Ann Edsforth is a financial advisor at Charles Schwab with a Series 66 credential and experience in both the public and private sectors. Her background includes roles at the US Department of Housing & Urban Development and several financial institutions. She is based in Saratoga Springs, NY. 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 discretionary separately managed accounts and offers multi-asset model portfolios supported by in-house research and alternative investment due diligence.

Adam Pearsall is a CFP® with 25 years of industry experience, currently serving at Raymond James & Associates since 2026. Prior to joining Raymond James, he spent 22 years with UBS Financial Services. He holds board positions with the Adirondack North Country Association and Lower Adirondack Search and Rescue, and participates in the Silver Bay YMCA investment sub-committee; he is also Vice President of the G AND C P A Foundation. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipalities, providing tailored financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Kyle Devincenzo is a financial advisor at Vanguard Advisers with 12 years of industry experience. He holds Series 63 and Series 66 designations and has been with Vanguard and its affiliated entities since 2014. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and employer-sponsored retirement plan participants. The firm uses a goal-based, algorithm-driven approach with portfolios constructed mainly from Vanguard funds and ETFs, combining digital delivery and large-scale client servicing.

Kathleen Grasmeder is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 29 years of industry experience. She has worked with Morgan Stanley Private Bank since 2015 and has been with Morgan Stanley Smith Barney since 2009. Grasmeder also has experience at Citigroup Global Markets dating back to 1996. Outside of her advisory role, she serves as a trustee or co-trustee for a trust based in Langhorne, Pennsylvania. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a wide range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes that incorporate firm-approved tools and investment modeling techniques.

Shon Mclain is a financial advisor with Osaic Wealth, Inc. in Saratoga Springs, NY, holding a Series 63 designation and bringing 25 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, Massmutual Life Insurance Co, National Life Group, and Equity Services, Inc. Outside of his advisory work, he is a partial owner of thoroughbred racehorses. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of financial advisers. The firm provides integrated brokerage and advisory services with a focus on asset allocation, risk assessment, and portfolio management using various investment vehicles and third-party platforms.

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.

Michael Healy is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Equitable Advisors since 1999, including time when the firm operated as Axa Advisors, LLC. 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 through a network of Investment Adviser Representatives, utilizing a combination of proprietary and third-party advisory 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.

Daniel Grasmeder is a financial advisor with Morgan Stanley in Glens Falls, NY, holding a Series 66 designation and bringing 18 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients, including tailored financial planning supported by advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through Corporate Financial Planning agreements.

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.

Kristen Doyle is a financial advisor at Morgan Stanley with 19 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Merrill, Park Avenue Securities, Guardian Life Insurance, and The AYCO Company, L.P./Mercer Allied. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques to support client goals.

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.