Joseph O'Haver is the principal of O'Haver Wealth Management, LLC in Newark, NY, with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Sagepoint Financial, Inc. and IBN Financial Services, Inc. in addition to his own firms. Outside of investment advisory, he operates O'Haver Financial, LLC, providing tax preparation, payroll processing, and insurance sales services. O'Haver Wealth Management, LLC offers portfolio management and financial planning to individuals, high-net-worth clients, charitable organizations, and corporate entities. The firm uses client-specific Investment Policy Statements and a combination of charting, fundamental, quantitative, and technical analysis to tailor asset allocation and security selection, focusing on mutual funds, fixed income, ETFs, annuities, and private placements.

Bradley Donner is a financial advisor at CL Wealth Management LLC with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at CL Wealth Management since 2021, previously serving at Cabot Lodge Securities LLC and SB Advisory, LLC. CL Wealth Management LLC is an SEC-registered multi-advisor firm that serves individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and business entities. The firm provides portfolio advisory services, financial planning, referrals to third-party money managers, and client education, tailoring investment strategies to client objectives and risk tolerance through fundamental and technical analysis and custom model portfolios.

Jason Mosher is a financial advisor with Arkadios Wealth Advisors, holding the CFP® designation and Series 63 and 65 licenses. He has 27 years of industry experience, including prior roles at Kalos Management and Sheppard Mosher & Associates. Mosher serves as a council member for the Town of Seneca, NY, participating in municipal governance since 2012. Arkadios Wealth Advisors provides investment and wealth management services to individuals, trusts, businesses, and retirement plans using a range of managed accounts, third-party managers, and financial planning. The firm supports advisors with an internal portfolio team and employs a mix of fundamental, technical, and cyclical analysis across asset classes.

Jason Mosher is a financial advisor with Arkadios Wealth Advisors in Canandaigua, NY. He holds a Series 65 designation and has one year of industry experience. Prior to joining Arkadios, he worked at Sheppard Mosher and held positions outside finance including at Starbucks. He is also involved in insurance and fixed annuity sales. Arkadios Wealth Advisors is an SEC-registered, multi-team firm serving individuals, trusts, businesses, corporations, and retirement plans. The firm offers customized investment plans using a variety of portfolio management options and combines fundamental, technical, and cyclical analysis in its investment approach.

James Durso is a financial advisor at Blackridge Asset Management, LLC with 42 years of industry experience. He holds the Series 63 and Series 65 credentials. His prior work includes roles at Cadaret, Grant & Co., Inc. and Invest Financial Corporation. Outside of advising, he operates a separate financial advisory business and serves as a notary public in New York. Blackridge Asset Management provides financial planning, investment management, and consulting services to individuals, high-net-worth clients, trusts, estates, corporations, retirement plans, and charitable organizations. The firm offers tailored portfolio management through a network of advisers and utilizes affiliated platforms for portfolio management and trading.

Matthew Bennage is a financial advisor with Commonwealth Financial Network, holding the Series 63 designation and bringing 19 years of industry experience. He has held roles at Commonwealth Financial Network since 2015 and previously worked with Weller Group LLC and Weller Financial Group. Bennage is also the owner of MDB Wealth Advisory, LLC, an entity facilitating securities, advisory, and insurance business. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and hundreds of thousands of clients. The firm offers a broad platform including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Nathan Van Bortel is a financial advisor with Commonwealth Financial Network in Canandaigua, NY, holding Series 63 and Series 65 licenses and having 10 years of industry experience. He previously worked at Cetera Investment Services LLC and Canandaigua National Bank. Van Bortel is also the owner of Sarkis Financial Corporation, a private entity that facilitates securities, advisory, and insurance business. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing over $212 billion in client assets. The firm provides a broad advisor-support platform, including managed-account programs, third-party asset manager access, and custody/clearing services.

Wade Sarkis is a financial advisor with Commonwealth Financial Network, holding CFP® and Series 63 credentials and bringing 38 years of industry experience. He has worked at Commonwealth Financial Network since 1997, with a brief transition in 2025, and also maintains roles at Canandaigua Financial Group and Crossbridge Financial. Outside of advising, he manages a private family entity, Sarkis Family Fund, LLC. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, offering a range of advisory programs and services including wealth management, retirement plan consulting, and access to third-party asset managers. The firm provides operational, trading, technology, compliance, and practice-management support while enabling advisors to construct client portfolios from diverse securities and insurance products.

