Timothy Distefano is a financial advisor at RBC Capital Markets with 10 years of industry experience and holds a Series 66 designation. His prior work includes roles at City National Bank and The Ayco Company, L.P./Mercer Allied. Outside of his advisory duties, he serves on the Board of Directors for the Center for Disability Services and participates in alumni and community association activities. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individuals, institutions, and charitable organizations. The firm offers tailored investment advisory programs that incorporate both in-house and third-party managers, with options for customized portfolio management and financial planning.

Athanasios Liapis is a Team Financial Advisor with Merrill Lynch Wealth Management, where he has been serving clients since 2015. He specializes in retirement planning and relationship management, leveraging his credentials as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Athanasios holds a Bachelor's Degree in Business Economics from SUNY Oneonta. His expertise includes family wealth management strategies, personal retirement planning, portfolio management services, small business strategies, individual and corporate investment strategy, and retirement income. He focuses on connecting clients to tailored plans and processes that align with their unique goals and priorities. Residing in Coxsackie, NY with his wife and two children, Athanasios is an avid New York sports fan and participates actively in his local community. He enjoys baseball, football, reading, skiing, and soccer.

Todd Slingerland is a CFP®-certified financial advisor with LPL Financial, based in Albany, NY, and has 37 years of industry experience. He has been with LPL Financial since 2016 and has prior experience at Waddell & Reed. Outside of his advisory work, he owns an insurance agency that provides fixed, life, disability, and long-term insurance products. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of advisors and extensive operational resources.

Kevin Kelly is a financial advisor with RBC Capital Markets in Albany, NY, holding Series 63 and Series 65 licenses and with 41 years of industry experience. He previously worked at Janney Montgomery Scott for 14 years before joining RBC Capital Markets in 2022. Kelly serves as president of the Wildwood Foundation, a nonprofit organization focused on nature conservation. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers tailored advisory programs combining in-house and third-party investment management with a variety of portfolio management and financial planning services.

Michael Deorocki is a financial advisor at RBC Capital Markets in Albany, NY, holding Series 63 and Series 65 licenses with 25 years of industry experience. He has been with RBC Capital Markets since 2014. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers, supported by RBC’s extensive capital markets and affiliated asset management resources.

James Watkinson is a financial advisor at RBC Capital Markets with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at both RBC Capital Markets since 2009 and City National Bank since 2016. Watkinson serves on the boards of two nonprofit organizations in Albany, NY, including the Northeastern Association for the Blind Albany and St Catherine's Center for Children. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs with tailored investment strategies implemented through in-house and third-party managers, supported by integrated capital markets and asset management capabilities.

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.

Brandon Glasser is a financial advisor with J.P. Morgan Securities in Albany, NY, holding Series 63 and Series 66 licenses and five years of industry experience. His career includes roles at Citizens Securities, Citizens Bank, and Trustco Bank. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling and centralized due diligence with an ESG eligibility framework.

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.

Michael Shapiro is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. Before joining Cetera, he worked at Voya Financial Advisors for seven years. He is also senior vice president of Professional Planning Group and operates as an independent insurance agent in Albany, NY. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services and utilizes a multi-manager platform that includes affiliated and third-party managers.

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.

Francis Zovistoski is a CFP® with 25 years of industry experience, currently affiliated with OSAIC. He has previously worked at Securities America Advisors, Inc., Securities Service Network, Inc., and UHY Capital Advisors, LLC. Outside of advisory work, he serves on the board of Double H Ranch, a camp for children with serious illnesses, where he is Treasurer and chairs the Finance Committee. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and nonprofit organizations through a broad network of affiliated advisers. The firm offers integrated brokerage and advisory services with access to multiple investment platforms and third-party managers.

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.

Kervin Alcindor is a financial advisor at Merrill with one year of industry experience. He holds the Series 66 designation and previously worked at Aarons. 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 a range of clients including individuals, high-net-worth clients, and institutional plans.

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.

Lilien Woolbert is a financial advisor at Fidelity with Series 63 and Series 65 licenses and two years of industry experience. Prior to joining Fidelity, Lilien worked at Trustco Bank and has a diverse background including roles in homemaking and managing a pet-related business. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and systematic portfolio construction across mutual funds, ETFs, and ETPs.

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.

Frederick Disbrow is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds the Series 66 designation and has worked at J.P. Morgan Chase Bank, N.A. and Citizens Securities, Inc. prior to his current role. Based in Albany, NY, he has been with J.P. Morgan since 2021. J.P. Morgan Securities LLC 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.

James LaCour is a Financial Consultant at Fidelity Investments, a role he has held since 2025. He has been with Fidelity Investments since 2022, progressing through various consultant positions including Planning Consultant and Investment Consultant. Prior to Fidelity, James served as a Registered Representative at Equity Services, Inc and as a Financial Advisor at Thoroughbred Advisors from 2020 to 2022. James empowers clients to make informed financial decisions by engaging them through a structured three-step process that includes personal and professional understanding, collaborative planning, and tailored recommendations. His approach emphasizes client confidence in their financial plans. In his personal time, James enjoys board games, family activities, golf, painting, parenthood, and caring for pets.