Roy Casper is a financial advisor with LPL Financial in Clifton Park, NY, holding the ChFC® and Series 63 designations and having 42 years of industry experience. He has previously worked at Cadaret, Grant & Co., Inc., Princor, Unum Provident Mutual, Guardian Life Insurance, and Specific Solutions. Outside of his advisory work, he maintains business activities related to non-variable insurance with Unum Provident Mutual, Guardian Life Insurance, and Specific Solutions, Inc. 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 a range of financial planning and advisory programs, supporting both discretionary and non-discretionary management, and provides model portfolios, research, and various institutional and participant advice services.

Robert Ely is a financial advisor with LPL Financial based in Saratoga Springs, NY. He holds Series 63 and Series 66 credentials and has 13 years of industry experience. His prior roles include positions at Key Investment Services LLC, KeyBank, and State Farm VP Management Corp. Ely is also a notary affiliated with NBT Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, research, and technology-driven strategies.

Gregory Hollander is a financial advisor with Raymond James Financial Services Advisors Inc., holding a Series 66 designation and 14 years of industry experience. He has been with Raymond James since 2012 and also maintains a concurrent role at High Point Trading since 2014. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a unique municipal advisor affiliation.

Whitney Walker is a financial advisor with LPL Financial holding a Series 66 designation and three years of industry experience. Prior to joining LPL Financial in 2025, Whitney worked at Goldman Sachs & Co LLC for three years and KeyBank for three years. Whitney is also involved with Tennant Financial, an entity related to their LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including retirement plan consulting and brokerage services, supported by research and model portfolios.

Michael Dierolf is a Financial Advisor with Merrill Lynch Wealth Management specializing in assisting individuals, families, and business owners with financial planning and wealth management strategies. He focuses on areas including college education planning, family wealth management, legacy planning, managing new wealth, personal retirement planning, portfolio management, tax minimization, and retirement income. He holds a Bachelor's Degree from Le Moyne College and has earned professional designations including Accredited Asset Management Specialist (AAMS), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Michael applies a disciplined, long-term perspective influenced by his experience as a former collegiate swimmer in his approach to financial planning and investing. Outside of his professional responsibilities, Michael enjoys adventure sports such as camping, hiking, pickleball, rock climbing, skiing, swimming, and volleyball. He values building trusted relationships with clients through a thoughtful and personalized approach, aiming to provide clarity and support to help clients navigate complex financial decisions with confidence.

Nathan Phang is a financial advisor at Equitable Advisors with a Series 66 designation. He has one year of industry experience, including prior roles at Adelvia and TAG Solutions. Equitable Advisors serves a diverse client base including individuals, retirement plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and various asset management programs. The firm utilizes a range of advisory models implemented by third-party sponsors and emphasizes matching clients to appropriate investment strategies without advertising hypothetical performance.

Warren O'Connor is a financial advisor at Edward Jones in Saratoga Springs, NY, holding a Series 66 designation with 11 years of industry experience. He has been with Edward Jones since 2014. Outside of his advisory work, he is associated with a family farm in Chateaugay, NY. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of over 23,000 financial advisors.

Christopher Nyhan is a financial advisor with Edward Jones in Burnt Hills, NY, holding a Series 63 designation and 20 years of industry experience. He has been with Edward Jones since 2005. Nyhan serves on the board of trustees for Turtle Island Trust and holds leadership roles in local community organizations, including the Burnt Hills-Ballston Lake Education Foundation and the Burnt Hills United Methodist Church investment and endowment committees. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, supported by a large network of financial advisors and branch offices, and operates under a fiduciary standard.

Michael O'Toole III is a Wealth Management Advisor at Merrill Lynch Wealth Management, specializing in retirement planning and serving corporate executives, affluent individuals, and families across 20 states. He leads a designated Retirement Planning advisory team and offers portfolio management services tailored to clients' financial objectives. Michael began his career at Merrill Lynch in 1993 after completing his military service and has held leadership roles including Resident Manager of the Pittsfield, Massachusetts office. He holds a Bachelor's degree from the United States Military Academy at West Point and has earned several professional designations including Certified 401(k) Professional (C(k)P^®^), Certified Investment Management Analyst (CIMA^®^), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Michael has also completed investment courses at the University of Chicago Booth School of Business and Stanford University's Graduate School of Business. Michael is active in his community, serving on various boards in the Capital Region and currently sitting on the U.S. Military Academies selection committee for his local U.S. Congressman. He has also been involved with the Save the Children committee. Michael resides in Clifton Park with his wife Anja and their two sons.

