Jon Orcutt is a financial advisor at AFL Advisory Group LLC with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has been with AFL Advisory Group since 2013. Outside of advising, he writes a subscription-based investment newsletter through his company, Allocation for Life, which he started in 2011. AFL Advisory Group LLC is an independent firm managing approximately $25.1 million for around 73 clients, including individuals, high-net-worth clients, pension and profit-sharing plans, and charitable organizations. The firm uses a combination of fundamental and cyclical analysis with modern portfolio theory, employing long-term trading alongside tactical and strategic allocation.

Dana Cornell is a CFP® with 17 years of industry experience and is currently the sole advisor at Lincoln Park Capital LLC. Prior to this, Dana worked at Morgan Stanley for 12 years and has held roles at several other firms including Uniting Wealth Partners, LLC and BV Securities. Dana is also involved with Cornell Capital Holdings LLC, an affiliated entity. Lincoln Park Capital LLC is an SEC-registered investment adviser that provides discretionary portfolio management to private wealth clients, qualified retirement plans, companies, and institutional clients. The firm employs a tactical asset allocation strategy with model portfolios tailored to client goals and risk tolerance, incorporating a mix of charting, fundamental, technical, and cyclical analysis.

Kyle Kirk is a CFP® certificant with five years of industry experience, currently serving as a financial advisor at Uniting Wealth Partners. His prior roles include positions at Ameriprise Financial Services and Northwest Bank. Kirk is active in his community, holding board memberships with the McKean County Community Foundation and Beacon Light Adult Residential Services, and participates in scholarship award decisions through the Peyton Kirk Memorial Scholarship. Uniting Wealth Partners provides wealth management, financial planning, and consulting services to individuals, high-net-worth clients, trusts, estates, businesses, and charitable organizations. The firm employs a diversified investment approach using mutual funds, ETFs, and other securities, with a focus on long-term strategies and ongoing oversight.

Dylan Vincent is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and three years of industry experience. He previously worked at Edward Jones and Cedarwood Financial Partners. Outside of his advisory role, Dylan serves as a baseball coach at Olean High School. Commonwealth Financial Network supports a national network of approximately 2,950 advisors, providing a range of advisory programs and services including wealth management, retirement plan consulting, and discretionary model portfolios. The firm offers operational, trading, technology, compliance, and practice-management support to affiliated advisors.

Aaron Vincent is a financial advisor at Commonwealth Financial Network with a Series 66 designation. He has been with Commonwealth and Cedarwood Financial Partners since 2024. Prior to his advisory career, he held teaching positions at Jamestown Community College, Olean High School, and Portville Central School. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of around 2,900 advisors and hundreds of thousands of clients, managing approximately $212.7 billion in assets. The firm provides a broad adviser-support platform including managed-account programs, access to third-party asset managers, retirement and plan consulting, and custody services.

Troy Vincent is a financial advisor with Commonwealth Financial Network and Cedarwood Financial Partners, holding Series 63 and Series 66 credentials and 21 years of industry experience. He previously worked at Edward Jones for 15 years. Vincent is also co-owner of Cedarwood Financial Partners, LLC. Commonwealth Financial Network serves a national network of nearly 2,900 advisors and manages over $212 billion in client assets. The firm provides a broad adviser-support platform that includes managed-account programs, access to third-party asset managers, retirement and plan consulting, and custody and clearing services.

Timothy Hall is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and seven years of industry experience. He has previously worked at Edward Jones and Southern Tier Electric Supply. Hall is a co-owner of Cedarwood Financial Partners, LLC, where he dedicates full-time effort, and he is also involved in fixed insurance sales. Commonwealth Financial Network serves a national network of approximately 2,950 advisors, providing a range of advisory programs and back-office support. The firm offers discretionary portfolio management, a variety of investment solutions, and technology and compliance services to affiliated advisors.

Lucas Burton is a financial advisor at Cetera with 17 years of industry experience. He holds a Series 66 designation and has previously worked with Lincoln Park Capital LLC and Lincoln Financial Securities Corporation. In addition to his advisory role, Burton owns a tax services business and serves as trustee for a family trust. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a large network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through a multi-manager platform that includes model portfolios, third-party managers, and bespoke strategies.

