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.

Damien Mustico is a financial advisor with The Mustico Financial Group, Inc. in Elmira, NY, holding Series 63 and Series 65 licenses and having 21 years of industry experience. He previously worked at FSC Securities Corporation, Inc. for 12 years before joining The Mustico Financial Group and Mutual Securities, Inc. in 2017. His outside activities include operating independent insurance agencies and providing trust and estate planning referrals through affiliated law firms. The Mustico Financial Group provides discretionary investment supervisory services and individualized portfolio management to a diverse client base including high-net-worth individuals, pension plans, and charities. The firm employs fundamental analysis and both long- and short-term strategies, managing about $316 million in assets across approximately 460 client relationships.

Xavier Mustico is a financial advisor with The Mustico Financial Group, Inc. in Elmira, NY, holding CFP® and Series 66 credentials with seven years of industry experience. Prior to his current role beginning in 2020, he worked at Bank of America and Merrill. He serves on the board of Elmira Downtown Development, Inc., a nonprofit organization. The Mustico Financial Group provides discretionary investment supervisory services, portfolio management, and financial planning to individuals, including high-net-worth clients, as well as pension plans, charities, and other entities. The firm employs client-specific written investment guidelines, fundamental analysis, and both long- and short-term strategies, managing approximately $316 million across around 460 client relationships.

Michael Mustico is an advisor with The Mustico Financial Group, Inc. in Elmira, NY, holding Series 63 and Series 65 designations with two years of industry experience. He has been a managing partner at The Mustico Financial Group and a practicing attorney under the name Michael Mustico, Esquire since 2002. Outside of advisory services, he is a minority managing partner in a local real estate holding company that owns the building housing his firm. The Mustico Financial Group provides discretionary investment supervisory services, portfolio management, financial planning, and consulting to individuals, pension plans, charities, and other entities. The firm manages over $316 million across approximately 460 clients, employs fundamental analysis, and utilizes both long- and short-term strategies tailored to client-specific guidelines.

Elizabeth Mustico is a financial advisor at The Mustico Financial Group, Inc. with a Series 65 credential and one year of industry experience. She has been affiliated with The Mustico Financial Group since 2021. The Mustico Financial Group provides discretionary investment supervisory services, portfolio management, financial planning, and consulting to individuals, pension plans, charities, and other entities. The firm manages approximately $316.5 million across about 460 clients, using client-specific investment guidelines and a mix of long- and short-term strategies.

Sarah Collier is a financial advisor at John G. Ullman & Associates, Inc. with one year of industry experience. She holds a Series 65 designation and has worked at the firm since 2018. Her previous roles include legal positions and work with the NYS Department of Agriculture. John G. Ullman & Associates, Inc. provides discretionary investment management and comprehensive financial planning to individuals, high-net-worth clients, charitable institutions, foundations, trusts, and U.S. corporations. The firm manages over $1.38 billion in assets, focusing on balanced, value-oriented portfolios with low-to-moderate risk allocations tailored to clients’ goals.

Joseph Ashton is a financial advisor at John G. Ullman & Associates, Inc., holding a Series 65 designation with two years of industry experience. Prior to joining the firm, he held positions at Community Bank NA, Corning Credit Union, and various other employers. John G. Ullman & Associates, Inc. provides discretionary investment management and comprehensive financial planning to individuals, high-net-worth clients, charitable institutions, foundations, trusts, and U.S. corporations. The firm emphasizes balanced, value-oriented portfolios with a focus on low-to-moderate risk allocations and employs fundamental and technical analysis tailored to clients’ goals.

Lynda Lander is a CFP® professional at John G. Ullman & Associates, Inc. with nine years of experience, including four years at Walgreens Pharmacy prior to joining her current firm. She is based in Horseheads, NY. John G. Ullman & Associates serves individual and high-net-worth clients as well as charitable institutions, foundations, endowments, trusts, and U.S. corporations, typically managing relationships with at least $250,000 in assets. The firm combines discretionary portfolio management with financial planning, using a value-based investment approach focused on strategic asset allocation and individual security selection.

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.

Kathryn Gerwig is a CFP® with 11 years of industry experience, currently working with John G. Ullman & Associates, Inc., where she has been part of the team since 1987. The firm provides discretionary investment management and comprehensive financial planning to individuals, high-net-worth clients, charitable institutions, foundations, trusts, and U.S. corporations. They focus on balanced, value-oriented portfolios with a low-to-moderate risk approach, generally serving clients with at least $250,000 in investable assets.

