Margaret Koosa is a financial advisor with The Alchemists, LLC in Stamford, Vermont. She holds Series 63 and Series 65 licenses and has 14 years of industry experience. Her prior work includes roles at Brookwood Investment Group LLC and Belpointe Asset Management, LLC. Koosa also works as an independent insurance agent. The Alchemists, LLC provides portfolio management, financial planning, and retirement plan consulting primarily for pooled vehicles and institutional retirement-plan clients, using a long-term, passive asset-allocation approach with mutual funds and ETFs. The firm also offers educational seminars and pension consulting services.

Gertrude Saville is a financial advisor at Prentiss Smith & Company, Inc. in Brattleboro, VT, holding Series 63 and Series 65 credentials with 30 years of industry experience. She has been with Prentiss Smith & Company since 1989. Prentiss Smith & Company provides investment management services primarily for individual clients and endowment funds, also serving trusts, estates, charitable organizations, and corporations. The firm employs a long-term growth at a reasonable price (GARP) investment approach, emphasizing capital preservation and detailed client communication through regular reports and statements.

Penelope Kaufman is a financial advisor at Prentiss Smith & Company, Inc. in Brattleboro, VT, with 18 years of industry experience. She holds a Series 65 designation and has been with Prentiss Smith & Company since 1999. Prentiss Smith & Company provides investment management services primarily for individuals and endowment funds, also serving trusts, estates, charitable organizations, and corporations. The firm employs a long-term growth at a reasonable price (GARP) investment approach with an emphasis on capital preservation and offers detailed client communications through regular reports and statements.

Prentiss Smith is a financial advisor at Prentiss Smith & Company, Inc. in Brattleboro, VT, holding Series 63 and Series 65 credentials with 31 years of industry experience. He has worked at Prentiss Smith & Company, Inc. since 1982. Prentiss Smith & Company, Inc. provides investment management services primarily for individual clients and endowment funds, also serving trusts, estates, charitable organizations, and corporations. The firm employs a long-term growth at a reasonable price (GARP) investment approach, combining quantitative screening with fundamental analysis, and emphasizes capital preservation.

Frederick Brubaker Jr. is a CFA® charterholder with four years of industry experience. He has been with Prentiss Smith & Company, Inc. since 2007. Prentiss Smith & Company, Inc. provides investment management services primarily to individual clients and endowment funds, also serving trusts, estates, charitable organizations, and corporations. The firm employs a long-term growth at a reasonable price (GARP) investment approach, combining quantitative screening with fundamental analysis and placing emphasis on capital preservation.

Prentiss Smith is a financial advisor with Prentiss Smith & Company, Inc. in Brattleboro, Vermont. He holds a Series 65 designation and has 13 years of industry experience. He has been with Prentiss Smith & Company since 2002. Prentiss Smith & Company, Inc. provides investment management services primarily for individual clients and endowment funds, also serving trusts, estates, charitable organizations, and corporations. The firm employs a long-term growth at a reasonable price (GARP) investment approach, combining quantitative screening with fundamental analysis, and emphasizes capital preservation alongside appreciation.

Patricia Small is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding a PFS™ designation and Series 65 license. She has 15 years of industry experience, including prior roles at Marcum Wealth, LLC and Filomeno & Company, P.C. Outside of her advisory work, she serves as a trustee of multiple trusts. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise firm serving a diverse client base including individuals, trusts, charitable organizations, corporations, and retirement plans. The firm employs a strategic investment process combining passive and active management, supported by an internal Investment Committee and quantitative and fundamental research.

John Heitzman is a financial advisor with OSAIC Institutions, Inc. based in Hudson, NY, holding a Series 66 designation and 12 years of industry experience. His prior roles include positions at Bank of Greene County, Infinex Investments, Inc., and Thrivent Financial for Lutherans. Outside of his advisory work, he serves as a board member of the Fats in the Cats Bicycle Club, a nonprofit focused on cycling advocacy and community service in New York's Catskill and Hudson Valley regions. OSAIC Institutions serves individuals, charitable organizations, corporations, and retirement plans, providing advisory and brokerage services through a network of investment adviser representatives. The firm offers customized financial planning, ERISA plan services, access to alternative investments, and lending and cash-management solutions, with a notable emphasis on non-discretionary assets and integrated brokerage-advisory capabilities.

