Michael Carillo is Vice President and Financial Consultant at Fidelity Investments. He partners with his clients to create simple and effective financial plans, focusing on their individual needs. His experience at Fidelity Investments includes roles as Financial Consultant since 2023, Investment Consultant from 2022 to 2023, and Workplace Planning Consultant from 2021 to 2022. These roles have provided him with practical knowledge in various aspects of financial consulting and planning. Outside of his professional work, Michael's personal interests include baseball, boating, family activities, military service, music, and parenthood.

Samuel Maltbie is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years with Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is based on investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related investment options alongside traditional products.

Jennifer Garver is a financial advisor with Wells Fargo Clearing in Troy, NY, holding Series 63 and Series 65 designations and bringing 25 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she serves as co-trustee for her mother’s trust. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates a broader set of financial product offerings, including insurance-related vehicles and bank deposit sweep options.

Robert Wright is a financial advisor with UBS Financial Services in Albany, NY, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. He has been with UBS Financial Services since 2012. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor client solutions.

Christopher Liberty is a financial advisor with Wells Fargo Clearing in Troy, NY, holding a Series 63 designation and 32 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Outside of his advisory role, Liberty is an author of personal entertainment books and serves as an adjunct instructor teaching investment management, microeconomics, and financial risk management courses at Empire State University. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Frank Alvarez is a Financial Advisor with Merrill Lynch Wealth Management based in Albany, NY. He serves technology and engineering professionals, executives, and retirees across the Capital Region. His work focuses on equity compensation, employer benefits, and retirement income planning. Alvarez applies a methodical approach to financial planning, emphasizing defined inputs, tested assumptions, and well-structured plans. He engages closely with clients to understand their priorities and develop strategies tailored to their goals, covering areas such as general investing, retirement planning, and preparing for unforeseen circumstances. He holds a Bachelor's Degree from Siena College and has earned the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations.

Derek Nolan is a Wealth Management Advisor at Merrill Lynch Wealth Management. He holds the professional designations of Certified Investment Management Analyst (CIMA) and Personal Investment Advisor (PIA). Derek earned a Bachelor's Degree from Georgetown University. His professional focus is on providing wealth management services to clients.

Matthew Sperazzo is a financial advisor with Ameriprise in Saratoga Springs, NY, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. His prior roles include positions at John Hancock Advisers, LLC, John Hancock Funds LLC, and other John Hancock affiliates from 2007 to 2021. Ameriprise offers a retirement-income planning service aimed at individuals nearing or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in a centralized consulting approach, supported by algorithmic automation and oversight committees.

Jacob Guevara is the Branch Leader at Fidelity Investments' Albany Investor Center, a role he has held since 2024. He co-leads the center with a dedication to Fidelity's mission and values, focusing on financial planning and making an impact during important financial moments for clients. Jacob is committed to ensuring that every client interaction is meaningful and meets high standards of service. Jacob has been with Fidelity Investments since 2014, progressing through various positions including Financial Representative, Senior Service Support Specialist, Managed Account Support Specialist, and several leadership roles within Advisory Services and Relationship Management. His experience spans client advising and team leadership, reflecting a depth of knowledge in financial services and client relationship management. Outside of his professional responsibilities, Jacob enjoys cooking and baking, fitness, and gardening.

Christopher Dacey is a financial advisor with LPL Financial in Albany, NY, holding Series 63, 65, and 66 licenses and bringing 23 years of industry experience. He previously worked at Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. from 2015 to 2020. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, retirement plan consulting, and brokerage services. The firm offers both discretionary and non-discretionary management and utilizes model portfolios, research, and various technology-driven strategies.

Stephen Stewart is a Series 66-licensed financial advisor at Merrill with three years of industry experience. He has worked at Merrill since 2022 and previously held roles at Bank of America from 2019 to 2022. 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 institutional investors.

Jason Levine is a financial advisor at UBS Financial Services with five years of industry experience. He holds the CFA® designation along with Series 66 and Series 63 licenses. Prior to joining UBS in 2022, he worked at Bank of America for 14 years. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor strategies to client goals.