Anthony Capobianco is a financial advisor with Cetera who holds the Series 63 designation and has 44 years of industry experience. His career includes roles at Cetera Wealth Services, LLC and Tower Square Securities, Inc. He is the principal and owner of Capobianco & Associates, LLC, and has engaged in insurance sales since 1980. Outside of finance, he serves as treasurer for a homeowners association and is a part owner of several racehorses. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individual investors, retirement plans, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a large network of independent advisors and utilizes a multi-manager platform with diverse program options.

William Jackowski Jr. is a financial advisor at Raymond James & Associates with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Raymond James since 2015. He also serves as a trustee for the Jackowski Family Trust. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing roughly $501 billion in assets. The firm serves diverse clients including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and municipal advisory services.

Daniel Tidd is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, since 1999. Outside of his advisory role, he serves as an administrator or executor of estates and trustee of trusts for family and non-family members. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, charitable organizations, and institutional clients. The firm employs a range of advisory models delivered through Investment Adviser Representatives and third-party managers, offering a variety of investment products including mutual funds, ETFs, separately managed accounts, and select alternative investments.

Colleen Hamel is a financial advisor with LPL Financial in Saratoga Springs, NY, holding a Series 63 designation and 23 years of industry experience. She has worked at LPL Financial since 2011 and has prior experience with Uvest Investment Services and Glens Falls National/Saratoga National Bank. Outside of advisory work, she is also affiliated with Mass Mutual Albany and serves in investment-related roles at Saratoga National Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves 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, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Timothy Irwin serves as a Senior Financial Advisor, leading the Franke Stento Mohan Irwin Group at Merrill Lynch Wealth Management. He and his team provide goals-based wealth management services to affluent families, accomplished professionals, and successful business owners nationwide, focusing on cultivating long-lasting relationships through exceptional service, customized advice, and disciplined investment approaches. Before transitioning to wealth management, Timothy spent over eight years on the sales teams of two major asset managers in downtown Boston. He holds a Bachelor of Science degree in Finance from Siena College in Loudonville, NY, where he also participated in the rugby team and remains active in the Siena College Rugby Football Club. His professional designations include Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Originally from the Hudson Valley, Timothy currently resides in Niskayuna, NY with his wife Kelsey, daughter Charlie, and their yellow lab Doug. His personal interests include golf, skiing, boating, fishing, traveling, rugby, and fitness. He is involved in the community through Habitat for Humanity.

Amanda Friedman is a financial advisor at LPL Financial with 13 years of industry experience. She holds the Series 63 designation and has been with LPL Financial since 2011. Outside of her advisory role, she is a business owner of Chocolate Horse Stable, a non-investment-related venture. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and a variety of portfolio strategies.

William Canale is a CFP® professional with 38 years of experience in financial advisory. He is currently with Ameriprise Financial Services LLC and previously worked at Quartz Partners Investment Management and Etico Wealth Management. Ameriprise provides retirement-income planning services focused on individuals approaching or in retirement with substantial investable assets, delivering tailored, research-driven recommendations through a centralized consulting team that combines modeling and tax-efficiency analysis.

Harrison Xu is a financial advisor with LPL Financial, holding a Series 66 credential and bringing 11 years of industry experience. Prior to joining LPL Financial in 2025, he worked at Bank of America, N.A. and Merrill from 2015 to 2025. LPL Financial is a registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network. The firm offers various advisory programs, financial planning, and brokerage services supported by proprietary and third-party research, with both discretionary and non-discretionary management options.

Michael Frontera is a CFP® and ChFC® with 22 years of industry experience. He is currently an advisor at Cambridge Investment Research Advisors, where he has worked since 2019. Prior to that, he spent 16 years at Equity Services Inc. In addition to his advisory role, Frontera owns Retirement Theory, through which he acts as an independent insurance agent and provides tax preparation and accounting services. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement advisory services. The firm utilizes a variety of portfolio management strategies and delivery platforms, combining proprietary models with access to unaffiliated strategists.

Wayne Stevens is a financial advisor with Morgan Stanley in Saratoga Springs, NY, holding a Series 66 designation and 14 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2011 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

Kimberly Scott is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 19 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.