Joseph Neff is a financial advisor at Edward Jones in Bradford, PA, holding CFP® and Series 66 designations with eight years of industry experience. His prior work includes roles at Mindshare and Hearst, as well as a four-year period at Penn State University. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

Sonya Hirt is a financial advisor with Morgan Stanley in Olean, NY, holding a Series 66 designation. She has been with Morgan Stanley since 2023 and previously worked for 26 years at Cutco Cutlery. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individual and institutional clients. The firm provides a variety of advisory programs and financial planning services supported by structured discovery processes and advanced modeling tools.

Zachary Woodel is an Associate Financial Advisor at Ameriprise with two years of industry experience. He has been with Ameriprise since 2022 and previously spent ten years working at Tasta Pizza and Taproom. Outside of his advisory role, he serves on the boards of the Italian Club and the Bradford Chamber Foundation. Ameriprise is a large institutional firm offering a retirement-income planning service aimed at individuals approaching or in retirement with substantial investable assets. The firm provides comprehensive advisory, brokerage, and insurance solutions through affiliated companies, utilizing a centralized consulting team and algorithmic tools to deliver tailored, tax-efficient retirement income recommendations.

Eileen Proto is a financial advisor with Cetera who holds a Series 63 designation and has eight years of industry experience. She has worked in various roles at Cetera and its affiliated entities since 2017. Outside of her advisory work, she is involved in nonprofit governance as a board member of the YMCA Association and serves as secretary on the United Way of Western New York board. Additionally, she operates a local wholesale bakery and manages a nonprofit photography website. Cetera Investment Advisers LLC is an SEC-registered firm that serves a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers diverse portfolio management options through a multi-manager platform, incorporating both affiliated and third-party strategies across discretionary and non-discretionary structures.

John Mclaughlin III is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. His prior experience includes nine years at Stifel Nicolaus & Co Inc before joining Ameriprise in 2020. Outside of his advisory role, he has involvement in commercial real estate ownership. Ameriprise provides retirement-income planning services targeting individuals nearing or in retirement with significant investable assets, delivering written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and offers a broad range of advisory, brokerage, and insurance solutions through its institutional platform.

Sarah Boser is a financial advisor at Cetera with four years of industry experience. She holds the Series 66 designation and has worked at various Cetera entities since 2022. Outside of her advisory role, she serves on the school development committee for Bradford Area Christian Academy and is an auxiliary member of the Frances Sherman Auxiliary to VFW Post 212. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual investors, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services utilizing multiple program structures and a multi-manager platform.

Jillian Pleakis is a financial advisor at Morgan Stanley with 19 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that uses structured discovery and advanced modeling tools.

Ronald Dapolito is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and over 32 years of industry experience. He has been with Cambridge Investment Research Advisors since 2005 and previously operated Ron Dapolito Accounting & Tax for more than 50 years. Outside of advisory work, he serves as a trustee for St. Joseph Church in Olean, NY, and is treasurer and board member of the Olean Teacher/Postal Credit Union. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals utilizing various custody platforms and proprietary and third-party investment strategies.

Linda Maley is a financial advisor with Cetera, holding CFP® and ChFC® designations and over 31 years of experience in the industry. Her career includes roles at Fox Financial and Avantax Investment Services, among others. She is also an enrolled agent providing tax preparation and bookkeeping services through Fox Holdings Inc. Cetera Investment Advisers LLC is an SEC-registered firm that serves a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diverse portfolio management and financial planning services through a multi-manager platform that includes affiliated and unaffiliated third-party managers.

Donna Hollenbeck is a financial advisor at Edward Jones in Bradford, PA, holding the CFP®, ChFC®, and Series 63 designations with 39 years of industry experience. She has been with Edward Jones for 20 years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices nationwide.

John Irving is a financial advisor at Mass Mutual Investors Services with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Mass Mutual Investors Services since 2017, previously spending nine years at Metlife Securities. Irving serves as a board member of the Olean Housing Authority, where he helps maintain organizational policies. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm offers a range of investment and planning programs including educational seminars and event-driven planning such as divorce and estate-settlement services.

Nathan Chapman is a financial advisor at LPL Financial with Series 63 and Series 66 credentials and three years of industry experience. Prior to joining LPL Financial, he held roles at Northwest Bank and in transportation-related positions. He also serves as a Notary Public. 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 advisers. The firm offers a range of advisory programs, financial planning services, and portfolio management options incorporating research from LPL and third-party sources.

Kelly Lent Paul is a financial advisor at Cetera with 28 years of industry experience. She holds the CFP® and ChFC® designations and has worked with several firms including Avantax and Fox Financial. In addition to her advisory role, she provides tax preparation and planning services as a Master Tax Advisor, and offers training and continuing education to other professionals. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting both discretionary and non-discretionary accounts across various program structures.

