"Thank you for your invaluable help following the retirement of my long-time business partner ... What could have been a very complicated and frustrating process was made 'pain-free' due in large part to your expertise and hard work. It was immediately evident that you were not here to merely sell me insurance, but to work with me on a plan that would help to secure my (and my company's) future while not overlooking our current needs. Once again, thank you for all of your hard work, diligence and expertise."

Dental Systems Group
Utica, NY

"St. Elizabeth Medical Center has had a relationship with Gilroy Kernan & Gilroy since 1960. (Our agent's) knowledge and experience has been evident to St. Elizabeth employees … she is responsive to our employees' requests and willing to do what is necessary to assist an employee in resolving any issue. She is always professional, courteous and receptive to our requests ... we look forward to our continued relationship in the future."

St. Elizabeth Medical Center
Utica, NY

"It is imperative that the client have trust and faith in their advisor; you have earned that with your work and ongoing commitment to my family."

J.C.
New Hartford, NY

"Thank you for the work you have done in helping with our estate planning. Even though we have worked with many advisors for several years, you have provided us with insights and ideas that were new to us ... Your willingness to work with our existing advisors, and your persistence in dotting the "i's" and crossing the "t's" to get it done right, demonstrate your professionalism."

C.K.
New Hartford, NY

"Checking old calendars, we find that you have guided us through two years of complex decisions: how to protect our resources for our old age and for our children's inheritance ... Through it all you have shown integrity and resourcefulness, listening to our changing needs and patiently explaining options. We believe we now have a workable plan in place and that when needed, you will be there to help, not just as a business acquaintance, but as a friend."

Mr. & Mrs. W.S.
Sauquoit, NY

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