Breanna Lundy is a CFP® professional with 16 years of experience at Edward Jones, where she has worked since 2010. Her other roles include serving as a county councilman in Clay County, Indiana, and working part-time in education counseling for Walton County Schools. She is also co-owner of a family farm that sells grass-fed beef. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment options supported by a nationwide network of financial advisors and branch offices.

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.

Roman Jarosh is a financial advisor with LPL Financial in Queensbury, NY, holding a Series 63 designation and 49 years of industry experience. He previously spent 40 years at Cadaret, Grant & Co., Inc. Outside of his advisory role, he has engaged in investment-related activities including the sale of mutual funds, annuities, insurance products, and asset management programs. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and third-party asset management, supported by extensive operational tools and a broad platform of financial products.

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.

Brandon Crist is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 licenses and nine years of industry experience. He has been with Equitable Advisors since 2017 and previously worked at Axa Advisors LLC. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset management programs. The firm utilizes a range of advisory models and third-party asset managers, providing services that include ERISA fiduciary support through credentialed representatives.

Daniel Hazewski is a financial advisor with LPL Financial based in Glens Falls, NY, holding a Series 63 designation and 33 years of industry experience. He has been with Linsco/Private Ledger since 2004. Hazewski also operates a non-variable insurance business under the name Legacy Planning Partners, LLC. 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 advisory and brokerage services, including financial planning, model portfolios, and access to third-party asset management, supported by extensive operational tools and a diverse platform of offerings.

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.

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.

Neil Lajeunesse is a financial advisor with Cetera who holds a Series 63 designation and has 42 years of industry experience. He has been with Cetera and its affiliate Cetera Wealth Services, LLC since 2013. In addition to his advisory role, he is an independent insurance agent specializing in fixed annuities and long-term care insurance. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and consulting services using a multi-manager platform that includes affiliated and third-party managers and provides various program structures and custodial relationships.

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.

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.