Lisa O'Connor serves as a Wealth Management Advisor at Merrill Lynch Wealth Management, where she partners with clients to develop personalized financial strategies tailored to their long-term goals. She specializes in managing wealth through a comprehensive approach that involves understanding clients' financial situations and priorities, then crafting flexible strategies that adapt to changing needs and market conditions. Lisa leverages the investment insights of Merrill and the banking solutions of Bank of America to address various facets of clients' financial lives. Her expertise centers on guiding clients through significant financial milestones, including divorce transition planning, personal retirement planning, and retirement income. She is committed to supporting both pre-retirees and retirees through customized planning processes covering wealth accumulation, retirement income, wealth preservation, and intergenerational wealth transfer. Lisa holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She earned her Bachelor's degree from Siena College. Outside of her professional role, Lisa participates in community activities such as Hope in the Boat, a breast cancer survivor dragon boat team, and is affiliated with the Galway Lake Campers Association. Her personal interests include antiquing, biking, boating, and gardening.

Shireen Kafiluddi is a financial advisor at Merrill with nine years of industry experience and holds a Series 66 designation. She has been with Merrill since 2015 and also has worked at Bank of America, N.A. since 2022. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm is integrated into Bank of America’s platform, enabling access to a broad set of financial products and services.

Christine Ormsbee is a financial advisor with Merrill in Clifton Park, NY, holding Series 63 and Series 65 licenses and 19 years of industry experience. Prior to joining Merrill in 2018, she worked at LPL Financial from 2012 to 2018. She serves as a board member of the Shellstrong Foundation, a charitable organization that supports children and families receiving treatment at Albany Med and offers camp experiences through Double H Ranch. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Andrea Scott is a financial advisor with Primerica Advisors in Clifton Park, NY, holding Series 63 and Series 65 licenses and six years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 2019. Outside of her advisory role, she works as a self-employed IRS tax professional. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of discretionary separately managed accounts to individual and high-net-worth clients. The firm focuses on a tiered wrap-fee structure and curates third-party asset managers to implement various investment models.

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 a Series 66 designation and has prior work experience at the University of Tampa and in roles at golf clubs, including Saratoga National Golf Club where he serves as a golf shop attendant. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, offering financial planning and access to asset management through third-party programs. The firm employs a hybrid referral and implementation model, providing both advisory and brokerage services.

Craig Cornwell is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds a Series 66 designation and has 19 years of industry experience. His prior work includes roles at Cantella & Co., Inc. and The Ayco Company, L.P./Mercer Allied. He is also licensed as a non-variable insurance agent. Raymond James Financial Services Advisors, Inc. serves a wide range of clients including individual investors, high-net-worth and non-high-net-worth clients, pension and profit-sharing plans, charitable organizations, corporations, and municipal entities. The firm provides financial planning and non-discretionary investment consulting, emphasizing tailored financial plans developed through detailed client interviews and risk assessments.

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.

James Hicks is a financial advisor with Primerica Advisors in Clifton Park, NY, holding a Series 63 designation and 26 years of industry experience. He has been with Primerica Advisors since 1999 and Primerica Financial Services since 1998. Outside of his advisory role, Hicks is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and discretionary separately managed accounts for individual and high-net-worth clients. The firm uses third-party asset managers and provides a wrap-fee solution with a tiered percentage-based fee structure.

John Costantino Jr. is a financial advisor at Raymond James Financial with 32 years of industry experience. He holds Series 63 and Series 66 designations and has been associated with Raymond James in various capacities since 1999. He is also the owner of High Point Trading & Consulting, a support company based in Saratoga Springs, NY. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm provides financial planning and non-discretionary investment consulting, utilizing asset-allocation analysis and firm research to tailor recommendations while maintaining client decision authority.

Thomas Appleton is a financial advisor at OSAIC with 43 years of industry experience. He holds a Series 63 designation and has previously worked at Securities America Advisors, Inc. and Securities America, Inc. since 2000. Appleton is also the managing member of Diamond Financial Services, an independent insurance business focusing on life insurance and long-term care needs. OSAIC serves a diverse clientele including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a broad network of financial advisers and advisory platforms. The firm offers integrated brokerage and advisory services, employing asset-allocation tools, risk-tolerance assessments, and managed portfolios that include a range of investment products.

Alex Pinn is a CFP® with 11 years of industry experience, currently serving as a financial advisor at Edelman Financial Engines. He previously worked at Northwestern Mutual in various roles from 2013 to 2022. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios and serves a large client base through advisor-led and online offerings.

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.

Lee Wilson is a Senior Financial Advisor at The SiRiCa Wealth Management Group and Merrill Lynch Wealth Management. She has been with the firm since 2009, bringing over ten years of experience in the financial services industry. Lee holds dual bachelor's degrees in administration of justice and sociology from Pennsylvania State University, as well as a juris doctorate from the University of Pittsburgh School of Law. While she does not provide legal advice in her role, she reviews clients' estate strategy documents and assists with portfolio reviews, retirement needs analyses, Social Security collection strategies, and coordination of insurance coverage. She holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Lee and her husband, Tim, reside in Halfmoon, New York, with their two children. She is involved with community organizations including Hannah's Hope Fund for GAN and Junior Achievement of Northeast New York.

Michael Lafleche is a financial advisor at LPL Financial with 34 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at First Allied Advisory Services, Inc. and First Allied Securities, Inc. for 14 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives, offering a range of advisory programs, financial planning, and brokerage services.

Colin Tidings is a financial advisor with Equitable Advisors, holding a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, he worked at Sysco, NDCP, UPS, and has served in the Army Reserves since 2015. He is a board member of the Capital Region Veterans Memorial and the McNulty Veteran Business Center. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through various third-party programs. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels.

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.