Kristen Mahan is a CFP® professional with 17 years of industry experience, currently serving as a financial advisor at Raymond James & Associates. She previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC, totaling 16 years with those firms. Raymond James & Associates 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 municipal entities, offering financial planning and non-discretionary investment consulting through various specialized programs and a broad range of portfolio management styles.

John Costantino Jr. is a financial advisor at Raymond James Financial with 33 years of industry experience. He holds Series 63 and Series 66 credentials and has been associated with Raymond James Financial Services since 1999. He is also the owner of High Point Trading & Consulting, a business based in Saratoga Springs, NY. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm offers tailored, non-discretionary planning and uses analytical tools to support client goals, while also maintaining specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Thomas Appleton is a financial advisor with OSAIC, holding a Series 63 designation and 44 years of industry experience. He has worked with Securities America Advisors, Inc. and Securities America, Inc. for over two decades and is a managing member of Diamond Financial Services, where he focuses on life insurance and long-term care needs for clients in New York. OSAIC serves a range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct diversified portfolios tailored to client preferences.

Wendy Mitchell is a Series 66-credentialed financial advisor with Morgan Stanley, bringing eight years of industry experience. She has worked at Morgan Stanley since 2017 and previously at Wells Fargo from 2012 to 2017. Outside of her advisory role, she is a partner in an agricultural business called God Heard Our Whispered Wishes. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, combining tailored financial planning with investment management and other services.

Janet Labella is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 27 years of industry experience. She has been with LPL Financial since 2011. In addition to her advisory work, she is a licensed New York State notary and notarizes documents as needed. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a nationwide network of representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services, utilizing both discretionary and non-discretionary management along with model portfolios and research from multiple sources.

Brian Harwood is a financial advisor at LPL Financial with 12 years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones for five years before joining LPL Financial in 2018. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, corporations, and charitable organizations through a network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including model portfolios supported by LPL Research and third-party subadvisors.

Steven Herweyer is a financial advisor with LPL Financial, holding the ChFC® designation and Series 63 and 65 licenses, with 20 years of industry experience. He previously worked at H. Beck, Inc. and Med America Inc. in prior roles spanning from 2008 to 2019. Herweyer also engages as a speaker and serves as a trustee for a 401(k) plan. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a broad range of advisory programs, retirement plan consulting, and brokerage services, utilizing discretionary and non-discretionary management supported by model portfolios, research, and technology-driven strategies.

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.

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.

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.

Samuel Zimmerman is a financial advisor with Morgan Stanley in Latham, NY, holding Series 65 and Series 66 credentials and possessing 17 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, Zimmerman manages his high school class reunion account for the Gloversville High School. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and financial planning services supported by firm-approved tools and research.

Michael Triolo is a financial advisor with Morgan Stanley in Latham, NY, holding a Series 66 designation and bringing 12 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2018, following a nine-year tenure at Archview Investment Group LP. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

Stephen Bronder is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and 15 years of industry experience. He has worked at Equitable Advisors since 2011 and was previously with Axa Advisors LLC from 2011 to 2020. Outside of his advisory role, Bronder is a partner at HMS Agency P&C Insurance in Albany, NY. Equitable Advisors serves 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. The firm utilizes a variety of advisory models and offers ERISA fiduciary services to qualified plans, with a focus on third-party program sponsors and endorsed advisory platforms.

William Barry is a CFP® professional with seven years of industry experience, currently serving as a financial advisor at LPL Financial. His background includes roles at Goldman Sachs & Co. LLC and The Ayco Company, L.P./Mercer Allied. Outside of his advisory role, he has been involved with Clarkstown Recreation and Parks for six years. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers diversified financial planning and advisory programs supported by research, model portfolios, and various investment strategies.

Lori Haertel is a financial advisor at Morgan Stanley with 19 years of industry experience. She has held her current role since 2009 at Morgan Stanley Smith Barney and holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services that integrate planning methodologies such as Monte Carlo simulations and Secular Return Estimates.

David Fragomeni is a CFP® with 25 years of industry experience, currently serving as a financial advisor at OSAIC since 2024. He previously worked at Securities America Advisors and Securities America, Inc. for 12 years. Fragomeni is the owner of Fragomeni Insurance & Financial Services, Inc., and serves as the treasurer and a board member of the Saratoga Center for the Family, a local nonprofit organization. OSAIC provides a broad range of financial services to retail and institutional clients through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, utilizing firm-provided tools and multiple platforms to construct diversified portfolios across various asset classes.

Gretchen Meyer Thornton is a financial advisor with LPL Financial in Latham, NY, holding a Series 66 credential and 12 years of industry experience. Prior to joining LPL Financial in 2018, she worked at INVEST Financial Corporation from 2014 to 2018. She is a member of the Entrepreneur Organization. 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, financial planning, and brokerage services, with discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

Megan Merriam is a financial advisor at Ameriprise with seven years of industry experience. She holds a Series 66 designation and has been with Ameriprise since 2008, including her current role since 2020. Outside of her advisory work, she is involved with Fourstardave, LLC, where she provides financial planning and investment advice. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations primarily through a centralized consulting team.

James Meisner Jr. is a financial advisor with Morgan Stanley in Latham, NY, holding Series 63, 65, and 66 licenses and bringing 42 years of industry experience. He has been affiliated with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, following a prior role at Citigroup Global Markets starting in 1993. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning that utilizes firm-approved tools and scenario modeling. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-based financial planning services.