Daniel Polansky is a financial advisor at OSAIC with 21 years of industry experience. He holds a Series 66 designation and has previously worked at American Portfolios Financial Services, Inc., Wells Fargo Clearing, and Wells Fargo Advisors LLC. Polansky is also an insurance agent providing life and health insurance solutions through a sole proprietorship. OSAIC serves a broad mix of retail and institutional clients, offering integrated brokerage and investment advisory services supported by various advisory platforms and third-party managers. The firm employs asset-allocation tools and automated rebalancing to construct diversified portfolios across multiple asset classes.

Robert Woodcock is a CFP® and ChFC® with 39 years of industry experience. He has been with Equitable Advisors since 1999, following a tenure at AXA Advisors, LLC. Outside of his advisory role, he is a partner at BRKLYN Equity LLC. 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 operates a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.

Nicholas Clay is a financial advisor with Primerica Advisors in Clifton Park, NY, holding a Series 63 designation and nine years of industry experience. He has worked with Primerica Advisors since 2017 and previously spent 14 years at UPS. Outside of his advisory role, he is the founder and owner of One World LLC, where he serves as a coach. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap fee structure, with portfolio implementation delegated to BNY Mellon Advisors.

John Bryant is a financial advisor at OSAIC with 27 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at American Portfolios Financial Services, Inc., Wells Fargo Clearing, and Wells Fargo Advisors LLC. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisors, offering brokerage and advisory services, financial planning, retirement consulting, and access to third-party managers. The firm uses asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to manage diversified portfolios across various asset classes.

Pamela Koniszewski is a financial advisor at Equitable Advisors with a Series 66 credential and one year of industry experience. Her prior work includes roles at Hamilton Parc and Shaker Pointe at Carondelet, where she spent ten years. Equitable Advisors serves a broad range of clients including individuals, high-net-worth families, retirement plans, corporations, charities, and institutions. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, operating with a delivery model that emphasizes collaboration with program sponsors and third-party managers.

Jessica Klucka is a financial advisor with Equitable Advisors, holding a Series 66 designation and bringing 10 years of industry experience. She has worked at Equitable Advisors since 2015 and previously at Axa Advisors LLC and Axa Equitable. Outside of her advisory role, she serves as an administrator or executor of estates and as a trustee of trusts. 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/insurance services tailored through a client intake process.

Brad Hipsley is a financial advisor at OSAIC with one year of industry experience. He has worked at Champlain Wealth Management and previously held positions with the Arizona Diamondbacks and Stony Brook University. OSAIC serves a diverse client base including individuals, institutions, and charitable organizations through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services with a range of portfolio management options and access to third-party money managers.

Ryan Dalbey is a financial advisor with Equitable Advisors, holding a Series 66 designation and three years of industry experience. Prior to joining Equitable Advisors in 2023, he worked at Adirondack Beverages and held various positions in the hospitality and education sectors. Equitable Advisors serves a wide range of clients, including individual, high-net-worth, retirement plan, corporate, charitable, and institutional investors. The firm provides financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, relying heavily on LPL-sponsored solutions and offering both discretionary and non-discretionary asset management options.

William Rauch is a financial advisor at Edward Jones in Saratoga Springs, NY, holding the Series 66 designation. He began his advisory career in 2025 and previously worked in healthcare and technology sectors. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of over 23,700 financial advisors.

Richard Pauli is a financial advisor with Mass Mutual Investors Services in Clifton Park, NY, holding the ChFC® and Series 63 designations and bringing 40 years of industry experience. He has been with Mass Mutual Investors Services since 1989 and MassMutual Life Insurance Company since 1988. Outside of his advisory work, he is involved in several business ventures including ownership roles in real estate LLCs and the Pauli Financial Group, which offers individual and group life, health, and property/casualty insurance products. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses detailed client data and firm-approved analytical tools to deliver collaborative, goal-oriented financial planning and offers specialized programs including estate settlement and employer-sponsored planning.

Ryan Mcauliffe is a Series 66-credentialed financial advisor with 11 years of industry experience, currently serving clients at Equitable Advisors since 2015. He previously worked at Axa Advisors LLC for five years. His other business activities include membership in Pace Financial Partners, LLC. Equitable Advisors serves a broad client base including individuals, high-net-worth, retirement plans, corporate, charitable, and institutional clients, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and a broker-dealer, utilizing LPL-sponsored programs and endorsed third-party managers to deliver advisory and brokerage solutions.

Richard Lane is a financial advisor at OSAIC with 20 years of industry experience. He holds Series 63, Series 65, and Series 66 credentials and previously spent 14 years at American Portfolios Financial Services, Inc. Outside of his advisory work, Lane serves on the finance committee and board of directors for the Galaway United Methodist Church endowment and participates in organizing a charity golf event. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and advisory services alongside access to third-party money managers and unified managed accounts. The firm employs asset-allocation tools and automated rebalancing to construct portfolios across a variety of investment types, managing accounts on both discretionary and non-discretionary bases.

Alex Cunningham is a financial advisor with Equitable Advisors, holding a Series 66 designation and two years of industry experience. Prior to joining Equitable Advisors, he worked at Plug PV and held various roles including university employment and service in the food service industry. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients by offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs through a dual-registered model as both an SEC-registered investment adviser and broker-dealer.

Luke Schrader is a financial advisor with Equitable Advisors holding a Series 66 designation and two years of industry experience. Prior to joining Equitable Advisors, he worked at Paychex Payroll Company for six years and had roles at Brightview Landscapes and a brief period of unemployment. He also serves as power of attorney for his grandmother. Equitable Advisors serves a diverse range of clients including individuals, high-net-worth, retirement plans, corporate, charitable, and institutional clients, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer, utilizing LPL-sponsored programs and multiple endorsed TAMPs to deliver advisory and brokerage solutions.

Ralph Giwerc is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 designations and bringing 31 years of industry experience. He has worked at Equitable Advisors since 1999 and was previously affiliated with AXA Advisors, LLC. 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 various third-party asset managers. The firm operates a hybrid referral and implementation model, combining advisory and brokerage/insurance channels to tailor services based on client goals, risk tolerance, and time horizon.

Lorraine Laczko is a financial advisor with Morgan Stanley in Saratoga Springs, NY. She holds Series 63, 65, and 66 licenses and has 38 years of industry experience. Laczko has been with Morgan Stanley and its affiliates since 2009, including roles at Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management serves individual and institutional clients by providing a broad range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment committee models to support its advisory services.

Kiere Neulander is a CFP®-certified financial advisor with 16 years of industry experience, currently affiliated with LPL Financial since 2016. Prior to joining LPL, Neulander worked at Pioneer Savings Bank beginning in 2015. Outside his advisory role, he is involved with Advisor Insurance Brokers in Park, NY, focusing on non-variable insurance. LPL Financial serves a broad client base including individuals, retirement plans, financial institutions, and charitable organizations, offering a range of advisory programs, financial planning, and brokerage services through a national network of investment adviser representatives.

Robert Bronk Jr. is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 34 years of industry experience. He has been with LPL Financial and its predecessor firm since 2002. In addition to his advisory role, he is involved in non-variable insurance sales and marketing through NBT Insurance Agency and acts as an independent insurance agent. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers comprehensive financial planning and advisory programs, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

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.

Grant Touhey is a financial advisor with RBC Capital Markets, holding a Series 66 designation and seven years of industry experience. His work history includes roles at City National Bank and Raymond James Financial Services. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers various advisory programs with tailored investment strategies, combining in-house and third-party management, along with options for tax management and responsible investing.