Richard Sandner II is a financial advisor at Equitable Advisors with eight years of industry experience. He holds the ChFC® designation and the Series 66 license. His prior experience includes positions at Merrill Lynch and Axa Advisors. He is also a volunteer with the Cyprus Shriners in Glenmont, NY. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by providing financial planning, retirement plan consulting, and asset management programs through a network of Investment Adviser Representatives. The firm utilizes a variety of third-party advisory models and offers ERISA fiduciary services, without sponsoring its own wrap fee program.

Brian Garnets is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 registrations and bringing 30 years of industry experience. His prior work includes roles at Ic Advisory Services Inc, The Investment Center Inc, and National Planning Corporation. Outside of his advisory career, he owns SPENCER AVERY INC., a non-investment business. Equitable Advisors serves a diverse client base, including individuals, retirement plans, corporations, and charitable organizations, offering financial planning and asset management through a network of Investment Adviser Representatives. The firm utilizes a range of third-party advisory programs and provides fiduciary services to qualified plans.

Emily Muhvich is a financial advisor at Equitable Advisors with 12 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Equitable Advisors and Axa Advisors LLC since 2014. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by offering financial planning, retirement plan consulting, and a variety of asset-management programs. The firm uses a range of third-party asset managers and advisory programs to tailor investment solutions based on clients’ risk tolerance and personal or plan information.

Lauren Woodcock is a financial advisor with Equitable Advisors based in Malta, NY, holding Series 63 and Series 65 licenses and having 13 years of industry experience. She has been with Equitable Advisors and its predecessor firm since 2013, including a seven-year period with AXA Advisors, LLC. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party advisory programs and maintaining a focus on matching clients to appropriate investment models and managers.

Nicholas Forkeutis is a financial advisor with Morgan Stanley in Saratoga Springs, NY, holding a Series 66 designation and five years of industry experience. He has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley since 2021. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through financial advisors and specialized planning groups.

Brittney Fields Morrison is a CFP® with eight years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. She has worked at several firms including City National Bank and RBC Capital Markets, LLC. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individuals, high-net-worth clients, corporations, and institutional investors. The firm uses analytical tools and risk profiling to tailor non-discretionary planning and supports a broad network of advisors with services that include municipal and public-finance advisory work.

John Moore is a financial advisor at Morgan Stanley with 15 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and Morgan Stanley Private Bank since 2015 and 2016, respectively. Outside of his advisory work, Moore serves as a board member, treasurer, and finance committee member for Beagle School, an educational organization in Saratoga Springs, New York. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a variety of advisory programs to individuals and institutions. The firm provides tailored financial planning services and manages approximately $2.74 trillion in client assets.

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.

Chelsea Mcauliffe is a financial advisor at Equitable Advisors with 11 years of industry experience. She holds Series 63 and Series 65 designations and has been with Equitable Advisors since 2015, following her tenure at Axa Advisors LLC. She also serves as power of attorney for her husband. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management programs to a diverse client base, including individuals, pension plans, corporations, and charitable organizations. The firm utilizes a range of advisory models and third-party asset managers, emphasizing fiduciary services and integrating both proprietary and external investment solutions.

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.

Patrick Marlatt is a financial advisor at Equitable Advisors with six years of industry experience. He holds a Series 66 designation and has previously worked in various roles including academic positions at SUNY Oswego, Onondaga Community College, Lemoyne College, and SUNY Canton. In addition to his advisory role, he is involved as a sales associate with Realty Benefit Services and Dergalis Associates LLC. Equitable Advisors serves a diverse client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management programs through a network of Investment Adviser Representatives, utilizing a range of third-party advisory models and proprietary investment products.

Jason Blair is a financial advisor at LPL Financial with 18 years of industry experience and holds the Series 66 designation. Prior to joining LPL Financial in 2025, he worked at Northwestern Mutual Wealth Management Company and The Ayco Company. He is also involved with Tennant Financial, an investment-related business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of advisers, offering a broad range of advisory programs and financial services.

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.

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.

Jonathan Laparl is a CFP® professional with 19 years of experience in the financial services industry. He has worked at OSAIC since 2018 and previously spent 11 years with Signator Investors, Inc. He is also involved in financial planning and investment advisory through his sole proprietorship, Threesixty Wealth and Financial Management, and serves as an executor of an estate. OSAIC serves a wide range of clients, including individual investors, institutions, and charitable organizations, providing integrated brokerage and advisory services with a focus on diversified portfolio construction using firm-supported tools and third-party offerings.