Brian Cumming is a financial advisor at Equitable Advisors with 13 years of industry experience. He holds the Series 66 designation and has worked at Equitable Advisors since 2013, including time at Axa Advisors LLC. Outside of his advisory role, he serves on the Stewarts MYO Scholarship Selection Committee and is a volunteer member of the Board of Directors for Northern Rivers. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset-management programs. The firm employs a range of advisory models, including third-party TAMPS and discretionary management, and provides ERISA fiduciary services through credentialed advisors.

Lawrence Spagnola is a financial advisor at Osaic Wealth, Inc. with 41 years of industry experience. He holds a Series 63 designation and has worked at FSC Securities Corporation and his own firm, Spagnola & Spagnola, where he has been active for over 30 years. Osaic Wealth serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm combines brokerage and advisory services with various investment platforms and utilizes asset-allocation tools, risk-tolerance assessments, and managed-account solutions.

Richard White is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 designations and has 38 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning through its network of Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and methodologies.

Michael Nelson Jr. is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 15 years of industry experience. He has worked at Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm operates on a large scale with a broad range of brokerage and advisory solutions.

Stephen Aguglia is a financial advisor with Morgan Stanley in Saratoga Springs, NY, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2011 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, emphasizing tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client relationships and corporate financial planning agreements.

Thomas Mccormick is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career at Merrill Lynch in 2011 and focuses on offering a comprehensive approach to managing wealth that starts with listening to clients' needs to ensure strategies are aligned with their goals. Thomas specializes in developing strategies and providing investment guidance for individuals, families, and businesses by understanding their short- and long-term financial objectives. His areas of expertise include executive compensation, equity compensation services, family wealth management strategies, legacy planning, personal retirement planning, philanthropic planning, portfolio management, individual and corporate investment strategy, tax minimization, and retirement income. He holds the CERTIFIED FINANCIAL PLANNER (CFP) certification and the Personal Investment Advisor (PIA) designation. He earned a bachelor's degree in Business Administration from The College at Brockport, SUNY, in 2011, where he also played varsity baseball. He completed his MBA in Economic Crime and Fraud Management at Utica University in 2013, where he served as the Graduate Assistant baseball coach. Thomas resides in Malta, NY, with his wife and two children. Outside of work, he enjoys cooking, golfing, and spending time with his family.

Nicolas De Troye is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. He previously worked at Bank of America and Merrill from 2015 to 2023. Outside of finance, he was involved with the Brazilian Capoeira Center of Saratoga LLC for seven years. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, using a quantitative asset-allocation approach combined with centralized due diligence and an ESG eligibility framework.

Gail Distefano is a financial advisor with Morgan Stanley in Saratoga Springs, NY, holding a Series 63 designation and bringing 37 years of industry experience. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery conversations and proprietary tools, with an emphasis on advisory services without individual security recommendations as part of standalone planning.

Robert Woodcock is a CFP® and ChFC® with 39 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked with AXA Advisors, LLC. He is also a partner at BRKLYN Equity LLC. Equitable Advisors serves individual and institutional clients, offering financial planning, retirement plan consulting, and asset-management programs. The firm utilizes a range of advisory models, including third-party managers and proprietary programs, to tailor solutions for its diverse client base.

Pamela Koniszewski is a Series 66-licensed financial advisor with Equitable Advisors, based in Malta, NY. She has been with Equitable Advisors since 2026 and previously worked at Hamilton Parc and Shaker Pointe at Carondelet. Equitable Advisors serves a diverse 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, utilizing a range of proprietary and third-party investment solutions.

Jessica Klucka is a financial advisor at Equitable Advisors with 10 years of industry experience. She has held roles at Equitable Advisors since 2015 and previously worked with Axa Advisors LLC. Klucka also serves as an administrator or executor of estates and trustee of trusts. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm utilizes a network of Investment Adviser Representatives and offers a range of investment programs, including firm-offered and third-party advisory solutions.

Brad Hipsley is a financial advisor at OSAIC with one year of industry experience. He has worked at Champlain Wealth Management and previously held positions with the Arizona Diamondbacks and Stony Brook University. OSAIC serves a diverse client base including individuals, institutions, and charitable organizations through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services with a range of portfolio management options and access to third-party money managers.

Ryan Dalbey is a financial advisor at Equitable Advisors with three years of industry experience. He holds the Series 66 designation and has prior work experience in various roles including at Adirondack Beverages and SUNY Adirondack. Equitable Advisors serves individual clients across wealth levels, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm provides financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives, utilizing both proprietary and third-party investment programs.

William Rauch is a financial advisor at Edward Jones in Saratoga Springs, NY, holding a Series 66 designation. He has one year of industry experience and previously worked at Albany Medical Center and NYS ITS. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Madeline Butler is a Series 66 licensed financial advisor with Edward Jones, bringing three years of industry experience. Prior to joining Edward Jones, she worked at Spencer Gifts LLC and has been involved with the Glens Falls Association for the Blind. 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 solutions, supported by a nationwide network of approximately 23,701 financial advisors.

Ryan Mcauliffe is a financial advisor with Equitable Advisors in Malta, NY, holding a Series 66 designation and 11 years of industry experience. He has been with Equitable Advisors since 2015 and previously worked at Axa Advisors LLC. He is also a member of Pace Financial Partners, LLC. Equitable Advisors serves a diverse client base including 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 and third-party managers.

Mary Hogan is a financial advisor at Merrill with 17 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Morgan Stanley and Ayco. 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.

Alex Cunningham is a Series 66 licensed financial advisor with two years of industry experience, currently serving clients at Equitable Advisors. Prior to joining Equitable Advisors in 2024, he held roles at Plug PV and various service positions. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm utilizes a range of advisory programs and third-party asset managers to tailor investment solutions based on client information and risk tolerance.

Luke Schrader is a financial advisor with Equitable Advisors and holds a Series 66 designation. He has two years of industry experience and previously worked at Paychex Payroll Company and Brightview Landscapes. He serves as power of attorney to his grandmother. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm’s advisory processes include matching clients to program models or discretionary managers, utilizing both proprietary and third-party investment options.

Ralph Giwerc is a financial advisor at Equitable Advisors with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Equitable Advisors and its predecessor, AXA Advisors, since 1999. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides financial planning, retirement plan consulting, and various asset-management programs, utilizing both in-house and third-party advisory solutions.