Daniel Ortiz is a financial advisor with Commonwealth Financial Network holding a Series 66 designation and six years of industry experience. He has worked at several firms, including Commonwealth Financial Network and Weller Group LLC. Ortiz serves as a Boatswain Mate Reservist Member in the United States Coast Guard Reserve. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors and their clients. The firm offers advisory programs, wealth management, and retirement plan consulting, providing operations, trading, technology, investment management, compliance, and practice-management support to affiliated advisors.

Mark Flaherty is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and seven years of industry experience. He is also co-owner of Weller Group, LLC, a private entity involved in securities, advisory, and insurance business. His career includes multiple tenures at Commonwealth Financial Network and ongoing involvement with Weller Group. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs, technology, and operational support, allowing advisors discretion in portfolio construction alongside managed model portfolios created by its Investment Management and Research team.

Alexa Glanzel is a financial advisor with Commonwealth Financial Network, holding a Series 65 designation and two years of industry experience. She has previously worked at Weller Group LLC and has experience outside finance, including a role at DiBella's Old Fashioned Submarines. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, providing a range of advisory programs and services. The firm supports its advisors with operations, technology, investment management, compliance, and practice-management resources, offering access to diverse investment solutions and model portfolios.

Ryan Martin is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and four years of industry experience. He previously worked at Lincoln Financial Advisors, The Delong Company Inc, and Lansing Trade Group. Outside of advising, he is the owner of Oak & Ivy Land Company, LLC, which manages real estate and land management equipment in Geneva, NY. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and hundreds of thousands of clients. The firm provides a broad adviser-support platform including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Joseph Amoddio is a financial advisor at Commonwealth Financial Network with a Series 65 credential and two years of industry experience. His prior work includes roles at Weller Group LLC, Heart of The Harvest, and United Parcel Service. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a range of advisory programs and support services, including custom portfolio solutions and retirement plan consulting, while delivering operations, trading, technology, compliance, and practice-management support to affiliated advisors.

Christopher Santelli is a financial advisor with Eagle Strategies (NY Life) and holds Series 63 and Series 65 credentials. He has 27 years of industry experience and has been associated with Eagle Strategies and New York Life entities since 2003. Santelli is also the owner of Santelli Financial Group, LLC, and serves as a board member of the Anthony Poselovich Memorial Foundation, a nonprofit assisting families with children who have cancer. Additionally, he works as a certified pyrotechnician producing professional firework shows. Eagle Strategies serves a diverse client base including individual investors and institutional sponsors, providing financial planning, investment management, and retirement-plan advisory services. The firm offers various advisory programs and emphasizes tailored recommendations, with the majority of assets managed on a non-discretionary basis within an integrated New York Life affiliate structure.

Timothy Weller is a CFP® with 33 years of industry experience, currently affiliated with Commonwealth Financial Network. He has worked at Commonwealth since 2003, with additional experience managing his own firm, Weller Group LLC. Outside of his advisory role, he is co-owner of a private entity facilitating securities business and is involved in a local snowplowing service. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, providing a range of advisory programs and back-office support including operations, trading, technology, and compliance. The firm offers discretionary model portfolios and multiple program structures to support diverse client needs.

Brian Weber is a financial advisor with Empower Advisory Group in Macedon, NY, holding Series 63 and Series 65 licenses and one year of industry experience. His prior work includes roles at Ascensus, LPL Financial LLC, and World Financial Group. Empower Advisory Group provides financial planning and investment management primarily for employer-sponsored retirement plan sponsors and their participants, as well as for Empower Premier IRA and certain retail brokerage clients. The firm delivers integrated services linked to Empower’s recordkeeping platforms, focusing on long-term portfolio returns and annual rebalancing within plan lineups selected by plan sponsors.

Timothy Veazey is a financial advisor with Commonwealth Financial Network, holding CFP® and ChFC® designations and over 32 years of industry experience. He has worked at Lincoln Financial Advisors for nine years and currently serves as president and owner of Acre Equity Advisors, LLC. Commonwealth Financial Network supports a national network of advisors by providing operations, technology, investment management, and compliance services, allowing advisors discretion in portfolio construction and access to a range of advisory programs and strategies.