Daniel Coakwell is a financial advisor at John G. Ullman & Associates, Inc., holding a Series 65 designation with one year of industry experience. Prior to his current role, he was affiliated with Colgate University, Ithaca College, and Yale University. Outside of finance, he has worked as a professional classical singer and vocalist since 1999, performing as a freelance tenor with various music organizations. John G. Ullman & Associates serves individual and high-net-worth clients as well as charitable institutions, foundations, endowments, trusts, and U.S. corporations. The firm combines discretionary portfolio management with financial planning, focusing on value-based investment analysis and managing portfolios primarily at the family level with an emphasis on low-to-moderate risk positions.

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.

Lisa Caracci is a financial advisor at John G. Ullman & Associates, Inc with a Series 65 designation and two years of industry experience. Prior to joining John G. Ullman & Associates, she worked at Hardinge, Inc and was involved with Steuben County Habitat for Humanity for nine years. John G. Ullman & Associates serves individual and high-net-worth clients as well as charitable institutions, foundations, endowments, trusts, and U.S. corporations, generally focusing on relationships with at least $250,000 in assets. The firm combines discretionary portfolio management with financial planning, applying a value-based investment approach that emphasizes strategic asset allocation and individual security selection.

Jase Merrill is a financial advisor at John G. Ullman & Associates, Inc. He holds a Series 65 designation and has two years of industry experience. Prior to joining John G. Ullman & Associates in 2021, he worked at WB Mason and Merrill Business Products. John G. Ullman & Associates serves individual and high-net-worth clients, as well as charitable institutions, foundations, endowments, trusts, and U.S. corporations, typically managing accounts with at least $250,000 in assets. The firm combines discretionary portfolio management with financial planning, emphasizing value-based investment analysis and risk-segmented portfolio management.

Andrew Baron is a CFP® professional with nine years of industry experience, currently serving at John G. Ullman & Associates, Inc. since 2017. Prior to this, he worked at Pruco Securities LLC and The Prudential Insurance Company of America from 2014 to 2017. John G. Ullman & Associates, Inc. provides discretionary investment management and comprehensive financial planning for individuals, high‑net‑worth clients, charitable institutions, foundations, trusts, and U.S. corporations. The firm focuses on balanced, value‑oriented portfolios with a low‑to‑moderate risk approach and manages over $1.38 billion in assets across more than one thousand client families.

Jakob Brost is a financial advisor at John G. Ullman & Associates, Inc. with two years of industry experience. He holds a Series 65 credential and previously worked at Lake Road Advisors. Outside of finance, he has experience in the brewing industry with Liquid Shoes Brewing. John G. Ullman & Associates serves individual and high-net-worth clients as well as charitable institutions, providing discretionary portfolio management and financial planning. The firm emphasizes value-based investment analysis, managing portfolios primarily at the family level with a focus on low-to-moderate risk.

Logan Dibble is a financial advisor at John G. Ullman & Associates, Inc. He holds a Series 65 credential and has experience in both financial services and academia, including roles at First Heritage Federal Credit Union, Guthrie & Company, PC, and teaching positions at Slippery Rock University and Mansfield University. John G. Ullman & Associates serves individual and high-net-worth clients, as well as charitable institutions and corporations, generally working with relationships of at least $250,000 in assets. The firm combines strategic asset allocation with individual security selection, focusing on value-based analysis and managing portfolios with an emphasis on low- to moderate-risk positions.

Shawn Twigg is a CFP® with five years of industry experience, currently serving as a financial advisor at John G. Ullman & Associates, Inc. He previously worked at Cetera Investment Advisers LLC and Comprehensive Financial Group among other firms. Outside of his advisory role, he is involved in logging and timber harvesting as a part-time equipment operator. John G. Ullman & Associates serves individual and high-net-worth clients, as well as charitable institutions and corporations, generally focusing on relationships with at least $250,000 in assets. The firm combines discretionary portfolio management with financial planning, emphasizing value-based investment analysis and managing portfolios primarily at a family level with a focus on low-to-moderate risk.

Alexander Chacho is a financial advisor at John G. Ullman & Associates, Inc. He holds a Series 65 designation and has been with the firm since 2022. Prior to that, he worked at Corning Credit Union and H&R Block. John G. Ullman & Associates, Inc. provides discretionary investment management and comprehensive financial planning to individuals, high-net-worth clients, charitable institutions, foundations, trusts, and U.S. corporations. The firm focuses on balanced, value-oriented portfolios with low-to-moderate risk allocations and manages over $1.38 billion in client assets.

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.