Michael Bonanno is a CFP® with 40 years of industry experience, currently affiliated with Cetera since 2013. He also owns Bonanno Financial Advisors, providing financial planning and investment services. Additionally, he is a fractional owner of The Whiteface Lodge, a hotel rental property in Lake Placid, NY. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Ronald Bender Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 37 years of industry experience. He has previously worked at Citizens Securities, Inc. and Broadview Federal Credit Union. 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 wide range of advisory and brokerage services, including financial planning and access to model portfolios, utilizing a mix of discretionary and non-discretionary strategies supported by advanced research tools.

Michael Mareno is a financial advisor with LPL Financial in Albany, NY, holding a Series 63 credential and eight years of industry experience. Prior to joining LPL Financial in 2025, he worked for Cadaret, Grant & Co., Inc. for eight years. Mareno is also the owner of multiple business ventures including Rocsan Recovery Inc. and tax preparation services. 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 institutions. The firm offers a variety of financial planning and investment management solutions supported by its large network of investment adviser representatives and advanced research tools.

Casey Mirabile is a financial advisor with LPL Financial in Albany, NY, holding Series 63 and Series 65 licenses and five years of industry experience. Prior to joining LPL Financial in 2025, Casey worked at UBS Financial Services for five years and has experience in roles at GoDaddy and United Bank of Switzerland. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing a wide range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers diverse investment solutions including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advanced research tools and a broad network of over 22,800 advisors.

John Fiorita is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. He holds a Series 66 designation and previously worked at Bank of America and Merrill. Outside of his advisory role, he coaches a travel league Babe Ruth Little League team in Delmar, NY. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s IPS-driven approach incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

George Owusu is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and two years of industry experience. His prior experience includes roles at Northwestern Mutual and KeyBank. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering bundled advisory, brokerage, custody, and financial planning services through its Schwab Wealth Advisory wrap fee program and affiliated managed-account platforms. The firm’s integrated structure combines non-discretionary advisory relationships with access to discretionary separately managed accounts and a formal process for alternative investment offerings.

Katharine Charton is a financial advisor with LPL Financial in Albany, NY, holding Series 63 and Series 65 credentials and bringing 11 years of industry experience. Her prior roles include positions at Cambridge Investment Research, CETERA Advisor Networks, and Empire Asset Management Group. Outside of her advisory work, she operates a tax preparation and accounting service under the name Kate Charton, EA. 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 broad range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by a large network of investment adviser representatives and advanced research tools.

Matteo Curto is a Financial Advisor affiliated with Merrill Lynch Wealth Management. Raised in New York's capital region within a second-generation Italian American family, Matteo spent his early years working in his family's restaurant in Lake George. His experiences observing the challenges faced by small business owners and real estate investors influenced his career path towards financial advising. Matteo holds a Bachelor's Degree in Finance from Siena College, with a minor in Entrepreneurship and a concentration in Real Estate Investing. He offers expertise in areas including legacy planning, liquidity management, portfolio management, small business strategies, socially responsible investing, tax minimization, and retirement income. He is dedicated to empowering investors to diversify their portfolios, particularly guiding real estate investors and small business owners to integrate market investments with their core endeavors for sustainable growth. Outside of his professional work, Matteo enjoys football, golfing, reading, soccer, spending time with his family, and traveling. He holds the Personal Investment Advisor (PIA) designation.

Joanne Avella is a financial advisor with Wells Fargo Clearing in Albany, NY, holding Series 63 and Series 65 designations and bringing 46 years of industry experience. She has worked with Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Barbara Chizniak is a financial advisor at Merrill with 12 years of industry experience, holding Series 63 and Series 66 designations. She has been with Merrill since 2016. Outside of her advisory role, she serves as an advisory board member for Girls Inc. of the Greater Capital Region, a charitable organization in Schenectady, New York. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Ginger Renwick is a financial advisor at Merrill with nine years of industry experience. She holds a Series 66 designation and has been with Merrill since 2013. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Thomas Brockley is a financial advisor with RBC Capital Markets in Albany, NY, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He has been with RBC Capital Markets since 2010 and has also worked at City National Bank since 2016. Outside of finance, Brockley owns and actively manages a horse racing and breeding business, Brockley Stables, and owns a sports memorabilia company. He serves on the boards of the Albany Police Athletic League and Premiere Transportation Group. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, and charitable organizations. The firm offers multiple advisory programs featuring discretionary and non-discretionary portfolio management and financial planning, tailoring strategies to client risk profiles and utilizing both in-house and third-party investment managers.

Ryan Kasuba is a financial professional with two years of industry experience, currently associated with Cetera. He holds a Series 66 designation and has worked at firms including Equitable Advisors and Capobianco Financial Advisors. In addition to his advisory role, Kasuba sells fixed insurance products as an insurance agent. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individual investors, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform that provides access to both affiliated and third-party managers across multiple program structures.

Daniel McCarty is a financial advisor with LPL Financial in Albany, NY, holding Series 63 and Series 66 credentials and has 20 years of industry experience. He worked at Cadaret, Grant & Co., Inc. for 17 years before joining LPL Financial in 2025. 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 financial planning and investment management solutions, including model portfolios, third-party asset management, and institutional platforms.

Kathleen Collins Funk is a financial advisor with Wells Fargo Clearing in Albany, NY, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she is a part-owner of a rental property in Ballston Spa, NY. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Allison Davies is a financial advisor at Merrill with seven years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2021. Her prior experience includes roles at Stratos Wealth Partners, Holistic Wealth Advisors, Capital Financial Planning LLC, LPL Financial, and Murdock Abstract Corporation. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Lynda Von Jaeger is a financial advisor at UBS Financial Services with 34 years of industry experience. She holds Series 63 and Series 66 designations and previously worked at Merrill from 2015 to 2024. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services, offering a broad range of capital markets and advisory solutions.

Kimberly Osborne Allen is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she serves as treasurer and audit committee member for the Wildwood Foundation in Latham, NY. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s IPS-driven advisory process incorporates modern portfolio theory and offers both discretionary and non-discretionary services tailored to plan objectives, including a broader set of financial products such as insurance-related vehicles and bank deposit sweep options.

William Chronister is a financial advisor at Edward Jones with four years of industry experience. He holds the Series 66 designation and previously worked at The Depository Trust & Clearing Corporation for nine years and the New York Credit Union Association for one year. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies. The firm operates a nationwide network of more than 23,700 financial advisors and manages over $1 trillion in assets.

Steven Meleco is a Series 66-licensed financial advisor with 13 years of industry experience, currently with LPL Financial since 2023. He previously worked at PKS Advisory Services, Purshe Kaplan Sterling Investments, Wells Fargo Clearing, and Wells Fargo Advisors. 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 broad range of financial planning and investment management services delivered through a large network of advisors utilizing both proprietary and third-party strategies.