Amy Roxin is a financial advisor with Principal Financial Services, holding Series 63 and Series 66 licenses and 27 years of industry experience. Her prior roles include positions at LPL Financial LLC and Key Investment Services LLC. Outside of her advisory work, she is a co-president and owner of Deliberate Luck Vineyard, a micro wine vineyard in Canandaigua, NY. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers financial planning, retirement plan consulting, and access to third-party money manager programs under various advisory and promoter arrangements.

Russell Barone is a financial advisor with Commonwealth Financial Network in Canandaigua, NY, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has been associated with Commonwealth Financial Network since 2002 and with Canandaigua Financial Group since 2011. Barone also offers accounting services through his CPA practice, which he has maintained since 1998. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and support services, including portfolio management, retirement plan consulting, and access to model portfolios managed by its Investment Management and Research team.

Adam Casper is a CFP® professional with 11 years of experience in the financial services industry. He is currently with Commonwealth Financial Network and is also a co-owner of Weller Group LLC, a private entity involved in securities, advisory, and insurance business. His prior experience includes five years at Edward Jones. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a range of advisory programs and support services, including discretionary model portfolios and customized investment solutions, while operating as a back-office and platform provider.

Austin Allen is a financial advisor at Empower Advisory Group with three years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at Eagle Insurance and Strategic Financial Solutions. Before entering the financial industry, he spent five years working in junior and high schools. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm’s approach includes point-in-time financial plans and optional managed account solutions, integrating closely with Empower’s recordkeeping and administrative platforms.

Aaron Pulinski is a financial advisor at Guardian Life and Park Avenue Securities with a Series 66 credential. He has one year of industry experience, with prior roles at Evolution Marketing and broadcasting firms including 13 WHAM and Spectrum. Park Avenue Securities, a subsidiary of The Guardian Life Insurance Company of America, offers brokerage and investment advisory services to individuals, retirement plans, charities, and businesses. The firm combines advisor-led discretionary management with model-based strategies, providing tailored client relationships supported by proprietary and third-party platforms.

Reagan Mangos is a financial advisor with Commonwealth Financial Network holding a Series 65 designation and beginning their advisory career in 2026. Prior to joining Commonwealth, Mangos worked at Weller Financial Group and had roles at St Bonaventure University and various educational institutions. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing around $212.7 billion in client assets. The firm provides its advisors with access to discretionary and nondiscretionary managed-account programs, third-party asset managers, and a broad support platform including custody and clearing services.

David Stalker is a financial advisor with Primerica Advisors in Canandaigua, NY, holding a Series 63 designation and 19 years of industry experience. He has been with Primerica Advisors since 2008 and has worked with Primerica Financial Services since 2001. Outside of his financial advisory role, he is a partner and brewer at Disbatch Brewing Company in Macedon, NY. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure, with portfolio implementation delegated to BNY Mellon Advisors.

Devon Littlefield is a financial advisor with LPL Financial in Newark, NY, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. Prior to joining LPL Financial in 2022, he worked at Reliant Community Federal Credit Union since 2016 and previously at CUNA Brokerage Services and Wells Fargo Clearing. 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, supported by advanced research tools and a broad mix of financial activities.

Mary Robertson is a financial advisor at Cambridge Investment Research Advisors with 41 years of industry experience. She holds the Series 63 designation and previously worked for Cadaret, Grant & Co., Inc. for 27 years. Robertson also operates MRB Financial Services, LLC. Cambridge Investment Research Advisors, Inc. serves individual and institutional clients, including pension and charitable organizations, providing financial planning, investment management, and retirement-plan advisory services through a range of platforms and proprietary model strategies.

Leontios Akavalos is a financial advisor at Edelman Financial Engines with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at J.P. Morgan Securities, JPMorgan Chase Bank, Wells Fargo Clearing, and Wells Fargo Bank. He is also the owner of LA Capital Management LLC, though he does not actively work in this business. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios and supports a large client base through advisor-led and online offerings.

Brent Ascroft is a financial advisor at Edward Jones in Canandaigua, NY, holding Series 63 and Series 65 credentials with 26 years of industry experience. He has been with Edward Jones since 2000. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Scott Ditzell is a financial advisor with Mass Mutual Investors Services, holding the Series 63 designation and 15 years of industry experience. He has been with Mass Mutual Investors Services since 2010 and has worked with MassMutual Life Insurance Co since 2009. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap programs, money-manager programs, and educational seminars, structuring financial planning as annual, collaborative relationships with clients.

