Cathy Cristman is a CFP® professional with 15 years of experience, currently affiliated with Lifemark Securities Corp. and Skye Financial Services, LLC. Her work history includes roles at Cadaret, Grant & Co., Inc., Vanmeter Tax Services, and M. Griffith Investment Services. She also provides tax preparation services through CLC Tax Services during tax season. Lifemark Securities Corp. offers fee-based investment advisory and financial planning services primarily to individual investors and sponsors of participant-directed retirement plans. The firm employs a suitability-driven approach with various managed account options and combines advisory and broker-dealer activities under one roof while maintaining compliance and client disclosures.

Charles Reyes is a CFP® with nine years of experience in the financial services industry. He is currently with Schwab Wealth Advisory, where he has worked for six years, and previously held roles at Morgan Stanley and Bankers Life. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance incorporates asset allocation and investment selection based on internal research tools and standard models, with client authorization required for trades.

Nerissa Hanley is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She has been with Primerica Advisors since 1996 and Primerica Financial Services since 1995. Outside of financial advising, Hanley is co-owner and vice president of Houghtaling & Hanley Funeral Home, a local funeral service business. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and a limited number of discretionary separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and maintains oversight of its model portfolios, operating primarily under a tiered wrap-fee structure.

Daniel Van Meter is a Series 66-licensed advisor with LPL Financial in Little Falls, NY. He has been in the industry since 2024, previously working at Cadaret, Grant & Co., Inc., and spent four years at Siena College. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of advisors and various operational tools.

Jay Scienza is a financial advisor with LPL Financial in Herkimer, NY, holding Series 63 and Series 66 registrations and bringing 19 years of industry experience. His prior roles include positions at NBT Bank, Bank of America, Merrill, and Key Investment Services. 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 model portfolio programs and institutional platforms, supported by a large network of investment adviser representatives.

Jonathan Fredericks is a financial advisor with Ameriprise who holds a Series 66 designation and has 21 years of industry experience. He has been with Ameriprise and its affiliates since 2005. Outside of his advisory role, he serves on the Dolgeville Central School Board of Education. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm provides a range of advisory, brokerage, and insurance solutions through affiliated companies, with a structured approach that includes algorithmic tools and tax-efficient strategies.