Michael Hayduk

David Hamlin is a CFP® professional with 10 years of experience in financial advising. He is currently with Caruso McLean & Co., Inc. and also works with Empire Retirement Plans, LLC. Outside of his advisory roles, he serves as a notary public. Caruso McLean & Co., Inc. serves individual clients, trusts, pension and profit-sharing plans, charitable organizations, and business entities, offering services including asset management and financial planning. The firm uses model portfolios based on modern portfolio theory, investing primarily in mutual funds and ETFs, and manages approximately $249 million in assets across 104 client relationships.

Chad Carstensen is a financial advisor at Ballast Capital Advisors, LLC with nine years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Ballast since 2016. He is also a board member of the Mohawk Valley Community Action Agency, a nonprofit organization based in Utica, NY. Ballast Capital Advisors primarily serves high-net-worth individuals and institutional clients through discretionary investment management and comprehensive financial planning. The firm emphasizes a liability-driven investment approach focused on fixed income and offers bespoke, bond-centric portfolios to a concentrated client base.

Frances Parent is a CFP® with 34 years of industry experience, currently with Adirondack Financial Services Corp. She has held roles at Hazard & Siegel Inc. and has longstanding involvement with Greenleaf Contracting, Inc. and the Sagamore Institute. Outside of finance, she owns Blue Line Coffee House in Inlet and Old Forge, NY. Adirondack Financial Services provides investment advisory and portfolio management services to individual and institutional clients, employing a client-specific investment process that integrates quantitative screening with qualitative manager and security review. The firm manages approximately $412 million in assets across nearly 600 clients.

Gregory Mclean is a financial advisor at Caruso McLean & Co., Inc. in Utica, NY, with 45 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Caruso McLean & Co., Inc. since 1988, as well as with Osaic Wealth, Inc. since 1989 and Empire Retirement Plans, LLC since 2025. Outside of his advisory roles, he serves as President of the Board of Trustees for the Thousand Island Land Trust, a nonprofit organization. Caruso McLean & Co., Inc. serves individual clients, trusts, pension and profit-sharing plans, charitable organizations, and business entities, offering asset management, consulting, and financial planning services. The firm employs five model portfolios based on modern portfolio theory, primarily investing in mutual funds and ETFs, and manages approximately $249 million in assets across about 104 client relationships.

Kevin Conway is a financial advisor at Caruso McLean & Co., Inc. with 10 years of industry experience. He holds the Series 66 designation and has worked at Caruso McLean & Co., Inc. since 2013. Conway serves as associate treasurer on the Clinton Central School Foundation board and holds trustee and board member roles with several nonprofit organizations in the Utica, NY area. Caruso McLean & Co., Inc. serves individual clients, trusts, pension and profit-sharing plans, charitable organizations, and business entities. The firm uses modern portfolio theory to construct portfolios across five model allocations, primarily investing in mutual funds and ETFs, and manages both discretionary and non-discretionary accounts.

Stephen Caruso is a financial advisor with Caruso McLean & Co., Inc. in Utica, NY, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. He has been with Caruso McLean & Co., Inc. since 1996 and also works with Empire Retirement Plans, LLC. Caruso McLean & Co., Inc. serves individual clients, trusts, pension and profit-sharing plans, charitable organizations, and business entities, managing approximately $249 million in assets. The firm employs five model portfolios ranging from Conservative to Aggressive, applying modern portfolio theory with a focus on mutual funds and ETFs, and manages accounts primarily on a non-discretionary basis.