William F. Locke, CFA, is the President and CEO of Adirondack Financial Services (AFS), headquartered in Utica, New York. Locke has more than 38 years of experience in investment advisory and trust management. Prior to AFS, Locke was the Senior Vice President and Market Manager for the Central New York Region at Fleet Investment Services. Locke holds an MBA from Babson School of Management and a BA from Bates College. He earned his Chartered Financial Analyst (CFA) designation in 1993 and has a proven track record as an investment manager for individuals, corporations, and not-for-profit organizations.