Scott Salway is a financial advisor with Eagle Strategies (New York Life) in Wilmington, Vermont, holding Series 63 and Series 65 licenses and five years of industry experience. He operates Salway Financial Strategies and has a background that includes roles with New York Life Insurance Company, NYLife Securities, and community involvement as a high school snowboard coach and after-school program leader. Eagle Strategies LLC serves individuals, employer-sponsored retirement plans, trusts, charitable organizations, and corporate clients by providing financial planning, investment advisory, and retirement plan consulting services through a large network of advisors. The firm emphasizes client-directed solutions and utilizes third-party managers and model portfolios, combining advisory services with affiliated insurance and broker-dealer capabilities as a subsidiary of New York Life.

Ellen Bauers is a financial advisor at Mass Mutual Investors Services with 10 years of industry experience. She holds a Series 63 designation and has been with Mass Mutual Investors Services and MassMutual Life Insurance Co since 2015. In addition to her advisory role, she is also an insurance agent involved in the sales and servicing of individual life, equity fixed life, fixed annuities, long-term care, and disability insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm employs a collaborative planning approach using firm-approved software to analyze client goals and offers various investment and event-driven planning programs.

Sara Kermenski is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and 14 years of industry experience. She has been with Cambridge Investment Research since 2011 and previously worked with The Richards Group. Outside of her advisory role, Kermenski serves as treasurer for the Marlboro Nordic Ski Club and is a committee member of the Vermont Women’s Fund. Cambridge Investment Research Advisors serves a diverse client base including individual investors, retirement plans, and charitable organizations through a large network of independent financial professionals. The firm offers financial planning, portfolio management, and retirement plan advisory services, utilizing both model-based and individualized investment strategies implemented through multiple account platforms and custodians.

Beth Ann Graf is a financial advisor at Merrill with 40 years of industry experience. She has been with Merrill since 1981. Graf serves as a member of the Trustees Board for the Lake Ronkonkoma United Methodist Church. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, discretionary portfolio management, and brokerage services. The firm emphasizes manager selection and tax-efficient investment strategies and is integrated with Bank of America affiliates to support trading and capital markets activities.

Christopher Wilson is a financial advisor at Mass Mutual Investors Services with Series 63 and Series 65 credentials and four years of industry experience. He has worked with Mass Mutual and its subsidiary since 2020. Outside of advising, Wilson engages in buying and selling sports memorabilia through an eBay account. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative financial planning engagements and educational seminars, serving a broad client base including high-net-worth individuals.

Scott Gordon Macey is a CFP® with 20 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and has a background that includes roles at MetLife Securities Inc. and Metropolitan Life Insurance. Outside of his advisory work, he is the owner of Restless Kind Management, LLC, a business focused on songwriting and music collaboration. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational seminars using firm-approved analytical tools and structured planning engagements.

Lawrence Raff is a financial advisor at Cetera with 42 years of industry experience. He holds a Series 63 designation and has previously worked at Raff Financial Services, Inc. and Penn Equities Inc. Raff is also a licensed insurance agent, selling life, health, disability, annuities, and long-term care products. Cetera Investment Advisers serves a diverse client base including individuals, high-net-worth clients, institutions, and retirement plans through a large network of independent advisors. The firm offers a range of investment management and fiduciary services, combining advisor-managed accounts, model portfolios, and third-party solutions with retirement and institutional capabilities.

Bridget Bokum is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. She holds the Series 66 designation and has worked at Wells Fargo Clearing since 2016, following 12 years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Robert Adams is a financial advisor at Edward Jones with 10 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2016. Outside of advising, he owns and maintains rental properties in North Adams, MA. 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, offering a range of advisory programs, managed strategies, and affiliated investment products supported by a large nationwide network of advisors and branch offices.

Jason Partyka is a financial advisor with Ameriprise in Wilmington, VT, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he serves as Director of Operations for Platinum Service Solutions Inc., overseeing management activities at their Bethesda office. Ameriprise offers retirement-income planning services aimed at individuals approaching or in retirement with significant investable assets, providing detailed recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and advisory expertise to deliver tailored retirement planning through a centralized consulting team.