Michael Copulos is a financial advisor with Equitable Advisors holding a Series 66 designation. He joined the firm in 2026 and brings no prior industry experience. His background includes roles outside the financial sector, such as work at Glen Arbor Golf Club and Deer Studios NYC. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives. The firm utilizes a variety of advisory models, including third-party asset managers and LPL-sponsored programs, and provides ERISA fiduciary services for qualified plans.

Rebecca Di Tata is a financial advisor at Ameriprise with six years of industry experience. She holds the Series 66 designation and has worked at Ameriprise since 2017, following two years at Albany Academies. Additionally, she serves as an Associate Financial Advisor through Fourstardave, LLC. Ameriprise provides retirement-income planning services focused on individuals nearing or in retirement with significant investable assets. The firm delivers tailored, research-based recommendations combining modeling and tax-efficiency analysis, supported by a centralized consulting team and a broad range of advisory, brokerage, and insurance solutions.

Devon Costa is a financial advisor at OSAIC with four years of industry experience. He holds the Series 66 designation and previously worked at Goldman Sachs and Bouchey Financial Group. Outside of finance, he owns a sole proprietorship that manages a craft business selling gifts at fairs and local stores. OSAIC serves a diverse client base including individual and institutional investors, offering integrated brokerage, financial planning, and advisory services. The firm utilizes asset-allocation tools and third-party platforms to construct managed portfolios tailored to client risk tolerance and investment preferences.

Jameson Howley is a financial advisor at Equitable Advisors with a Series 66 credential. He has been with Equitable Advisors since 2025 and holds no prior industry experience. His background includes various roles outside the financial industry and attendance at Pace University from 2021 to 2025. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm offers financial planning, retirement plan consulting, and asset-management programs, utilizing both proprietary and third-party investment solutions.

Erin Santspree is a Senior Financial Advisor at Merrill Lynch Wealth Management. She has over 18 years of experience in the finance and banking industry, providing financial guidance to families and businesses to help them achieve their unique financial goals. Erin's advisory practice includes a focus on Impact Investing, where she helps clients pursue investments that generate both financial returns and measurable social and environmental impacts. She is also a frequent guest speaker on topics related to Impact Investing at business and institutional events. Erin holds a Bachelor of Arts degree from Union College and a Master of Business Administration from Union Graduate College, both located in Schenectady, NY. She holds the designation of Personal Investment Advisor (PIA). As a lifelong resident of Saratoga County, NY, Erin is deeply connected to the community and finds working with local families, businesses, and institutions highly rewarding. Her personal interests include boating, camping, cooking, hiking, ice hockey, music, reading, and spending time with her family. Erin is involved in several community organizations, including the Children's Museum at Saratoga, the Saratoga Springs School District, Soroptimist International of Saratoga County, and Sustainable Saratoga.

Stevan Paton is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He has worked at Raymond James since 2023 and previously spent 14 years with Wells Fargo, including roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional and pension plans, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a range of portfolio management styles and affiliated research.

Dominic Garrant is a financial advisor with Edward Jones in Ballston Spa, NY, holding a Series 66 designation and 16 years of industry experience. He has been with Edward Jones since 2010. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment products supported by a large national network of financial advisors and branch offices.

Eric Williams is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has over a decade of experience in serving clients and their families, having begun his wealth management career at Ayco Company, L.P., a Goldman Sachs company, in 2005. Eric focuses on areas such as family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, socially responsible and values-based investing, and retirement income. He holds a Bachelor of Science degree in Finance from Siena College and is a CERTIFIED FINANCIAL PLANNER (CFP) certificant, a designation awarded by the CERTIFIED FINANCIAL PLANNER Board of Standards, Inc. Eric also holds the Personal Investment Advisor (PIA) designation. Residing in Ballston Lake, New York, Eric lives with his wife, Angela, and their three children, including twins. He is a parishioner at St. Edward the Confessor in Clifton Park. His personal interests include biking, football, golfing, traveling, being a foodie, and following Siena College basketball, New York Giants football, and horse racing.