Stephanie Aloi is a financial advisor with Cetera who holds a Series 63 designation and has eight years of industry experience. Her work history includes roles at Cetera Wealth Services, Avantax Insurance Agency, Fox Financial, and Howden North America. Outside of financial advising, she is involved in tax preparation and bookkeeping through Fox Holdings, Inc. dba H&R Block, and serves as a trustee for a family friend. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager investment platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party managers and program structures.

Craig Ryan is a financial advisor with Equitable Advisors in Olean, NY, holding a Series 66 designation and 22 years of industry experience. He has been with Equitable Advisors since 2003, having also worked with Axa Advisors during that time. Outside of his advisory role, he serves as a board member and treasurer for the Bartlett Country Club in Olean. Equitable Advisors provides financial planning, retirement plan support, and asset management services to individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm employs a hybrid referral and implementation model, utilizing third-party asset managers and offering both advisory and brokerage channels to meet client needs.

Patrick Hollenbeck is a financial advisor with Edward Jones in Olean, NY, holding a Series 66 designation and eight years of industry experience. Prior to joining Edward Jones, he worked at Allegheny College for two years. Outside of his advisory role, he serves as an assistant swim coach at the Bradford Family YMCA, where he teaches swimming techniques to children and teenagers. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm offers a range of advisory programs and investment strategies, supported by a large nationwide network of financial advisors and branch offices.

Tallena Kallenbach is a financial advisor at Morgan Stanley with seven years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients. The firm emphasizes tailored financial planning supported by structured discovery conversations and planning tools, managing approximately $2.74 trillion in client assets.

Courtney Clarke is a Series 66-credentialed advisor with Edward Jones, based in Bradford, PA, who has one year of industry experience. Prior to joining Edward Jones in 2022, Clarke worked at Northwest Bank and operated The Clarke Firm. Outside of financial services, Clarke was involved with Grahams Greenhouse & Landscaping for eight years. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

Subir Barua is a financial advisor at LPL Enterprise with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Prudential Insurance Company of America since 1993. Barua also serves as a Prudential agent specializing in property and casualty insurance. LPL Enterprise serves a wide range of clients, including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, consulting, model wealth portfolios, and third-party asset management, delivering investment advice primarily through its investment adviser representatives.

Pamela Shumway is a financial advisor with Morgan Stanley in Olean, NY, holding a Series 63 designation and bringing 29 years of industry experience. She has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and previously with Citigroup Global Markets starting in 1998. Outside of her advisory role, she has independent contractor roles with companies in the diet and beauty product industries. She is affiliated with Morgan Stanley Wealth Management, which provides a broad range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning services. The firm employs a structured planning process supported by proprietary tools and serves clients through both direct engagements and corporate arrangements.

Kaden Moyer is a CFP® with two years of industry experience, currently advising at Cetera. Prior to his current role, he has worked in various positions including roles at Cetera Wealth Services and Fox Financial. Outside of his financial career, he is involved with J-Allen's Bar and Grill. Cetera Investment Advisers LLC is an SEC-registered firm serving individual clients, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers, supporting both discretionary and non-discretionary account structures.

Thomas Stolberg is a financial advisor with LPL Financial, holding a Series 63 designation and 20 years of industry experience. He previously worked at Cadaret, Grant & Co., Inc. for 17 years and has been involved with Frontier Financial Group, LLC for 20 years. In addition to his advisory work, he maintained a CPA practice for over three decades and spent more than 30 years at SUNY Alfred State 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 and financial planning services supported by research and model portfolios.

Vicky Steffenhagen is a Series 66-licensed financial advisor with Morgan Stanley in Olean, NY, where she has worked since 2012. She has nine years of industry experience. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools such as Secular Return Estimates and Monte Carlo simulations as part of its advisory process.

Nick Lyons is a financial professional at Cetera with two years of industry experience. He holds a Series 66 designation and has previously worked at Edward Jones, Commonwealth Financial Network, Cedarwood Financial Partners, and Northwest Bank. Lyons is the owner of NJL Consulting LLC and Piedmont Financial Partners, through which he provides investment management services. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Corey Haas is a financial advisor with Morgan Stanley in Olean, NY, holding a Series 66 designation and six years of industry experience. His work history includes roles at Morgan Stanley Private Bank, N.A., and Morgan Stanley since 2018, as well as experience outside finance with Haas Contracting and teaching positions at McDaniel College and St. John Fisher College. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs, employing structured financial planning tools and managing approximately $2.74 trillion in client assets.

