Michael Dinich is the managing member of Your Money Matters Wealth Management, LLC and holds Series 63 and Series 65 licenses. He has 19 years of experience in the financial industry and has been involved with Your Money Matters since 1990. Outside of financial services, he owns Heritage Beef and Cattle Co., a cattle breeding and sales business. Your Money Matters Wealth Management, LLC provides personalized financial planning and discretionary portfolio management primarily for individuals and trusts. The firm maintains a small client base, offering tailored investment strategies and coordinating third-party money manager relationships as appropriate.

Andrew Cartwright is a financial advisor with Valicenti Advisory Services Inc. He holds a Series 65 designation and has worked in the financial industry for 14 years, including his current role at Valicenti Advisory Services since 2012. Prior to this, he was employed by the Corning Painted Post Area School District for 13 years. Valicenti Advisory Services, Inc. provides discretionary investment management and financial planning to individuals, businesses, trusts, estates, charitable organizations, and retirement plans. The firm uses a top-down, Modern Portfolio Theory approach and offers additional services such as tax preparation, bookkeeping, payroll, and insurance products through an affiliated agency.

Joseph Valicenti is the sole advisor at Valicenti Advisory Services Inc. in Elmira, NY, with 18 years of experience at the firm he founded. He holds relevant credentials and has developed his practice primarily through Valicenti Advisory Services since 2008. Valicenti Advisory Services provides discretionary investment management and financial planning to individuals, business entities, trusts, estates, charitable organizations, and retirement plans. The firm employs a top-down, Modern Portfolio Theory approach and complements its investment services with in-house tax preparation, bookkeeping, payroll, and affiliated insurance offerings.

Louis Ruize is a financial advisor with Valicenti Advisory Services Inc. in Elmira, NY. He holds five years of industry experience and has been with Valicenti Advisory Services since 2016. Valicenti Advisory Services, Inc. provides discretionary investment management and financial planning to individuals, trusts, business entities, charitable organizations, and retirement plans. The firm employs a top-down, Modern Portfolio Theory approach and complements its investment services with in-house tax preparation, bookkeeping, payroll, and insurance offerings.

Jeffrey Naylor is a financial advisor at Valicenti Advisory Services Inc with 4 years of industry experience. He has been with Valicenti Advisory Services since 2005. Valicenti Advisory Services, Inc. provides discretionary investment management and financial planning to a range of clients including individuals, trusts, estates, and business entities. The firm combines portfolio management with ancillary services such as tax preparation, bookkeeping, and insurance products through its affiliated agency.

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.

Sarah Carr is a CFP® with six years of industry experience, currently serving as a financial advisor at Belpointe Asset Management LLC since 2020. She also provides financial wellness coaching and is involved with the Financial Therapy Association, which bridges financial planning and cognitive behavioral therapy. Additionally, she serves as board chair of the RReclamation Collective, a nonprofit focused on education and advocacy for those affected by religious harm, and acts as treasurer for Endless Mountains Pride, supporting LGBTQ+ community initiatives. Belpointe Asset Management serves a diverse client base including individual investors, retirement plans, and corporations, offering discretionary investment management, financial planning, and retirement plan consulting. The firm employs customized portfolios with a range of strategies and supports a variety of affiliated businesses and product sponsorships alongside its advisory services.

Brandon Walker is a financial advisor at Equitable Advisors with nine years of industry experience. He holds the Series 66 designation and has worked at Equitable Advisors since 2017, previously associated with AxA Advisors. Outside of his advisory role, he coaches wrestling in Waverly, NY. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm delivers its services through a network of Investment Adviser Representatives and utilizes a range of advisory models implemented by third-party managers and LPL-sponsored programs.

Patrick Ousterout is a CFP® professional with 12 years of industry experience, currently serving as a financial advisor at Edward Jones since 2013. He also has a concurrent role at Pella Windows & Doors. 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 strategies supported by a large nationwide network of advisors and branches.

Joshua Palmer is a financial advisor with LPL Financial in Elmira, NY, holding a Series 63 credential and over 20 years of industry experience. He previously worked at Cadaret, Grant & Co., Inc. for 13 years and has been associated with Swan & Sons-MORSS Co., Inc. since 2005. Palmer is involved in the Elmira City School District in a government-related capacity. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm supports its advisors with access to model portfolios, third-party asset management, and a variety of investment strategies, while also providing related financial services such as insurance and credit products.

