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.

Tanya Lipinski is a financial advisor with Primerica Advisors, holding a Series 63 designation and bringing 10 years of industry experience. She has worked with Primerica Advisors and Primerica Financial Services since 2015 and serves the Town of Pittstown since 2016. Outside of advisory work, she is involved in sales of home security, automation products, and loan products through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which provides model-delivery strategies and discretionary separately managed accounts primarily for individual and high-net-worth clients, operating as a wrap-fee solution rather than managing institutional pension or profit-sharing plans.

Brad Wagner is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since beginning his career with Merrill in 1996, he has focused on helping clients achieve and maintain financial well-being by providing clarity, simplicity, and partnership in managing their financial lives. Brad’s approach emphasizes understanding clients' values, goals, and life circumstances to create tailored strategies that support smarter financial decisions and better outcomes. Brad’s expertise encompasses a wide range of client focus areas including college education planning, executive compensation, family wealth management strategies, liquidity management, retirement planning, portfolio management, and addressing the unique needs of women and wealth. He integrates his knowledge as a Certified Divorce Financial Analyst (CDFA), CERTIFIED FINANCIAL PLANNER™ (CFP), Certified 401(k) Professional (CKP), and Certified Plan Fiduciary Advisor (CPFA) to serve clients with comprehensive and evolving financial plans. He earned his bachelor's degree from the Kelley School of Business at Indiana University and holds a high school diploma from St. Viator. Brad is engaged in community organizations such as Junior Achievement, Saratoga Arts, and The Leukemia & Lymphoma Society. Outside of work, he enjoys hiking, reading, traveling, and spending time with his wife and three children.

Thomas Niles is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. Prior to joining LPL Financial in 2025, he worked at Janney Montgomery Scott for 10 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research to provide both discretionary and non-discretionary management services.

Stephen Bronder is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and 15 years of industry experience. He has worked at Equitable Advisors since 2011 and was previously with Axa Advisors LLC from 2011 to 2020. Outside of his advisory role, Bronder is a partner at HMS Agency P&C Insurance in Albany, NY. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives. The firm utilizes a variety of advisory models and offers ERISA fiduciary services to qualified plans, with a focus on third-party program sponsors and endorsed advisory platforms.

David Fragomeni is a CFP® with 25 years of industry experience, currently serving as a financial advisor at OSAIC since 2024. He previously worked at Securities America Advisors and Securities America, Inc. for 12 years. Fragomeni is the owner of Fragomeni Insurance & Financial Services, Inc., and serves as the treasurer and a board member of the Saratoga Center for the Family, a local nonprofit organization. OSAIC provides a broad range of financial services to retail and institutional clients through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, utilizing firm-provided tools and multiple platforms to construct diversified portfolios across various asset classes.

Megan Merriam is a financial advisor at Ameriprise with seven years of industry experience. She holds a Series 66 designation and has been with Ameriprise since 2008, including her current role since 2020. Outside of her advisory work, she is involved with Fourstardave, LLC, where she provides financial planning and investment advice. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations primarily through a centralized consulting team.

Maureen Parker is a financial advisor at Charles Schwab with 29 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Charles Schwab since 2016. Her prior experience includes roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of advisory work, she serves on the marketing committee for fundraising events at the Saratoga Performing Arts Center. Charles Schwab 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 offers a combination of non-discretionary advisory guidance and access to affiliated discretionary separately managed accounts, supported by a multi-asset investment approach and centralized operational infrastructure.

Richard Martino is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. Prior to joining LPL in 2021, he worked at Goldman Sachs & Co. LLC and spent over two decades at The Ayco Company, L.P./Mercer Allied. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers financial planning, various advisory programs, and retirement consulting, utilizing discretionary and non-discretionary management supported by proprietary research and third-party subadvisors.

Sean Richardson is a financial advisor with Equitable Advisors, holding a Series 66 designation and eight years of industry experience. He has been with Equitable Advisors since 2018, including two years when the firm operated as AXA Advisors. Equitable Advisors serves a broad client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs, focusing on matching clients to appropriate advisory models or discretionary managers through both proprietary and third-party platforms.

Julia Mccurdy is a financial advisor at Morgan Stanley with 26 years of industry experience and holds Series 63 and Series 65 designations. She has worked at Morgan Stanley and its predecessor firms since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and modeled outcomes. The firm manages approximately $2.74 trillion in client assets and operates with a broad suite of retail and institutional investment services.

Walter Mcnall is a financial advisor with Primerica Advisors in Clifton Park, NY, holding a Series 63 designation and 12 years of industry experience. He has been with Primerica Advisors since 2014 and is also associated with St. Joseph's Provincial House since 2013. Outside of his advisory role, he works as a self-employed driver for Uber Technologies Inc. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and a limited selection of separately managed accounts for individual and high-net-worth clients. The firm uses third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, operating primarily on a tiered wrap-fee structure.

Angela Aruanna is a Series 66-licensed financial advisor with Equitable Advisors, based in Malta, NY, and has three years of industry experience. Prior to joining Equitable Advisors in 2023, her work history includes roles at the University at Albany and Small Enterprise Assistance Funds. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management programs through a network of Investment Adviser Representatives and utilizes third-party asset managers and advisory programs to implement client solutions.

Valerie Mosher is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and bringing 17 years of industry experience. Her career includes roles at several financial firms such as Fisher Investments, Allstate Financial, and Champion Financial Services. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Zachary Zaloga is a financial advisor with Morgan Stanley in Saratoga Springs, NY, holding a Series 66 designation and possessing 10 years of industry experience. He has worked with Morgan Stanley and its Private Bank division since 2015 and 2016, respectively. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers comprehensive financial planning services supported by structured tools and advanced modeling techniques, managing approximately $2.74 trillion in client assets.