Joseph Kelly is a financial advisor at Edward Jones with 21 years of industry experience and holds a Series 63 designation. He has been with Edward Jones since 2004. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, including discretionary and non-discretionary wrap fee options, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,700 financial advisors.

Vincent Coscette is a financial advisor at LPL Financial with one year of industry experience. He holds the Series 66 designation and has worked previously at NBT Bank and PKS Investments. His background includes roles outside finance, such as positions at The Cheesecake Factory and Kohl's, and he was a full-time student at Siena College. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services, utilizing discretionary and non-discretionary management alongside model portfolios and research from multiple sources.

Theodore Wood is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has worked with Wells Fargo entities since 2009. Outside of his advisory role, he is involved with the New York Public Library’s Financial Literacy Center and co-owns a media group focused on sports development in China. Wells Fargo Clearing provides retirement plan consulting 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 incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Colleen Kavanaugh is a financial advisor at Equitable Advisors with 20 years of industry experience. She holds Series 65 and Series 63 licenses and has worked at Equitable Advisors since 2015, following a prior role at AXA Advisors LLC. Outside of advising, she serves as a director on the board of Captain Community Human Services and acts as a trustee for her parents' trusts. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm utilizes a variety of advisory models and third-party asset managers, focusing on personalized client information and risk assessment to tailor investment solutions.

Lisa Santos is a financial advisor at Merrill with 35 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill since 2012. 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 a range of model-based and discretionary investment strategies designed for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

John Carroll III is a financial advisor at Stifel with 39 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at City National Bank before joining Stifel in 2016. Outside of his advisory role, he serves on the finance committee of Wolferts Roost Country Club and is a member of the institutional advancement committee at The Albany Academies, where he advises on fundraising. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. Its investment approach is based on proprietary capital market assumptions and probabilistic modeling developed by the Stifel Investment Strategy Group.

Daniel Moerschell is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and possessing 38 years of industry experience. He has worked at Morgan Stanley since 2011 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools such as Monte Carlo simulations and the Global Investment Committee’s Secular Return Estimates in its financial planning process.

Andrew Chapman is a financial advisor with LPL Financial in Saratoga Springs, NY, holding a Series 66 designation and 18 years of industry experience. He has been affiliated with LPL Financial since 2011 and runs Saratoga Financial Services since 2014. In addition to his advisory work, Chapman is a commissioned notary public. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and various investment strategies.

Charles Luzadis is a financial advisor at Equitable Advisors with one year of industry experience. He holds the Series 66 designation and previously worked at the University of Tampa and King Brothers Dairy. Outside of his advisory role, he has worked as a golf shop attendant at Saratoga National Golf Club. Equitable Advisors serves individual and institutional clients including pension plans and charitable organizations, providing financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives and third-party managers. The firm offers a range of programs emphasizing risk assessment and tailored investment solutions without sponsoring its own wrap fee program.

Craig Cornwell is a financial advisor at Raymond James Financial with 20 years of industry experience and holds a Series 66 designation. His previous roles include positions at Cantella & Co., Inc. and The Ayco Company, L.P./Mercer Allied. Outside of his advisory work, he is also a licensed agent involved in the potential sales of non-variable life insurance and annuities. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using risk profiling and modeling tools, and supports its clients through a broad advisor network and specialized advisory programs.

Steven Hipsley is a CFP® with 31 years of industry experience. He has been with OSAIC since 2024 and previously worked for 15 years at American Portfolios Financial Services, Inc. He is also president of Champlain Wealth Management, Ltd., a business name associated with his wealth management and securities activities. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct diversified portfolios that may include various asset classes managed on discretionary or non-discretionary bases.

John Costantino Jr. is a financial advisor at Raymond James Financial with 33 years of industry experience. He holds Series 63 and Series 66 credentials and has been associated with Raymond James Financial Services since 1999. He is also the owner of High Point Trading & Consulting, a business based in Saratoga Springs, NY. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm offers tailored, non-discretionary planning and uses analytical tools to support client goals, while also maintaining specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.