Kady Weisner is a Series 66-licensed financial advisor at Edward Jones with six years of industry experience. She has worked at Edward Jones since 2015 and has a background that includes time at St. Bonaventure University. 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 strategies supported by a large network of financial advisors and branch offices.

Nathan Higbie is a financial advisor at Ameriprise with one year of industry experience. He holds a Series 66 designation and has prior work experience outside the financial industry, including roles in the food service sector. Ameriprise provides retirement-income planning services for individuals approaching or in retirement, focusing on clients with significant investable assets. The firm offers a range of advisory, brokerage, and insurance solutions through affiliated companies and uses a centralized consulting team to deliver non-discretionary, research-driven retirement income recommendations.

Mark Hendrix is a CFP® professional with 38 years of industry experience, currently serving as an advisor at Cetera. He has held positions at Cetera Wealth Services, TruNorth Financial Advisors, and has owned and operated Both Branch Hendrix Inc. Outside of his advisory role, Hendrix is involved in insurance sales and serves as a board member and finance committee chair for First Presbyterian Church of Portville, NY. He also teaches an undergraduate macroeconomics course at Jamestown Community College. Cetera Investment Advisers LLC is a nationwide SEC-registered firm that supports a large network of independent advisors serving individuals, retirement plans, and institutional clients. The firm offers a multi-manager platform with a variety of portfolio management options and access to third-party money managers.

Paula Derwick is a CFP® certificant with 35 years of industry experience, currently serving at Cetera since 2020. Her career includes long tenures at Avantax Advisory Services and Fox Holdings, Inc., where she has held roles such as president and shareholder. Outside of her advisory work, she serves on several nonprofit boards and is involved in tax consulting and fixed insurance sales. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a wide range of clients, including individuals, retirement plans, and institutional accounts, through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Joseph Colosimo is a financial advisor at Ameriprise with Series 65 and Series 66 credentials and four years of industry experience. His prior work includes roles at CNB Bank and Erie Bank, along with five years in the tire industry at Superior Tire. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning, tax-aware withdrawal strategies, and Social Security claiming options.

Todd Allen is a financial advisor with Morgan Stanley in Olean, NY, holding Series 63 and Series 65 licenses and with 35 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, he serves on the investment committee and board of directors for the Jamestown Community College Foundation. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and extensive asset management capabilities.

Teresa Barie is a CFP® certificant with over 31 years of industry experience. She is currently with Cetera and has previously worked at Avantax Advisory Services and Fox Financial. Outside of her advisory role, she manages tax preparation and bookkeeping services as an office manager and vice president for Fox Holdings, Inc., which operates under H&R Block and Fox Financial Services. Cetera Investment Advisers LLC is an SEC-registered advisor serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a multi-manager platform with a variety of portfolio management options, financial planning, and consulting services.

Louis Proto is a CFP® professional with 27 years of industry experience, currently serving at Cetera since 2023. He has a background that includes founding and owning multiple businesses such as Proto & Loskey LLC, a CPA firm, and Luigi's Pane, a local bakery. Proto also holds roles in several real estate ventures and acts as treasurer for a political campaign organization. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with access to affiliated and unaffiliated managers and provides a variety of investment program options under discretionary and non-discretionary arrangements.

Chadwick Murray is a CFP® professional affiliated with LPL Financial, with 15 years of industry experience. He has worked at LPL Financial since 2018 and has prior experience at Invest Financial Corporation and Community BANK. 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 broad range of financial planning and advisory services, including model portfolios and retirement plan consulting, leveraging both discretionary and non-discretionary management strategies.

Scott Derwick is a CFP®-credentialed financial advisor with 27 years of industry experience, currently with Cetera. His career includes roles at Avantax and Fox Financial, along with work as a business and management consultant. Outside of advising, he is involved in managing a golf simulator business and serves on several local boards, including as vice president of Bartlett Country Club and as a board member of the Olean Schools Foundation. Cetera Investment Advisers LLC serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with diverse portfolio management options, combining discretionary and non-discretionary strategies and access to affiliated and unaffiliated third-party managers.

Meghan Palumbo is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at LPL Financial and M&T Securities Inc. Meghan is based in Olean, NY. Morgan Stanley Wealth Management serves individuals and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.