Katherine Spratt is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 11 years of industry experience. Her prior experience includes roles at Janney Montgomery Scott LLC, Merrill, and The Ayco Company, L.P./Mercer Allied. 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 advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

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.

Joseph Milanese Jr. is a financial advisor with LPL Financial in Albany, NY, holding a Series 66 designation and one year of industry experience. Prior to joining LPL, he held positions in hospitality and education, including roles at BBL Hospitality, St John Fisher University, and Averill Park Central School District. 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 asset management services, supported by extensive advisory tools and a broad network of over 22,800 advisors.

Jack Miller is a financial advisor at Equitable Advisors with a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, he held various roles in education, retail, and small business sectors. Outside of advising, his background includes work in community-focused and entrepreneurial activities. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides financial planning, retirement plan consulting, and asset management through a network of advisors, utilizing both proprietary programs and third-party asset managers.

Kenneth Woods is a financial advisor with Fidelity Investments, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has been with various Fidelity entities since 2007, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. Fidelity's Strategic Advisers LLC, where Mr. Woods works, provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its advisory roles to multiple registered investment companies and its use of systematic methodologies and AI in portfolio management.

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.

Edward Kitchell is a financial advisor with Primerica Advisors in Saratoga Springs, NY, holding a Series 63 designation and 25 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2000 and owns Kitchell & Associates, Inc., through which he is involved in sales of investment-related and other home-related products. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and a limited number of separately managed account options primarily for individual and high-net-worth clients. The firm uses a tiered wrap-fee structure and curates third-party asset managers to implement its investment models.

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.

John Manne II is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and seven years of industry experience. He has worked at firms including Cadaret, Grant & Co., Inc., Northwestern Mutual, and R.J. McNamara Financial. Manne is involved with R.J. McNamara Financial in a non-variable insurance capacity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, offering access to model portfolios, third-party asset managers, and institutional platforms, supported by technology tools for research and operations.

Austin Deskewicz is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and four years of industry experience. Prior to joining LPL Financial in 2022, he held various roles including positions in hospitality and lacrosse organizations over a ten-year period. He serves as an assistant lacrosse coach at Albany Academy and works as a lacrosse coach outside of his advisory role. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by advanced operational tools.

Derek Bell is a financial advisor at LPL Financial with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at UBS Financial Services and Cadaret, Grant & Co., Inc. since 2004. Bell has operated Bell Financial LLC since 2005, which includes tax preparation and accounting services alongside his advisory work. 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 utilizing model portfolios, third-party subadvisors, and customized strategies, supported by extensive operational tools and a diversified platform that includes insurance and credit services.

Virginia Schnapp is a financial advisor with Morgan Stanley in Latham, NY, holding a Series 66 designation and 4 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 providing a wide range of advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and detailed modeling techniques in its financial planning process.

Brigitte Murphy is a financial advisor with LPL Financial in Latham, NY, holding Series 63 and Series 66 credentials and bringing 19 years of industry experience. Her prior experience includes roles at Key Investment Services LLC and earlier tenure at LPL Financial. Murphy is involved in multi-level marketing as a dietary supplement distributor. 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 various advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Thomas Brown is a CFP®-designated financial advisor with 39 years of industry experience. He is currently with LPL Financial and Pioneer Bank and previously led Brown Financial Management Group for 18 years. Outside of advising, he manages Brown Farms LLC, a family farm operation. 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 through a large network of representatives, utilizing model portfolios, third-party subadvisors, and customized strategies.

Candy Flynn is a financial advisor with Equitable Advisors in Malta, NY, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. Prior to her current role, she worked at AXA Advisors, Guardian Life Insurance, and UnitedHealthcare. 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 various asset-management programs through a network of Investment Adviser Representatives. The firm employs a model- and manager-based investment approach using both proprietary and third-party solutions and provides ERISA fiduciary services to qualified plans.

Rodney White is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and has previously worked at Charles Schwab Investment Advisory, Inc. and ThomasPartners, Inc. before joining Morgan Stanley in 2022. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning with a structured discovery process and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers a variety of investment and planning services through its extensive platform.

Robin Davey is a Series 66-licensed financial advisor with Equitable Advisors, where he has worked since 2003. He has 23 years of industry experience and previously worked at Axa Advisors, LLC for 17 years. In addition to his advisory role, Davey is a CPA and has been involved in tax preparation since 1981. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by providing financial planning, retirement plan consulting, and asset management programs. The firm utilizes a range of advisory models implemented by third-party managers and emphasizes a personalized approach based on client risk tolerance and plan objectives.

Mark Esslie is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 25 years of industry experience. He has worked at Cetera since 2019 and previously at Foresters Advisory Services LLC and Foresters Financial Services. Esslie is a board member for Averil Park Community Team, Inc., contributing organizational input. 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 financial planning services with multiple program options, utilizing both affiliated and third-party managers.

Dylan Sprague is a Planning Consultant at Fidelity Investments, a position he has held since 2025. In this role, he focuses on assisting individuals, families, and businesses in making informed decisions to support their long-term financial goals. Prior to joining Fidelity Investments, Dylan worked as a Financial Coach at Goldman Sachs Ayco from 2020 to 2025. Throughout his career, Dylan has specialized in financial planning and coaching, helping clients navigate complex financial situations with clarity and confidence. His approach emphasizes simplifying financial concepts to enable better decision-making. Outside of his professional responsibilities, Dylan enjoys engaging in activities such as baseball, boating, football, golf, spending time with family, and caring for pets.

Ryan Chenot is a financial advisor with LPL Financial in Albany, NY, holding Series 63 and Series 66 credentials and 11 years of industry experience. He has been with LPL Financial since 2019 and concurrently maintains a role at Capital Communications Federal Credit Union since 2009. 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 portfolio programs, third-party asset management, and institutional platforms.