Jacob Carrier is a financial advisor with Primerica Advisors in Canandaigua, NY, holding Series 63 and Series 65 credentials and seven years of industry experience. His work history includes roles at PFS Investments Inc., Primerica Financial Services, and Barkman Honey. He also engages in sales of loan products and home-related services through affiliated companies. Primerica Advisors is a large institutional firm managing approximately $15.5 billion in assets and serving individual, corporate, and charitable clients through a wrap-fee asset management program. The firm offers model-driven investment strategies supported by third-party asset managers and provides advisory services primarily to individual investors rather than institutional accounts.

Jered Maloney is a financial advisor with Cetera in Canandaigua, NY, holding Series 63 and Series 65 credentials and six years of industry experience. He has previously worked at ESL Federal Credit Union, LPL Financial LLC, and KeyBank. In addition to his advisory role, he serves as a wealth advisor for Canandaigua National Bank and Trust, where he profiles clients and coordinates with team members to determine the most appropriate platform for each client. Cetera Investment Advisers LLC is an SEC-registered firm 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, supporting a range of program options and custodial arrangements.

Melissa Streber is a financial advisor with LPL Financial, holding a Series 66 designation and five years of industry experience. She has worked at LPL Financial since 2022 and previously held positions at Cuna Brokerage Services Inc. and Reliant Community FCU. Outside of finance, she is active with Fierce Fitness and holds a New York State Notary commission. 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 and brokerage services including financial planning, model portfolios, third-party asset management, and institutional platforms.

William Fiorica is a financial advisor with J.P. Morgan Securities in Canandaigua, NY, holding Series 63 and Series 65 credentials and providing advisory services for 10 years. His prior experience includes roles at Merrill, Bank of America, Citizens Bank/Citizens Securities, Equitable Financial Life/Equitable Advisors, and AXA Advisors. Outside of finance, he owns Brilliant Jewelers, a jewelry creation hobby business he has had since 1989. J.P. Morgan Securities offers institutional consulting services to plan sponsors, corporations, and endowments through a select group of Wealth Advisors. Their program focuses on written asset allocation advice, investment manager searches, and customized reporting, supported by centralized due diligence and incorporating ESG frameworks and broader derivatives and commodities capabilities.

Bruce Bowman is a financial advisor with Mass Mutual Investors Services and holds the Series 63 designation. He has 39 years of industry experience, including roles at MetLife Securities Inc. and Metropolitan Life Insurance Company. Outside of his advisory work, he serves as a trustee overseeing the financial activities of a local fraternal organization. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning, asset management, and educational services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm focuses on collaborative, goal-driven planning using firm-approved analytical tools and offers a range of investment and planning programs.

Andrew Ward is a CFP® professional with 10 years of industry experience, currently affiliated with LPL Financial in Canandaigua, NY. His prior roles include positions at ESL Investment Services, ESL Federal Credit Union, American Portfolios Financial Services, and KeyBank. 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 advisory and brokerage services including financial planning, model portfolio programs, third-party asset management, retirement advice, and institutional platforms.

David Deraddo is a CFP®-credentialed financial advisor with 14 years of industry experience. He is affiliated with LPL Financial and has worked there since 2011, concurrently serving at Lyons National Bank. He operates a DBA under the name LNB Financial Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management solutions, leveraging technology and a broad platform that includes institutional programs and multiple investment strategies.

Jason Swartley is a financial advisor with Osaic Wealth, holding Series 63 and Series 65 credentials and 14 years of industry experience. His prior work includes roles at MML Investors Services, Mass Mutual Life Insurance Company, and Hornor Townsend & Kent LLC. Outside of advisory work, he serves as an elected committee member for the Seneca County Republican Party. Osaic Wealth serves a diverse client base, including individual investors, retirement plans, charities, and corporations, offering a range of brokerage and advisory services supported by model-based asset allocation and a multi-advisor platform.