Michael Chambers is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 43 years of industry experience. He has been associated with Linsco / Private Ledger Corp. since 2004 and operates under the DBA North Branch Financial Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services, including financial planning, model portfolio programs, and access to third-party asset management, supported by a large network of investment adviser representatives and advanced operational tools.

John Coulombe is a CFP® with 14 years of industry experience and currently serves as a financial advisor at LPL Financial in Spencer, NY. His prior roles include positions at Morgan Stanley and Equitable Advisors. He is also involved with Specific Solutions, Inc., a separate business focused on non-variable insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services through a large network of representatives to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolios, third-party asset management, and institutional platforms.

Derek Gowan is a financial advisor with LPL Financial in Sayre, PA, holding a Series 66 designation and 13 years of industry experience. He has been with LPL Financial since 2012 and previously served with the Community Foundation for the Twin Tiers and the Sayre Elks Lodge #1148. 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 financial planning and model portfolio programs, supported by a large network of investment adviser representatives.

Brittanie Ockerhausen is a financial advisor with LPL Financial in Sayre, PA, holding Series 63 and Series 66 designations and 19 years of industry experience. Her prior work includes roles at SCOTTRADE, TD Ameritrade, Rileyo Aerospace, and Citizens & Northern Bank. 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 wide range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

David Stearns is a financial advisor with LPL Financial in Sayre, PA, holding a Series 66 designation and three years of industry experience. His prior work history includes roles at Citizens & Northern Bank, The Prudential Insurance Company of America, and Aldi Inc. He is also involved in an insurance and financial services business under the name Robbins Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a broad range of advisory tools and extensive non-advisory financial services.

William Gowin is a financial advisor with LPL Financial, holding a Series 66 designation. He has experience working at Commonwealth University of Pennsylvania and First Citizens Community Bank, as well as in education at Canton Area Junior Senior High School. 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 advisory services and investment strategies supported by research and technology, with oversight of over $819 billion in discretionary assets across more than 22,800 advisors.

Bradley Sparbanie is a financial advisor at LPL Financial in Elmira, NY, holding Series 63 and Series 65 licenses with six years of industry experience. His prior experience includes roles at NYLIFE Securities LLC, New York Life Insurance Company, Eagle Strategies LLC, and Cadaret, Grant & Co., Inc. 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 financial planning, model portfolios, third-party asset management, and institutional platforms.

Jason Glowski is a financial advisor at Edward Jones with 13 years of industry experience. He previously worked at LPL Financial for six years before joining Edward Jones in 2018. He holds a Series 63 designation. Outside of his advisory role, Glowski serves as a board member for Grace Christian Academy in Ulster, PA. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of discretionary and non-discretionary investment strategies, including separately managed accounts and affiliated mutual funds.

Conor Hogan is a financial advisor with LPL Financial in Owego, NY, holding Series 63 and Series 66 licenses and totaling 20 years of industry experience. His prior roles include positions at KeyBank and its investment services affiliates. Hogan also serves as a notary in Owego. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Gregory Burns is a financial advisor with Raymond James Financial, holding a Series 66 designation and 15 years of industry experience. He previously worked at Cantella & Co., Inc. for six years before joining Raymond James Financial Services Advisors, Inc. in 2022. Burns is also involved as an independent contractor with Entrust Wealth Management and is a partner in a family-owned business. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and charitable clients. The firm offers tailored, non-discretionary planning and advisory programs and supports municipal and public finance work through unique affiliations.

Joseph Ferri is a CFP® professional with 25 years of experience, currently serving as a financial advisor at Ameriprise since 2020. He worked at Ameriprise Financial Services, Inc. for 15 years prior to that. Outside of his advisory role, he is involved in business ownership related to establishing a defined benefit pension plan for an office building LLC in Owego, NY. Ameriprise is an institutional firm offering a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets. The firm provides a range of advisory, brokerage, and insurance solutions, using a combination of research, modeling, and tax-efficiency analysis to generate personalized retirement income recommendations.