Have the leaves already dried up and fallen, or are they still green on the tree?
Because you need a two-stage approach here, and the guys are basically right, but they're mixing up the timing a bit. If the leaves are still on the tree (and by October they usually drop or almost drop), then yeah, it makes sense to treat with an insecticide like Aktara or Fufanon - there's live aphids there, and they're still active. That'll kill the current generation. But after leaf fall, when the tree is completely bare, you use oil emulsions - they work on the eggs that overwinter under the bark and in cracks. The oils clog the spiracles of pupae and egg masses, and that's actually effective for prevention in spring.
The key thing is don't mix up the timing. Treating with oil while the leaves are still green is a waste, because live insects won't suffer from oil - they'll be waiting for you under the leaf. But if you treat with oil after leaf fall and then it suddenly gets warm again and some aphids wake up on bare branches (it happens), the insecticide won't help anymore - there are no leaves, no feeding point.
If your leaves are still green - grab the insecticide now, don't wait. If half of them have already fallen - hurry up with the chemicals, then you'll wait for complete leaf fall and apply the oil. Two different products, two different stages - that's how you'll make it work.