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.

John Karadenes is a financial advisor with LPL Financial in Saratoga Springs, NY, holding Series 63 and Series 65 licenses and 9 years of industry experience. He previously worked at Fleet Bank/Bank of America/US Trust for 19 years and is currently affiliated with NBT Capital Management, where he provides investment advisory services. Outside of finance, he has worked as a dog sitter since 2019. 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 advisors. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and institutional services.

Brendan Leavey is a financial advisor at OSAIC with 43 years of industry experience. He holds the Series 63 and Series 65 credentials and was previously with American Portfolios Financial Services, Inc. for 15 years. Outside of his advisory role, he spends limited time in fixed insurance and life insurance brokerage activities. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, financial planning, and access to multiple investment platforms and third-party managers.

Guillermo Trujillo is a financial advisor with Edward Jones in Glenville, NY, holding a Series 66 designation and 11 years of industry experience. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a wide range of advisory programs and investment strategies through a large network of financial advisors and branch offices.

Cory Teleisha is a financial advisor with Merrill in Clifton Park, NY, holding Series 63 and Series 66 credentials and 36 years of industry experience. He has been with Merrill since 1988. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base including individuals, high-net-worth clients, and institutional investors.

Jennifer Koegl is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and having 24 years of industry experience. She has been with Primerica Advisors since 2007 and has worked with Primerica Financial Services since 1999. Outside of advisory services, she is involved in sales of loan products and home security and automation referrals through affiliates of Primerica. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and separately managed accounts primarily to individual and high-net-worth clients. The firm employs a tiered wrap fee structure and curates third-party asset managers, delegating trading duties to BNY Mellon Advisors.

Bryan Curtis is a Series 66-licensed advisor with Wells Fargo Clearing, based in Saratoga Springs, NY, and has 10 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at WELLS FARGO Advisors, LLC. Outside of his advisory role, Curtis volunteers as a ski instructor for children with disabilities through Double H Adaptive Winter Sports and is involved in forest management and preservation with Wilderness Lands LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s IPS-driven process incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Salvatore Romano is a Senior Financial Advisor with Merrill Lynch Wealth Management and a founding member of The SEAM Wealth Management Group, which was established when he and five colleagues joined Merrill in 2017. Over his career spanning more than 30 years, Sal has developed extensive experience working with clients across the country, building long-term relationships that often extend across generations. His professional journey includes roles at American Express, Charles Schwab, and two decades as a private wealth advisor at Ayco Company, L.P., a Goldman Sachs affiliate. Sal specializes in a range of services including corporate executive services, family wealth management strategies, retirement income planning, tax minimization, philanthropic planning, and small business strategies among others. He holds the Chartered Retirement Planning Counselor™ designation from the College for Financial Planning, as well as the Personal Investment Advisor credential. Sal integrates a planning-based approach in his work, guiding clients from initial discussions through to implementation and positive financial outcomes. Sal graduated from the University of New Hampshire with a Bachelor’s degree in Communications and Business Administration. He grew up involved in his family’s restaurant business, gaining insight into the challenges faced by business owners. Outside of his professional life, Sal enjoys cooking, golfing, and spending time with his wife Maria and their three children, including a son who served with the U.S. Army Mountain Division. He is also involved in supporting organizations such as St. Jude’s, The U.S. Army, and Wounded Warriors.

Janine Dickman is a financial advisor at Wells Fargo Clearing with 16 years of industry experience. She holds the Series 66 designation and has worked within various Wells Fargo entities since 2009. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a range of investment options including insurance-related vehicles and bank deposit sweep programs.

Eric Snell is a financial advisor at Edward Jones with 12 years of industry experience. He holds the Series 66 designation and has worked previously at firms including Charles Schwab and Co Inc, TD Ameritrade, and Fisher Investments. His career also includes roles outside the financial sector at companies such as Lyft and Uber. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies and maintains extensive affiliated capabilities including a trust company and proprietary funds, supporting its services with a large network of financial advisors and branch offices nationwide.

Philip Robillard is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he worked for Walgreens and CVS Health. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a wide range of investment strategies and operates under a fiduciary standard, with a large network of financial advisors and branch offices nationwide.

H Okby is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 credentials and has 43 years of industry experience. He has been with Morgan Stanley since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, he is involved in real estate development as the owner of 3 Franklin, LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and investment models to support its advisory services.

Stacy Akaka is a Series 66-licensed financial advisor with Morgan Stanley, based in Saratoga Springs, NY, and has 10 years of industry experience. Prior to joining Morgan Stanley in 2023, she worked at Bank of America and Merrill from 2015 to 2023. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and research.

Jonathan Mulligan is a CFP®-certified financial advisor with four years of industry experience, currently with Cetera. He has worked previously at Raymond James Financial Services and Ameriprise, among other firms. Outside of his role at Cetera, he manages Legacy Wealth Planning Group, where he oversees financial planning and portfolio management. Cetera Investment Advisers LLC is a large SEC-registered firm that serves a broad range of clients, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers diversified investment programs and financial planning services through a nationwide network of independent advisors.

Andrew Pleat is a Resident Director and Wealth Management Advisor with Merrill Lynch Wealth Management. He has been in the financial services industry since 1998 and joined Merrill Lynch in 2012. Andrew is a CERTIFIED FINANCIAL PLANNER® professional, holding this certification from the Certified Financial Planner Board of Standards, Inc., along with designations as a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Andrew’s expertise encompasses a range of client focus areas, including college education planning, family wealth management strategies, retirement income, special needs planning, liquidity management, and both individual and corporate investment strategies. His approach is consultative and objective, emphasizing a collaborative wealth planning process aimed at helping clients develop realistic, personalized financial strategies to meet their short- and long-term goals. He is committed to providing attentive, tailored service and sound financial guidance that evolves as client priorities change over time. Andrew holds a Master's Degree from Union College and a Bachelor's Degree from Siena College. Outside of his professional role, he is engaged in the community as a coach for the Capital Region Reign 16U Elite team. His personal interests include biking, golfing, hiking, skiing, and spending time with his family.

Nicholas Demartino is a financial advisor with Morgan Stanley in Saratoga Springs, NY, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has worked at Morgan Stanley since 2009 and with Morgan Stanley Private Bank, National Association since 2015. 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. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes utilizing firm-approved tools and market simulations.

Ryan Wade is a CFA® charterholder and holds a Series 66 license, with 21 years of industry experience. He has worked at LPL Financial since 2025 and previously spent 18 years with Northwestern Mutual Wealth Management Company and Northwestern Mutual Investment Management. He also operates Steven Tennant, a business he has been involved with since 2005. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm provides a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research from LPL and third-party subadvisors.

Deborah Corbari is a financial advisor with Merrill in Clifton Park, NY, holding a Series 66 designation and six years of industry experience. She has worked at Merrill since 2018 and previously at the Hafner Valuation Group and the Town of New Scotland. Outside of her advisory role, she is connected to an engineering consulting business owned by her husband. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base including individuals, high-net-worth clients, pension plans, and charitable organizations.