Desmond Tavera is a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management. He provides a range of services including wealth planning, investment advisory, and banking services through Bank of America, N.A. He manages custom investment strategies and collaborates with clients' accountants and attorneys to align financial strategies with their unique goals. As part of a team with extensive experience, he helps individuals, families, and business owners reach their financial objectives. He holds several professional designations including Certified Exit Planning Advisor (CEPA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Desmond earned his bachelor's degree from the State University of New York at Plattsburgh and is fluent in English and Spanish. He is a member of the Hispanic/Latino Organization for Leadership & Advancement. Desmond is actively involved in his community, volunteering with organizations such as the Mohawk Hudson Humane Society and the Regional Food Bank of Northeastern New York. His personal interests include baseball, boating, fishing, football, golfing, hiking, skiing, surfing, traveling, and yoga.

Stephen Bronder is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and 14 years of industry experience. He has been with Equitable Advisors since 2011 and previously worked with Axa Advisors LLC. Outside of his advisory role, he is a partner at HMS Agency P&C Insurance in Albany, NY. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party managers. The firm uses a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on clients’ goals, risk tolerance, and time horizon.

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.

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.

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.

Maureen Parker is a financial advisor at Charles Schwab with 29 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Charles Schwab since 2016. Her prior experience includes roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of advisory work, she serves on the marketing committee for fundraising events at the Saratoga Performing Arts Center. Charles Schwab 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 offers a combination of non-discretionary advisory guidance and access to affiliated discretionary separately managed accounts, supported by a multi-asset investment approach and centralized operational infrastructure.

Jeffrey Simays is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. His professional background includes roles at Bank of America and several automotive dealerships. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base, including individuals, high-net-worth clients, and institutional fiduciaries. The firm’s platform integrates with Bank of America’s broader corporate services and access to a wide range of investment products.

Scott Calhoun serves as a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has been employed since 2006. With a career in financial services beginning in 1996, he offers clients expertise in areas such as portfolio management services, retirement planning, family wealth management strategies, legacy planning, education planning, and employee benefits planning. Scott is a qualified Portfolio Manager and holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He earned a bachelor's degree in mathematics from Siena College and holds a master's degree from the College of Saint Rose. Residing in Burnt Hills with his wife Melissa and their four boys, Scott is active in his community, participating in volunteer activities such as delivering meals for Equinox at Thanksgiving and volunteering with his sons at their church. His personal interests include golfing, billiards, ice skating, music, racquetball, skiing, tennis, traveling, and spending time with his family.

Richard Martino is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. Prior to joining LPL in 2021, he worked at Goldman Sachs & Co. LLC and spent over two decades at The Ayco Company, L.P./Mercer Allied. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers financial planning, various advisory programs, and retirement consulting, utilizing discretionary and non-discretionary management supported by proprietary research and third-party subadvisors.

Scott Ferguson is a financial advisor at LPL Financial with 31 years of industry experience. He holds a Series 63 credential and has worked previously at Cadaret, Grant & Co., Inc. from 2018 to 2025, as well as earlier at LPL Financial from 2013 to 2017. Outside of his advisory role, he is involved with Champlain Capital Planning, Ltd. 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. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management with access to model portfolios, third-party research, and advanced portfolio strategies.

Mark Edwards Sr. is a financial advisor with Primerica Advisors in Clifton Park, NY, holding a Series 63 designation and 22 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2004. Outside of his advisory work, Edwards is involved in non-investment ventures including an outdoor adventure business, Rolling Bones Outfitters, LLC, and coordinates operations for JKR Windows, a window installation and replacement company. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, as well as corporate and charitable clients. The firm employs model-delivery strategies managed by unaffiliated asset managers and supports account custody and trade execution through BNY Mellon Advisors and Pershing.

Sean Richardson is a financial advisor at Equitable Advisors with seven years of industry experience. He holds a Series 66 designation and has worked at Equitable Advisors since 2018, following a prior role at AxA Advisors. Richardson attended St. Lawrence University from 2014 to 2018. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage channels to implement client recommendations.

Matthew Stephenson is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with LPL Enterprise since 2024 and has a longstanding career at Pruco Securities, LLC and Prudential Insurance Company of America dating back to 1989. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, consulting, and access to various investment programs and products, utilizing an integrated platform that combines adviser programs with active sales of financial products, including insurance.

Belinda Kucharski is a financial advisor with Cetera, holding a Series 63 designation and 27 years of industry experience. She has worked at Cetera Investment Advisers and Cetera Financial Specialists since 2016 and is the owner of BCK Asset Management. Outside of her advisory work, she volunteers with Captain Community Human Services, where she teaches classes and facilitates connections for local business owners, and hosts a networking group called Connections. Cetera Investment Advisers LLC serves individual and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, planning, and retirement services with access to both affiliated and third-party managers across multiple program structures.

Julia Mccurdy is a financial advisor at Morgan Stanley with 26 years of industry experience and holds Series 63 and Series 65 designations. She has worked at Morgan Stanley and its predecessor firms since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and modeled outcomes. The firm manages approximately $2.74 trillion in client assets and operates with a broad suite of retail and institutional investment services.

Travis Kellman is a CFP® professional with 20 years of industry experience. He is currently affiliated with LPL Financial and previously worked at Next Financial Group, Inc. and Ameriprise Financial Services, Inc. Kellman is involved in Pinnacle Insurance and operates Kellman Barnes Wealth Management, LLC. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by extensive research and technology.

Laura Brunetti is a financial advisor with Cetera, holding the CFP® designation and Series 63 license, and has 12 years of industry experience. She is affiliated with multiple entities, including Cetera Advisors LLC and CCR Wealth Management, and has a background that includes roles at Empire Asset Management Group of Western NY and Abelson and Company, LLC. Brunetti also works as an insurance agent providing fixed insurance products such as life, health, disability, annuities, and long-term care coverage. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, including discretionary and non-discretionary strategies, and provides access to third-party money managers.

Walter Mcnall is a financial advisor with Primerica Advisors in Clifton Park, NY, holding a Series 63 designation and 12 years of industry experience. He has been with Primerica Advisors since 2014 and is also associated with St. Joseph's Provincial House since 2013. Outside of his advisory role, he works as a self-employed driver for Uber Technologies Inc. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and a limited selection of separately managed accounts for individual and high-net-worth clients. The firm uses third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, operating primarily on a tiered wrap-fee structure.

Angela Aruanna is a financial advisor at Equitable Advisors with two years of industry experience. She holds the Series 66 designation and has worked at Equitable Advisors since 2023. Her prior experience includes roles at University at Albany, Small Enterprise Assistance Funds, Abercrombie Kids, and Hollister. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and a broad roster of third-party asset managers. The firm operates a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.

Thomas Babcock is a financial advisor with LPL Financial, holding a Series 63 designation and over 45 years of industry experience. He has been with LPL Financial since 1995 and has operated Thomas Babcock Investment Advisors, LLC since 2006. Outside of his advisory work, he is involved in non-variable insurance activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios and research from both internal and third-party sources.