John Cornell Jr. is a financial advisor at Merrill with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 2009, with prior roles at Bank of America, N.A., Banc Of America Investment Services, Inc., and Quick & Reilly, Inc. Outside of his advisory role, he is involved in managing equestrian and thoroughbred racehorse LLCs. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

David Keller is a financial advisor at Merrill in Albany, NY, holding a Series 66 designation with 12 years of industry experience. He has worked at Merrill and Bank of America since 2015 and was previously employed at Edward Jones for one year. Outside of advising, he is a co-owner of a family rental property in Falmouth, MA. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Arthur Francis is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 50 years of industry experience. He previously worked at Wells Fargo Advisors Financial Network LLC for 17 years and Wells Fargo Clearing for 5 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, and institutional platforms.

Jennifer George is a CFP® professional with 15 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. She previously worked at Ameriprise Financial Services, Inc. from 2009 to 2020. In addition to her advisory role, she owns and manages STJMD Enterprises, Inc., a management company based in Castleton, NY. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research-driven modeling and tax-efficiency analysis to deliver tailored recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Paul Stento is a Series 66 licensed advisor with Merrill in Albany, NY, and has 23 years of industry experience. He has worked with Merrill Lynch since 2003 and with Bank of America, N.A. since 2011. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies managed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Fazio is a financial advisor with LPL Financial based in Pittsfield, MA, holding Series 63 and Series 65 credentials and possessing 25 years of industry experience. He has worked at LPL Financial (formerly LINSCO Private Ledger) and Greylock Federal Credit Union since 2008. At Greylock Federal Credit Union, he serves as Senior Vice President, dedicating half of his professional time to this role. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions through a large network of advisors and utilizes various portfolio strategies, technology tools, and institutional platforms.

Eric Besaw is a financial advisor at Merrill with 16 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Charles Schwab, TD Ameritrade, and Scottrade. Outside of his advisory work, he serves as a committee member for the Merrimack River Feline Rescue Society and owns Bluebird Acre Farm LLC, a nursery and agriculture business focused on growing fruit and nut trees and shrubs. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Craig Strassell is a financial advisor with LPL Financial in Pittsfield, MA, holding Series 63 and Series 65 licenses and 20 years of industry experience. He has been with LPL Financial since 2010. Outside of his advisory role, he is involved in managing residential real estate properties in Pittsfield. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting over 22,800 advisors.

Jason Bays is a Certified Financial Planner (CFP®) with 19 years of industry experience. He is currently affiliated with LPL Financial and has previously worked at Private Advisor Group, Securities America, and Valic Financial Advisors. Bays is also the founder and CEO of Bays Horizon Advisory, operating under the DBA 435 Financial, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services, including access to model portfolios, third-party asset managers, and institutional platforms.

Tristan Mccarthy is a financial advisor at Fidelity with 23 years of industry experience and holds a Series 66 designation. He has been with Fidelity and its affiliated entities since 2012. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm employs a combination of proprietary fundamental research, quantitative analysis, and systematic methodologies, including algorithmic portfolio construction, to deliver model portfolios and advisory services.

Thomas Duclos is a financial advisor at Charles Schwab with 13 years of industry experience. He holds the Series 66 designation and has previously worked at TD Ameritrade and Scottrade. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separate managed accounts and a formal alternative-investment onboarding process.

Rene Farrington is a CFP®-certified financial advisor with 23 years of industry experience, currently affiliated with LPL Financial since 2020. Prior to joining LPL, Farrington worked at Cambridge Investment Research Advisors and Equitable Advisors. Outside of his advisory role, he owns and operates an orchard in Schoharie, NY. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management services, utilizing model portfolios, third-party subadvisors, and customized strategies supported by research and operational tools.

