Kevin Newman is a CFP® professional with 23 years of industry experience, currently serving as a financial advisor at OSAIC since 2018. Prior to this, he spent 11 years at Signator Investors, Inc. and has been involved with Associates of Clifton Park since 2003, where he holds a Vice President role focused on wealth strategies. Newman also operates a financial planning LLC, Newman & Associates, which he markets as part of his advisory services. OSAIC serves a diverse client base including individual and high-net-worth investors, institutions, and charitable organizations, offering integrated brokerage and advisory services through a large network of affiliated advisers. The firm employs asset-allocation tools, risk-tolerance analysis, and automated rebalancing to build portfolios across a range of securities and also supports legacy platform programs and third-party managed-account solutions.

Stephen Carleton is a financial advisor at LPL Financial with 22 years of industry experience and holds a Series 66 designation. He previously worked at Janney Montgomery Scott for ten years before joining LPL Financial in 2025. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning services, and brokerage solutions, utilizing both discretionary and non-discretionary management with access to proprietary and third-party research and model portfolios.

Alexander Klein is a financial advisor at Equitable Advisors with three years of industry experience. He holds a Series 66 designation and has worked at several companies including DoorDash and CED-Greentech Renewables prior to his current role. Equitable Advisors serves a broad client base including individuals, high-net-worth clients, retirement plans, and institutions, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates primarily through LPL-sponsored programs and third-party managers, providing a mix of discretionary and non-discretionary management solutions.

Steven Tennant is a CFP® professional affiliated with LPL Financial, with 29 years of industry experience. Prior to joining LPL Financial in 2025, he spent nearly three decades at Northwestern Mutual in various capacities, including wealth management and investment management. Tennant is also involved in business activities through TBW Holdings, LLC. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm provides a range of advisory programs and financial planning services using both discretionary and non-discretionary management strategies supported by extensive research and model portfolios.

Edward Budd is a financial advisor with Charles Schwab based in Saratoga Springs, NY, holding Series 63 and Series 65 licenses and 31 years of industry experience. His prior roles include positions at TD Ameritrade, Scottrade, and Charles Schwab Bank. Outside of his advisory work, he occasionally participates in local and national kayak bass fishing tournaments. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary advice and access to discretionary separately managed accounts, supported by extensive research and a multi-asset investment approach.

Douglas Brady is a financial advisor at OSAIC with 28 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for American Portfolios Financial Services for 14 years before joining OSAIC. Outside of his advisory role, he owns Champlain Wealth Management, an insurance business focused on processing insurance applications. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage, investment advisory services, and access to third-party money managers. The firm uses firm-provided asset-allocation tools, risk assessments, and automated rebalancing to construct portfolios across multiple asset classes, managed on discretionary or non-discretionary bases.

Breanna Lundy is a CFP® and holds a Series 66 designation with Edward Jones, where she has worked since 2010, totaling 16 years of industry experience. Outside of her advisory role, she serves as an educator providing academic counseling to middle school students and holds a part-time position as a county councilman. She is also co-owner of a family farm that sells grass-fed beef. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, with a broad offering that includes both discretionary and non-discretionary investment strategies, separately managed accounts, and affiliated mutual funds. The firm operates under a fiduciary standard and maintains one of the largest advisor and branch networks in the industry.

Alyssa Hicks is a financial advisor with Primerica Advisors in Clifton Park, NY, holding a Series 63 designation and over 25 years of industry experience. Her work history includes roles at PFS Investments Inc. and Primerica Financial Services since 1999, as well as positions at McKenna & Franck PC and Lynch Lovell. Outside of her advisory role, she is the owner and president of a delivery service business and a consultant for health and wellness products. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap-fee structure for its services.

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.

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.

John Daley is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and 27 years of industry experience. He has been with OSAIC since 2024 and previously worked at UBS Financial Services for 22 years. Outside of his advisory role, he is involved in several book sales and publishing ventures and has a contractual agreement for selling green energy production systems. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a large network of affiliated advisers and advisory platforms. The firm offers integrated brokerage and advisory services with a focus on asset allocation, risk management, and access to third-party money managers and unified managed accounts.

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 with Equitable Advisors in Corinth, NY, holding a Series 66 designation and 12 years of industry experience. He has been with Equitable Advisors since 2013, previously affiliated with Axa Advisors LLC. Outside of his advisory work, he serves on the Stewarts MYO Scholarship Selection Committee and is a volunteer board member for Northern Rivers. Equitable Advisors provides financial planning, retirement-plan support, and access to asset management for individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm operates a hybrid referral and implementation model, utilizing third-party asset managers and delivering both advisory and brokerage services tailored to client goals and risk tolerance.

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.

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 at J.P. Morgan Securities with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at JPMorgan Chase Bank, N.A., Bank of America, N.A., and Merrill. Outside of finance, he was involved with the Brazilian Capoeira Center of Saratoga LLC for seven years. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations through a non-discretionary program supported by an in-house manager solutions team and centralized due diligence.

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.

Justin Staie is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 11 years of industry experience. He previously worked at Merrill for seven years and M&T Securities for one year before joining LPL Financial in 2021. 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 adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by proprietary research and third-party models.