswego Health Foundation Gala. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm utilizes a range of advisory models and third-party asset managers to deliver tailored investment solutions.

Jennifer Reed is a financial advisor at LPL Financial with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at LPL Financial since 2015, following roles at Cadaret, Grant & Co., Inc., RBC Capital Markets, and TD Ameritrade. Outside of her advisory work, she has experience as a wedding photographer and has been involved with the Disabled Persons Action Organization in a part-time capacity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management services, utilizing both proprietary and third-party strategies, supported by advanced research tools and extensive non-advisory financial services.

Paul Myles is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses. He has been with Primerica Advisors and Primerica Financial Services since 2025 and has over a decade of experience as a licensed real estate salesperson with JF Real Estate. Outside of advisory work, he is involved in real estate sales and leasing in Syracuse, NY, and participates in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and discretionary separately managed account options primarily for individual and high-net-worth clients. The firm emphasizes a wrap-fee structure and manages third-party asset managers with oversight from an independent due-diligence consultant.

Morgan Hodinger is a financial advisor with Primerica Advisors holding Series 65 and Series 63 licenses and two years of industry experience. His career includes roles at PFS Investments Inc. and Primerica Financial Services. Primerica Advisors sponsors and manages a wrap-fee asset management program primarily for individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm utilizes model-based investment strategies managed by third-party asset managers and operates on a large scale with several thousand advisors and billions in assets under management.

Nathan Kinne is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and three years of industry experience. He has worked with Primerica Advisors and Primerica Financial Services since 2022. In addition to his advisory role, Kinne has served with the City of Batavia Fire Department since 2013. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-based strategies and discretionary separately managed accounts to individual and high-net-worth clients. The firm manages third-party asset managers and provides a tiered wrap-fee structure, focusing on curated investment models rather than institutional plan management.

Rochelle Peabody is a financial advisor at Edward Jones with a Series 66 designation and three years of industry experience. She previously worked at Constellation, Exelon Corporation, and Entergy, accumulating over a decade of experience in the financial sector. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of financial advisors and branch offices. The firm manages approximately $1.01 trillion in assets under management and provides both discretionary and non-discretionary strategies under a fiduciary standard.

David Mirabito is a financial advisor with Mass Mutual Investors Services who holds a Series 63 designation and has 36 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and was previously with Metlife Securities Inc. for 25 years. Outside of his advisory role, he serves as Finance Committee Chairperson for the Fulton Family YMCA, overseeing financial statements and authorizing payments. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs, focusing on collaborative, goal-based planning without discretionary authority.

Elijah Weiss is a financial advisor at Mass Mutual Investors Services with a Series 66 designation and three years of industry experience. His prior roles include positions at Bank of America, Merrill Lynch, and Farmers Insurance. He serves as a trustee for an irrevocable trust in Syracuse, New York. Mass Mutual Investors Services, LLC is an SEC-registered investment adviser and broker-dealer affiliated with MassMutual. The firm provides financial planning and investment management services to individuals, business owners, trusts, estates, charitable organizations, and employers.

Cameron Borowiec is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and with nine years of industry experience. He has worked at PFS Investments Inc. and Primerica Financial Services since 2016. Outside of his advisory role, Borowiec owns Nailed It Remodeling, LLC and works seasonally as a ski and snowboard instructor at HoliMont Ski Resort. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of discretionary separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses an operational model based on tiered wrap fees rather than fixed fees.

Ellen Ladd is a financial advisor with Cetera, holding a Series 63 designation and bringing 21 years of industry experience. She has worked at Cetera and Cetera Wealth Services, LLC since 2025 and previously operated Ladd Tax & Financial Services Inc. since 2015. Outside of her advisory work, she serves as president of Ladd Tax & Financial Services Inc., which provides tax preparation and accounting services. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a range of portfolio management, financial planning, and consulting services through a large network of independent advisors and a multi-manager platform.

Zachary Luhr is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at BNY Mellon from 2013 to 2018. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process combines quantitative screens and qualitative research to build model asset allocations and may include ESG eligibility considerations.

Michael Delorme is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has been with Cambridge Investment Research Advisors since 2015. Outside of his advisory role, Delorme serves as an elder at the Reformed Presbyterian Church of Oswego and is involved in independent insurance and human resources through his own firm, Delorme and Summa Financial Services. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of financial professionals and manages a multi-billion dollar asset base across multiple platforms and custodians.

Benjamin Ryan is a financial advisor at Ameriprise in Oswego, NY, holding a Series 66 designation with three years of industry experience. Prior to joining Ameriprise, he worked for twelve years at Burritt Motors Inc. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.