Lorraine Laczko is a financial advisor with Morgan Stanley in Saratoga Springs, NY, holding Series 63, Series 65, and Series 66 licenses and bringing 39 years of industry experience. She has worked with Morgan Stanley Smith Barney LLC since 2009 and with Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through Corporate Financial Planning agreements with employers.

Kiere Neulander is a CFP®-designated financial advisor with LPL Financial, based in Malta, NY, and has 16 years of industry experience. She has worked with LPL Financial since 2016 and has been associated with Pioneer Savings Bank since 2015. Neulander is also involved with Advisor Insurance Brokers, focusing on non-variable insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Kimberly Lawrence is a financial advisor with Raymond James & Associates in Saratoga Springs, NY, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She previously worked at Morgan Stanley for two years before joining Raymond James in 2013. 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, pension plans, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional advisory services.

Robert Bronk Jr. is a financial advisor with LPL Financial in Saratoga Springs, NY, holding a Series 63 designation and 34 years of industry experience. He has been with LPL Financial, formerly LINSCO/Private Ledger Corp., since 2002. Outside of his advisory work, he is involved in independent non-variable insurance sales and serves as a representative for NBT Bancorp. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, including model portfolios and third-party asset management, supported by extensive operational and research tools.

Danielle Cefalu is a financial advisor at Stifel with 13 years of industry experience and holds a Series 66 designation. She previously worked at Janney Montgomery Scott from 2015 to 2021 and has been with Stifel since 2021. Stifel serves a wide range of clients including individuals, institutional investors, and charitable organizations, providing both brokerage and investment advisory services. The firm’s investment approach is based on proprietary methodologies developed by its Investment Strategy Group, offering asset allocation and planning analyses intended as tools for client decision-making.

Philip Barnes II is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and eight years of industry experience. His career includes roles at Morgan Stanley Private Bank, N.A., Morgan Stanley, and Trustco Bank. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and financial planning services tailored to clients who meet certain net-worth criteria. The firm offers a broad range of planning services and integrates advisory recommendations with various financial product offerings.

Joseph Dimaggio is a financial advisor at LPL Financial with 15 years of industry experience. He holds a Series 66 designation and previously worked at Cadaret & Co., RBC Capital Markets, V2 Capital, and I2 I Analytics. Outside of advising, he is involved in non-variable insurance through Ash Brokerage. 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, third-party asset management, and institutional platforms, supported by extensive technology and a broad network of over 22,800 advisors.

Malika Goel is a financial advisor with Equitable Advisors, holding the Series 66 designation and beginning her advisory career in 2026. Prior to joining Equitable Advisors, she has held various roles in the service and hospitality industries. Outside of her advisory work, she continues to be involved in the restaurant sector. Equitable Advisors serves a broad client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing both firm-offered and third-party advisory solutions.

Anthony Medici is a financial advisor at Edward Jones with 15 years of industry experience. He holds Series 63 and Series 66 credentials. Prior to joining Edward Jones in 2021, he worked at Northwestern Mutual Investment Services LLC and Northwestern Mutual Life Insurance Company, as well as New York Life and New York Life Insurance Co. Medici is also an aircraft rental business owner with limited pilot check-out involvement. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large network of advisors and branch offices nationwide.

Madison Boisvert is a financial advisor at Raymond James & Associates with a Series 66 designation and one year of industry experience. Prior to joining Raymond James, Boisvert worked at Goldman Sachs & Co. LLC and Goldman Sachs Ayco. Outside of finance, Boisvert has been involved with H.U.R.B. Landscaping since 2014. 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, institutional investors, pension plans, and municipal entities, offering financial planning and consulting services supported by a nationwide adviser network.

Nicholas Rosebrook is a financial advisor with OSAIC holding a Series 66 designation. He has been in the industry since 2022, with prior experience at Premier Financial Management and Bank of America. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services through a large network of affiliated advisers, utilizing asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to build portfolios across various investment types.

Rachel Arata is a financial advisor at LPL Financial with 7 years of industry experience. She previously worked at Merrill for 8 years, and has additional experience at Eddie Bauer and Express. She holds the Series 66 designation. 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 portfolios, third-party asset management, and institutional platforms.

Christopher Spratt is a financial advisor with Equitable Advisors who holds Series 63 and Series 65 licenses and has 25 years of industry experience. His career includes prior roles at Ameriprise Financial Services, Mass Mutual Investors Services, MetLife Securities, and LPL Financial. He serves as a Foundation Board Member of Saratoga Bridges, a nonprofit organization supporting individuals with developmental disabilities. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm utilizes a range of advisory programs and third-party managers to deliver customized investment solutions without sponsoring its own wrap fee program.

Michael De Marco is a financial advisor at Edward Jones in Ballston Spa, NY, holding a Series 66 designation with four years of industry experience. Prior to joining Edward Jones in 2022, he worked at Syneos Health, Ronco, and Steris Corporation. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies, separately managed accounts, and affiliated mutual funds. The firm operates under a fiduciary standard and maintains a large national network of advisors and branches.

Richard Fanch is a CFP® professional with 30 years of experience in financial advising. He currently works at OSAIC and has held prior roles at Securities America Advisors and Cambridge Investment Research Advisors. In addition to his advisory work, he operates a tax preparation and accounting service. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated financial advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, retirement plan consulting, and access to various managed account solutions.

Ryan Sheridan is a financial advisor at Equitable Advisors with seven years of industry experience. He holds a Series 66 designation and has been with Equitable Advisors since 2019. His prior work experience includes positions outside the financial industry as well as a role at AxA Advisors. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and a variety of asset management programs. The firm employs a range of investment solutions through its network of Investment Adviser Representatives and third-party managers.

Robert Schermerhorn is a CFP® professional with 43 years of industry experience, currently affiliated with LPL Financial since 1994. He operates out of Saratoga Springs, NY. His outside activities include involvement with Saratoga Financial Services LLC, a non-variable insurance business, and RMS Realty Group Ventures LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services, including model portfolios, third-party asset management, and institutional platforms.

Stephen Rosamino is a Senior Vice President and Senior Financial Advisor with Merrill Lynch Wealth Management. He works closely with founders, CEOs, private business owners, and their families to coordinate all aspects of their financial lives, including wealth planning, investment management, liquidity events, access to private banking, and legacy planning. As a founding member of SEAM Wealth Management, he is part of a team dedicated to delivering a highly personalized client experience that addresses complex challenges such as business interests, family dynamics, charitable goals, and tax considerations. Prior to joining Merrill Lynch, Stephen spent nearly seven years with The Ayco Company, a Goldman Sachs firm, advising executives and high-net-worth families on complex financial planning. He holds a Master's Degree from the State University of New York System and a Bachelor's Degree from Siena College, and holds the Personal Investment Advisor (PIA) designation. Outside of his professional work, Stephen enjoys fishing, golfing, photography, and spending time with his family. He and his wife Jillian are involved in supporting organizations focused on education and community development, including Rebuilding Together Saratoga County and Siena College's Center for Private Wealth Management.

Ryan Olsen is a financial advisor at LPL Financial with two years of industry experience. He previously worked at Wells Fargo Bank, N.A. for six years and has a Series 66 designation. Olsen is based in Amsterdam, NY. 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.

Regan Delancey is a financial advisor at Morgan Stanley with six years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, Merrill Lynch, and Morgan Stanley Smith Barney. Outside of his advisory role, he manages a personally owned rental property. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.