Brian Voss is the principal advisor at Voss Wealth Management in Endicott, NY, with 23 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at NBT Capital Management Inc. and LPL Financial. Voss serves as a board member of Dollars for Scholars, where he helps coordinate scholarship scoring. Voss Wealth Management serves individuals and high-net-worth clients, offering both discretionary and non-discretionary investment management alongside financial planning. The firm uses diversified, risk-based model portfolios primarily composed of no-load mutual funds and ETFs, with tailored strategies based on clients’ financial situations and goals.

Walter Girnis is a financial advisor at Faithward Advisors, LLC with 25 years of industry experience. He holds Series 63, 65, and 66 licenses and has worked at firms including American Portfolios Financial Services, Cardinal Financial Partners, and IBN Financial Services. Outside of his advisory role, he owns a property and casualty, fixed rate life, and annuities insurance business. Faithward Advisors provides personalized investment advisory services to individuals, non-profit organizations, pension and profit-sharing plans, trusts, estates, and business entities. The firm uses Modern Portfolio Theory combined with fundamental, quantitative, and qualitative analysis, and offers a Biblically Responsible Investing policy aligned with Christian values.

Merri Benjamin is a financial advisor with Faithward Advisors, LLC, holding Series 63 and Series 65 designations and 15 years of industry experience. She has worked at several firms including New York Life Insurance Company, NYLIFE Securities LLC, American Portfolios Financial Services, Inc., and Ambassador Advisors, LLC. Outside of her advisory role, she is a Certified Divorce Financial Analyst providing individual and marital property calculations for divorce cases and also serves as a public notary. Faithward Advisors serves individual investors, retirement plans, trusts, estates, non-profit organizations, and related donors, managing approximately $1.05 billion in client assets across about 3,000 client relationships. The firm employs a multi-team advisory approach based on Modern Portfolio Theory and efficient-frontier modeling, offering discretionary portfolio management, financial planning, estate management, and pension consulting, with a focus on mutual funds, ETFs, REITs, and occasionally individual securities.

William Scanlon Jr. is a financial advisor with Latitude Advisors, LLC, holding Series 63 and Series 65 credentials and 28 years of industry experience. His career includes roles at Ameriprise Financial Services, LLC, GWN Securities Inc., and his own practice, William J. Scanlon, Jr. He has been with Latitude Advisors since 2011. Latitude Advisors serves individuals, high-net-worth clients, and various institutional and corporate clients, including pension and profit-sharing plans, trusts, and charitable organizations. The firm offers financial planning, discretionary portfolio management using both in-house and third-party models, and pension consulting services.

Emil Bielecki is a financial advisor with Ashton Thomas Securities, LLC, holding a Series 63 designation and bringing 44 years of industry experience. He has been with Excel Securities & Associates, Inc. since 2009. Outside of his advisory role, Emil serves as a Town Clerk in the Town of Vestal. Ashton Thomas Securities, LLC serves individuals, business entities, trusts, estates, and charitable organizations, managing approximately $1.72 billion for around 2,600 clients. The firm offers discretionary and non-discretionary portfolio management, financial planning, retirement plan consulting, and utilizes a range of investment models and third-party managers tailored to client profiles.

Alexandra Richey is a financial advisor at Gradient Securities, LLC with four years of industry experience. She holds the Series 66 designation and has previously worked at LPL Financial and Citizens & Northern Bank. Outside of her advisory role, she serves as a volleyball bookkeeper for the Troy Area School District and works part-time at Dunkin Donuts. Gradient Securities, LLC provides financial planning, consulting, and non-discretionary asset management services to individuals, retirement plans, trusts, and business entities. The firm emphasizes a non-discretionary investment approach, combining fundamental, technical, and cyclical analysis, often utilizing third-party managers and ongoing client reviews.

Joshua Fallenstein is a financial advisor at Gradient Securities, LLC with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has been involved with Gradient Securities since 2014. Outside of his advisory role, he manages tax preparation and insurance businesses under the Freedom Financial umbrella and serves on the membership committee of a local business networking organization. Gradient Securities, operating as Gradient Wealth Management, offers financial planning, consulting, non-discretionary asset management, and ERISA 3(21) retirement-plan advisory services to individuals, trusts, estates, and business entities. The firm emphasizes a non-discretionary investment model and integrates fundamental, technical, and cyclical analysis, often utilizing third-party managers while maintaining disclosure of affiliated revenue-sharing arrangements.

Todd Kross is a financial advisor with CreativeOne Wealth, LLC, holding Series 63 and Series 65 credentials and 20 years of industry experience. He has worked at multiple firms including M & T Securities, Inc. and Wise Wealth, LLC. In addition to his advisory role, he serves as President and CEO of Kross Financial Services, focusing on alternative investment products. CreativeOne Wealth, LLC provides fee-based asset management and financial planning services to individuals, corporations, and other RIAs, utilizing a mix of proprietary and third-party model portfolios. The firm employs various investment methods, including modern portfolio theory and quantitative analysis, and offers clients diversified portfolios that may include ETFs, mutual funds, options, and private investments.

