Michael Dinich is the sole advisor at Your Money Matters Wealth Management, LLC in Sayre, PA, holding Series 63 and Series 65 licenses with 18 years of industry experience. He has operated Your Money Matters since 1990 and owns Heritage Beef and Cattle Co., where he is involved in cattle breeding and sales. Dinich also manages an estate planning business as a side activity. Your Money Matters Wealth Management provides personalized financial planning and discretionary portfolio management primarily for individuals and trusts. The firm serves a very small client base, uses a range of investment strategies guided by client objectives, and also arranges and monitors third-party money manager relationships.

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 three years of industry experience. She holds a Series 66 designation and has worked at firms including LPL Financial and Citizens & Northern Bank. Outside of advising, she serves as a volleyball bookkeeper for the Troy Area School District. Gradient Securities, doing business as Gradient Wealth Management, provides financial planning, consulting, non-discretionary asset management, and ERISA plan services to a diverse client base including individuals, trusts, and corporations. The firm operates as both an SEC-registered investment adviser and a FINRA-registered broker-dealer, with a notable focus on third-party manager referrals and non-discretionary advice.

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 with Equitable Advisors in Waverly, NY, holding a Series 66 designation and eight years of industry experience. He has been with Equitable Advisors since 2017 and previously worked at AxA Advisors. Outside of his advisory role, he serves as a wrestling coach in Waverly. Equitable Advisors serves a wide range of clients including individual investors, retirement plan sponsors, corporations, and charitable organizations, offering financial planning and access to asset management through third-party programs. The firm operates a hybrid referral and implementation model, combining advisory and brokerage services with tailored client plans.

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.

Michael Chambers is a financial advisor with LPL Financial, holding a Series 63 designation and 43 years of industry experience. He has been associated with Linsco / Private Ledger Corp. since 2004. Chambers operates a business under the name North Branch Financial Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services with various management options and research support.

Jenny Payne is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and over 26 years of industry experience. She has worked with Raymond James since 2004 and previously with Richard A. Pascoe Financial Services. Outside of advisory work, Payne is the owner and proprietor of Brenchley's Lake CampGround in Rome, PA, and serves in a political role with Rome Township. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm offers tailored, non-discretionary planning and supports a broad network of advisors with tools that incorporate risk profiling and probabilistic modeling.

Derek Gowan is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 13 years of industry experience. He has been with LPL Financial since 2012 and previously served in roles with the Community Foundation for the Twin Tiers and the Sayre Elks Lodge. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and research services.

Brittanie Ockerhausen is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. Her prior roles include long tenure at Scottrade and positions at TD Ameritrade, Rileyo Aerospace, and Citizens & Northern Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, with access to model portfolios, third-party research, and various portfolio management options.

David Stearns is a financial advisor at LPL Financial with a Series 66 designation and three years of industry experience. He previously worked at The Prudential Insurance Company of America and Pruco Securities LLC, and spent ten years at Aldi Inc. Outside of his advisory role, Stearns is involved with Robbins Financial, an insurance and financial services business affiliated with his LPL activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and consulting services.

Courtney Steckiel is a CFP® with 15 years of industry experience, currently with Raymond James Financial Services Advisors, Inc. since 2017. Prior to this, Steckiel worked at LPL Financial and First Citizens National Bank. Outside of financial advising, Steckiel is involved with doTERRA International, a role held since 2014, and supports client activities and compliance at JP Financial. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, institutions, and charitable organizations. The firm employs tailored, non-discretionary planning and advanced analytical tools to support client goals and offers specialized programs including municipal and public-finance advisory services.

William Gowin is a financial advisor at LPL Financial with a Series 66 credential and one year of industry experience. His background includes roles at First Citizens Community Bank and Commonwealth University of Pennsylvania, along with six years at Canton Area Junior Senior High School. 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 provides a range of financial planning and advisory programs supported by research and diversified strategies.

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 credentials and bringing 20 years of industry experience. His prior roles include positions at KeyBank and Key Investment Services LLC. He also serves as a notary in Owego. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs and financial planning services, combining discretionary and non-discretionary management with model portfolios and research from multiple sources.

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.