William Morris is a Financial Consultant at Fidelity Investments, where he has worked since 2011 in various roles. His current position involves collaborating with clients to understand their financial goals and assessing their progress towards these goals. He utilizes Fidelity's resources and his experience to develop financial plans aimed at maximizing clients' fulfillment throughout their lives. Prior to his current role, William has held positions including Retirement Solutions Representative, Central Relationship Manager, Investment Solutions Representative, Premium Relationship Associate, College Planning Specialist, and Securities Trader, all within Fidelity Investments. This progression reflects over a decade of experience in financial services, with a focus on investment and retirement planning. No specific information about William's educational background or personal interests has been provided.

John Mccarthy is a financial advisor at LPL Financial with 34 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Cadaret, Grant & Co., Inc., HSBC Securities (USA) Inc., and Citicorp Investment Services. 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, supported by a large network of investment adviser representatives.

Dale Anderson is a financial advisor at OSAIC with 40 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously with Securities America Advisors, Inc. and Securities America, Inc. Anderson is president of Anderson-VanHorne Associates Inc., a property and casualty, life, accident, and health insurance agency. He is also vice president and partial owner of Evolution Financial Advisors, Inc. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and portfolio management. The firm emphasizes model-based asset allocation and portfolio optimization supported by risk-tolerance assessments and rebalancing tools.

Tim Vangorder is a financial advisor with Primerica Advisors based in Canandaigua, NY, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. He has worked with PFS Investments, Inc. since 2006 and has been affiliated with Primerica Financial Services since 1999. Outside of advisory services, he is involved in the sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which serves individual and high-net-worth clients with model-delivery strategies and a select number of separately managed account options. The firm curates third-party asset managers and uses a tiered wrap-fee structure, focusing on model-based portfolio management rather than institutional pension or profit-sharing plan management.

Donald Rayburn Jr. is a Series 66-licensed financial advisor with Edward Jones in Geneva, NY, where he has worked since 2014, accumulating 11 years of industry experience. Outside of his advisory role, he owns and oversees Waters Edge Bed and Breakfast Resort and manages operations for North Shore Wellness Club. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary strategies, and offers affiliated mutual funds and a proprietary money market fund. The firm manages approximately $1.01 trillion in assets with a large network of advisors and branch offices nationwide.

Stephen Murawski is a financial advisor with Thrivent Investment Management in Newark, NY, holding a Series 66 designation and three years of industry experience. He has been with Thrivent and its affiliates since 2022 and previously served in local government for 15 years. Outside of his advisory role, Murawski serves as an Associate Pastor and a member of the Board of Trustees at New Life Assembly of God in Lyons, NY. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive planning on topics such as retirement, tax, estate, and special needs without implementing recommendations directly. The firm supports holistic, goal-based analyses and allows clients to combine planning with managed-account programs through a consolidated billing option.

Derek Brooks is a CFP® professional with 17 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors since 2025. Prior to this, he worked nine years at Wells Fargo Clearing. Outside of his advisory role, he is a 20% owner of The Lights Band LLC, which performs and releases original music. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options informed by in-house research and tools. The firm supports tailored recommendations across various financial needs with optional implementation through its brokerage or advisory programs.

Thomas Kingsley is a financial advisor with Primerica Advisors in Canandaigua, NY, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1996. Outside of advisory services, he is involved in the sale of loan products and home-related services through affiliates of Primerica. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers advisory services through model-delivery strategies developed by unaffiliated asset managers and supports trade execution and custody through notable financial institutions.

Marc Kreuser is a CFP® with 30 years of industry experience, currently serving as a financial advisor at Ameriprise in Newark, NY. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with substantial investable assets, providing detailed Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in a structured approach delivered by a centralized consulting team.

Dylan Colletta is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2018, including three years with Morgan Stanley Services Group, Inc. His prior experience includes roles at AXA Advisors, LLC and Relin Goldstein & Crane, LLP. 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 and financial planning services using structured processes and analytical tools, managing approximately $2.74 trillion in client assets.

Dylan Joy is a financial advisor at Ameriprise with Series 66 credentials and five years of industry experience. Prior to joining Ameriprise in 2020, he held positions at Dick's Sporting Goods, National General Insurance, and Canisius College. Outside of his advisory role, Joy contributes as an assistant coach for a local high school lacrosse team. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, known for its specialized Premier Retirement Income service that provides annual retirement-income planning advice through a centralized team collaborating with advisors. The firm’s approach includes detailed recommendation reports focusing on income sources, tax-aware withdrawal strategies, and Social Security options within a defined investment framework.