Melisa Boel is a Financial Advisor with Merrill Lynch Wealth Management. She focuses on connecting clients to tailored plans and processes that align with their unique financial ambitions. Her work includes helping clients plan for funding children’s education, retirement lifestyle and potential healthcare expenses, as well as creating personalized strategies to achieve long-term family goals. Melisa emphasizes simplicity and transparency in wealth planning to make the investment process manageable and goal-oriented. Her client focus areas encompass corporate benefits, executive services, divorce transition planning, employee benefits planning, executive compensation, equity compensation services, family wealth management strategies, institutional and corporate benefit services, personal retirement planning, and portfolio management services. Melisa is committed to addressing each client’s personal perspectives and priorities to deliver disciplined and customized wealth strategies. Melisa holds a Bachelor’s degree from Bowdoin College and has earned the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations.

James O'Connor is a financial advisor at Merrill with 42 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Merrill since 1988 and Bank of America, N.A. since 2009. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Amanda Kowalski is a financial advisor at Merrill with 24 years of industry experience. She has been with Merrill since 2004 and holds the Series 63 and Series 66 designations. Outside of her advisory role, she serves as a trustee for a family trust in Albany, New York. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Barry Rings Jr. is a CFP® professional with 11 years of experience in the financial services industry. He is currently with LPL Financial and has previously worked at Cadaret Grant & Co., Atlas Private Wealth Management, and Northwestern Mutual. Outside of his advisory role, he serves as Youth Director for the Town of Nassau. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management services, utilizing both proprietary and third-party strategies, supported by advanced operational tools.

Annmarie Franke Suarato is a Senior Financial Advisor with Merrill Lynch Wealth Management. She leads the Franke Stento Mohan Irwin Group, providing goals-based wealth management services to affluent families, accomplished professionals, and successful business owners nationwide. Annmarie and her team focus on cultivating long-lasting relationships by delivering customized advice, exceptional service, and a disciplined approach to investing. Before transitioning to wealth management, Annmarie spent over eight years working on sales teams at two major asset managers in downtown Boston. She holds a Bachelor of Science degree in Finance from Siena College in Loudonville, New York, where she also played on the rugby team and continues to stay involved with the organization. Her professional expertise encompasses areas such as college education planning, divorce transition planning, employee benefits planning, executive compensation, family wealth management strategies, liquidity management, personal retirement planning, portfolio management services, small business strategies, and retirement income. Annmarie resides in Niskayuna, New York, with her wife, daughter, and their yellow Labrador. Outside of her professional activities, she participates in Habitat for Humanity and enjoys boating, fishing, golfing, skiing, traveling, rugby, and fitness. She holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations.

Brian Tramontano is a financial advisor at LPL Financial in Albany, NY, holding a Series 63 designation with 15 years of industry experience. He has worked at LPL Financial since 2012, including a recent period starting in 2021, and previously spent nine years at Cap Com Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supporting advisory strategies with advanced research tools.

Zachery Freire is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he joined in July 2018. As a partner on The H Group, he focuses on working with business owners, executives, and first generation wealth creators primarily in the Capital Region and Greater New York City area. He applies his expertise to areas such as corporate benefits, executive compensation, equity compensation services, family wealth management strategies, liquidity management, philanthropic planning, portfolio management services, tax minimization, and retirement income. Zachery holds a bachelor's degree from St. Lawrence University and has earned several professional designations including Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is also affiliated with the United States Army 86th IBCT - 19D and is a US Army Veteran. Community involvement is important to Zachery, exemplified by his volunteering and fundraising efforts for organizations such as the Veteran Connect Center. In his personal time, he enjoys activities including cooking, hunting, reading, rock climbing, running, and swimming.

Paula Aveni is a financial advisor at LPL Financial with 20 years of industry experience. She holds Series 63 and Series 65 credentials. Her background includes roles at Hudson Valley Credit Union, Broadview Federal Credit Union, Citizens Securities, Inc., and Citizens Bank. She serves on the board of Puppy Kitty NYC, a nonprofit organization. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides financial planning and investment advisory services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of portfolio management solutions and uses various operational tools to support its network of over 22,800 advisors.