Bryanna Lydell is a Financial Consultant with experience across multiple roles at Fidelity Investments and Northwestern Mutual. She has worked as a Planning Consultant, Relationship Manager, Financial Representative, and Financial Services Representative, gaining a broad understanding of financial planning and client relationship management. Her professional experience spans from 2022 to 2026, with a focus on delivering financial services and consulting. Throughout her career, Bryanna has emphasized building strong, lasting relationships with clients by understanding their individual goals and crafting tailored financial plans. She is committed to providing clear guidance and support to help clients feel confident and empowered in their financial decisions. Her approach to client service is rooted in trust, transparency, and personalized strategies. Details about her education, credentials, personal interests, or community involvement have not been provided.

Harold Connolly is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has been employed since May 1989. His areas of expertise include family wealth management strategies, personal retirement planning, and portfolio management services. Mr. Connolly holds a bachelor's degree in economics from The State University of New York at Albany. He has earned several professional designations, including Certified Investment Management Analyst® (CIMA®) awarded by the Investments & Wealth Institute™, Chartered Retirement Planning Counselor® (CRPC®), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). In addition to his professional work, he follows Merrill Lynch’s tradition of community involvement, dedicating time to volunteer with organizations within the communities he serves.

Anthony Casale is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2011. In this role, he assists clients in making informed investment decisions, emphasizing the importance of building consistent relationships and developing strategic financial plans. He also focuses on the ongoing review, maintenance, and adjustment of these plans over time. Prior to joining Fidelity Investments, Anthony worked as a Financial Planner at The Ayco Company from 2009 to 2011 and at First Investors Corporation from 2007 to 2009. He holds a California Insurance License. Outside of his professional work, Anthony enjoys family activities and playing golf.

Douglas Parks is a Senior Financial Advisor at Merrill Lynch Wealth Management. He works with clients to develop personalized financial strategies that align with their long-term goals, leveraging the investment insights of Merrill Lynch and the banking services of Bank of America. Douglas collaborates with clients' attorneys, accountants, and other advisors to provide comprehensive financial advice tailored to their individual financial situations. His areas of focus include pre-retirement financial analysis, transition and severance planning, retirement income planning, estate planning strategies, and insurance and long-term care strategies. Douglas also brings expertise in employee benefits planning, executive compensation, family wealth management strategies, liquidity management, managing new wealth, small business strategies, tax minimization, and retirement income. He holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Florida State University. Douglas is actively involved in the community, volunteering with organizations such as 15 Love, Junior Achievement - Financial Literacy, and USTA Junior Team Tennis. He enjoys adventure sports, basketball, biking, boating, football, golfing, hiking, spending time with his family, tennis, and watching movies.

Rachel Quinn is a financial advisor at UBS Financial Services in Albany, NY, with three years of industry experience and a Series 66 designation. Prior to joining UBS in 2022, she held roles at Vision Government Solutions, NewStore Inc., and Commonwealth Financial Network. Outside of her advisory work, she maintains a personal baking and food blog called More Butter. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm employs model-based asset allocations and proprietary research to tailor financial plans based on clients’ goals and risk tolerances.

John Cornell Jr. is a financial advisor at Merrill with 26 years of industry experience. He holds the Series 63 and Series 65 licenses and has worked at Merrill since 2009 and Bank of America, N.A. since 2011. Outside of his advisory role, he is involved in equestrian activities through ownership and management of several horse-related 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, pension plans, corporations, and charitable organizations.

Gerard Ryan is a financial advisor with Osaic who holds Series 63 and Series 65 licenses and has 41 years of industry experience. His career includes 30 years at Signator Investors, Inc. prior to joining Osaic in 2018. He is also involved with Keystone Financial Management LLC, where he engages in sales and marketing of fixed annuities, securities, and insurance products. Osaic Wealth, Inc. 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 with a range of investment options and uses firm-provided tools to construct portfolios, supporting both discretionary and non-discretionary management.

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.