Marissa Garza is a financial advisor with Morgan Stanley in Saratoga Springs, NY, holding a Series 66 license and one year of industry experience. Prior to joining Morgan Stanley, she worked as a nanny and has experience with The Center For Disability Services. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured discovery and advanced planning tools to support tailored financial plans.

Matthew Waskiewicz is a Series 66-credentialed financial advisor with Morgan Stanley, based in Saratoga Springs, NY, and has three years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2022. Outside of his advisory role, Waskiewicz is involved with Headwall Technology II, a technology contracting business. Morgan Stanley Wealth Management provides advisory and brokerage services to both individual and institutional clients, offering tailored financial planning and a range of investment programs supported by firm-approved tools and methodologies.

Colleen Tobey is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 10 years of industry experience. Her work history includes roles at KLH Management, Capital Growth & Shelter Inc., and Cetera Advisors LLC. In addition to her advisory role, she also works as an insurance agent selling life and long-term care policies. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a nationwide network of independent advisors serving individual, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through multiple program structures, with assets under management exceeding $256 billion across more than 10,000 advisors.

Peter Hernandez is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. His prior roles include positions at Bank of America and Merrill. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a broad client base—including individuals, institutions, pension plans, and municipal entities—offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Mary Greenwood Ellsworth is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 designations and 18 years of industry experience. Her prior roles include positions at UBS Financial Services and Merrill Lynch. Outside of finance, she works as a Mary Kay consultant. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, and organizations through collaborative, annual planning engagements using firm-approved analytical tools.

Andrew Walts is a financial advisor with LPL Financial in Glens Falls, NY, holding Series 63 and Series 65 licenses and six years of industry experience. His prior roles include positions at TD Private Client Wealth LLC and TD Bank. 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 and access to model portfolios and third-party asset management.

Blake Crothers is an advisor with LPL Financial holding a Series 66 designation and has been working in the financial services industry since 2023. His prior experience includes roles at Arrow Bank National Association, Kentucky Trust Company, and Brookbend. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, with support from investment adviser representatives and advanced operational tools.

Adam Swartz is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has worked in the financial services industry since 2007, focusing on managing corporate benefits and personal asset management for high-net-worth and ultra-high-net-worth individuals, including families of Fortune 500 executives and entrepreneurs. His approach centers on providing "sensitive and sensible" financial advice that aligns with clients' core values and goals. Before joining Merrill Lynch in 2017, Adam spent ten years at The Ayco Company, L.P., a Goldman Sachs company, where he concentrated on investment management. He holds a Bachelor of Science degree in Finance from Siena College and the Professional Investment Advisor (PIA) designation. Adam resides in Saratoga Springs and enjoys hiking, swimming, and water skiing. He spends much of his free time with his family, especially at the lake. He is involved in community organizations including Dolgeville Forward and volunteers with Habitat for Humanity.

Martha Cordo is a financial advisor at Morgan Stanley with one year of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2011, including time at Morgan Stanley Private Bank, N.A. Outside of advising, she is a partner in MitMal LLC, a real estate-related business. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery and modeling tools, with a range of investment and financial product offerings.

Benjamin Chuckrow is a financial advisor at Stifel with 41 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Wells Fargo Advisors LLC and Wells Fargo Clearing. He has been with Stifel since 2021. Stifel serves a diverse client base including individuals, institutional clients, and municipal entities, offering both brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

James Whalen III is a financial advisor with Morgan Stanley in Saratoga Springs, NY, holding a Series 66 designation and 11 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2014 and 2015, respectively. Outside of his advisory role, Whalen coaches ski racing for children aged 7 to 9 at Okemo Mountain Resort on weekends. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs and financial planning services, utilizing firm-approved planning tools and models to support clients’ financial goals.

Brian Crowley is a financial advisor at Raymond James & Associates with 25 years of industry experience. He holds the Series 63 designation and has been with Raymond James since 2015. Outside of his advisory role, Crowley is a silent partner in a radio station and serves as chairperson of the finance and investment committee for Charlton Girls School, a nonprofit organization. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base that includes individuals, institutions, nonprofit organizations, and municipal entities. The firm offers financial planning and consulting services through various programs, employing tailored, non-discretionary advice supported by firm research and multiple portfolio management strategies.

Jennifer Ludwig is a financial advisor with RBC Capital Markets, holding Series 63 and 66 licenses and 14 years of industry experience. She has worked at RBC Capital Markets since 2014 and at City National Bank since 2016. Outside of her advisory role, she serves as treasurer for the Carlilian Foundation, which provides capital improvement grants in Schenectady. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of wrap fee advisory programs and portfolio management services that are tailored to clients' risk profiles and utilize both in-house and third-party investment managers.

Richard Smith is a financial advisor at LPL Financial with 23 years of industry experience. He holds the Series 66 designation and has been with LPL Financial since 2011, following a brief tenure at Merrill in 2007. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with research tools while managing over $819 billion in discretionary assets.

Rhonda Viapiano is a financial advisor at Morgan Stanley with 39 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Morgan Stanley Smith Barney LLC since 2014. Outside of her advisory work, she is also an artist involved in the art and culture sector. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs, including tailored financial planning and estate planning strategies. The firm employs structured planning tools and modeling techniques to assist clients, managing approximately $2.74 trillion in client assets.

Joseph Vidarte is a financial advisor at LPL Financial with six years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America and Merrill. Vidarte was also involved with Mountainman Outdoor Supply Co. from 2016 to 2019. 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 various advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a broad network of over 22,800 advisors.

Mark Pierre is a Series 66-credentialed financial advisor with Morgan Stanley in Saratoga Springs, NY, and has 24 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of finance, he is involved with Mark Pierre Music, a private company based in Waterford, NY. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methods such as Monte Carlo simulations. The firm manages approximately $2.74 trillion in client assets and offers services through both direct and corporate financial planning agreements.

Daniel Genevick is a financial advisor at Mass Mutual Investors Services with five years of industry experience. He holds Series 63 and Series 65 licenses and has prior experience with Northwestern Mutual Wealth Management Company and related Northwestern Mutual entities. Before entering the financial industry, he worked in information technology and agricultural sectors. Mass Mutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, utilizing firm-approved tools and structured planning engagements.