Matthew Adler is a financial advisor with Ashton Thomas Securities, LLC, holding Series 63 and Series 66 licenses and bringing 43 years of industry experience. He has worked concurrently at Cheevers Hand & Angeline and Excel Securities & Associates, Inc. since 2009 and has been associated with John Hancock Mutual Life Insurance Co. since 1981. Adler also serves as president and insurance agent at Cheevers Hand & Angeline, focusing on non-variable insurance sales and service. Ashton Thomas Securities, LLC serves individuals, business entities, trusts, estates, and charitable organizations, managing approximately $1.72 billion for around 2,600 clients. The firm offers discretionary and non-discretionary portfolio management, financial planning, retirement plan consulting, and utilizes a range of investment models and third-party sub-advisers tailored to client profiles.

Thomas Surowka is a Series 63 licensed advisor with Kestra Advisory Services, LLC, bringing 42 years of industry experience. He has worked with Kestra since 2016 and is also employed as Senior Director at NFP Corporate Services (NY), overseeing sales and marketing. Outside his advisory work, Surowka serves as president of the Lake Chrisann Community Association, where he participates in efforts related to lake water quality and compliance. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a broad mix of institutional and individual clients, offering services that include fiduciary consulting, plan design, and employee education. The firm serves very large institutional investors and offers a variety of management platforms and third-party solutions.

Richard Bulger is a CFP® professional with 47 years of industry experience. He has been with Commonwealth Financial Network since 2003. Outside of his advisory role, he is president and sole owner of Benefit Consultants Inc., a third-party administrator providing design, installation, and administration services for qualified plans. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm offers a variety of advisory programs and services, including wealth management and retirement plan consulting, and supports affiliated advisors with operations, trading, technology, investment management, and compliance.

William Reynolds Jr. is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 66 credentials and bringing 33 years of industry experience. He has worked at Key Investment Services since 2016, following prior roles at LPL Financial and HSBC Securities (USA) Inc. Outside of his advisory work, Reynolds is involved in a real estate rental business. Key Investment Services LLC is an SEC-registered investment adviser that offers portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional plan clients through a network of financial professionals. The firm uses a multi-provider model with discretionary implementation by Envestnet and offers various wrap programs alongside custodial and trade execution services.

Robert Kline is a CFP® professional with 32 years of experience in the financial services industry. He has been with Kestra Advisory since 2016 and Kestra Investment Services, LLC since 2010. In addition to his advisory role, Kline serves as a Notary Public in New York, providing services to his clients. Kestra Advisory Services offers investment advisory and retirement-plan consulting to a wide range of institutional and individual clients. The firm provides fiduciary consulting, plan design, employee education, and access to multiple management platforms, serving clients that include large institutional investors and sovereign wealth funds.

Daniel Tucker is a financial advisor with Commonwealth Financial Network, holding a Series 63 designation and 27 years of industry experience. He has been with Tucker Haskins and Associates and Commonwealth Financial Network since 2005. Tucker is also president and co-owner of Tucker-Haskins, Inc., an entity engaged in securities and insurance business. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, providing a range of advisory programs and services including wealth management, retirement plan consulting, and access to third-party asset managers. The firm supports advisors with operations, trading, technology, investment management, compliance, and practice management.

Michael Rabideau is a financial advisor at Key Investment Services LLC with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Key Investment Services and KeyBank since 2016. Key Investment Services LLC is an SEC-registered investment adviser that provides portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional plan clients through a network of financial professionals. The firm uses a multi-provider model for discretionary implementation and offers multiple wrap programs with custodial and trade execution services.

James Haskins is a financial advisor with Commonwealth Financial Network in Vestal, NY, holding a Series 63 designation and 32 years of industry experience. He has worked at Tucker Haskins & Associates and Commonwealth Financial Network since 2005. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, providing a range of advisory programs, wealth management, and retirement plan consulting. The firm supports affiliated advisors with operations, trading, technology, investment management, compliance, and practice-management services.

Kevin Vestel is a financial advisor with Edward Jones, holding a Series 63 designation and 21 years of industry experience. He has been with Edward Jones since 2004. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets through a network of more than 23,700 financial advisors and offers a range of discretionary and non-discretionary advisory strategies under a fiduciary standard.

Stephanie Kilb is a financial advisor with Ameriprise in Vestal, NY, holding a Series 66 designation and three years of industry experience. She has been with Ameriprise since 2011. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on written recommendation reports and ongoing retirement-income planning advice that emphasizes dependable income sources and tax-aware withdrawal strategies.

Kahlil Adames is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 24 years of industry experience. His career includes roles at Cadaret, Grant & Co., Bank of America, Merrill, HSBC Securities, and Chase Investment Services. He is currently involved with Visions Analysis LLC and Visions Federal Credit Union alongside his work at LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management solutions, utilizing both proprietary and third-party strategies, and supports its advisors with advanced operational and research tools.

Frank Kramer is a financial advisor at LPL Financial with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cadaret, Grant & Co., Inc. for 31 years and at his own firm, F.E. Kramer Associates, Inc., for over two decades. He is also involved in insurance sales, focusing on life, long-term care, and fixed annuity products. 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 financial planning and portfolio management services, utilizing model portfolios, third-party subadvisors, and customized strategies.