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® certificant with nine years of industry experience. He has worked with Morgan Stanley, Bankers Life, and Charles Schwab firms, currently serving at Schwab Wealth Advisory. Reyes holds a Series 66 license and is based in Caroga Lake, NY. Schwab Wealth Advisory, Inc. offers non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm utilizes Schwab’s asset allocation models and research tools to provide investment recommendations, conducts annual account reviews, and operates as an internal advisory unit within the Schwab ecosystem.

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 financial advisor at LPL Financial with Series 66 credentials and has been working in the industry since 2024. Prior to joining LPL Financial in 2025, he was with Cadaret, Grant & Co., Inc. and completed his education at Siena College. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

Jay Scienza is a financial advisor with LPL Financial based in Herkimer, NY, holding Series 63 and Series 66 licenses with 19 years of industry experience. His prior work includes roles at Bank of America, Merrill, and Key Investment Services. In addition to his advisory duties, he is involved with NBT Insurance Agency, providing non-variable insurance services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, supported by model portfolios, third-party subadvisors, and technology-driven investment approaches.

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.