Raymond Zegger is a CFP® with 29 years of experience in the financial industry. He currently works at LPL Financial and previously spent 25 years at American Express Financial Advisors Inc. and three years at Next Financial Group, Inc. Outside of his advisory role, he is involved with Kellman Barnes Wealth Management, LLC, a business entity used for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser that delivers advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plans, banks, trust companies, and institutions, offering financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Steven Massey is a Series 66-licensed financial advisor with LPL Financial in Albany, NY, bringing 26 years of industry experience. He has worked with LPL Financial since 2002 and held positions at Cap Com Financial Services, LLC for 19 years 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 institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

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.

William Kopp is a financial advisor at LPL Financial with 56 years of industry experience. He holds a Series 63 designation and has worked previously at Cetera Advisors LLC and National Life Insurance Co. He has a minority ownership interest in a non-variable insurance business. 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 financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of advisors and advanced operational tools.

Scott Moore currently serves as a Planning Consultant at Fidelity Investments. He began his career in financial services as a Personal Banker at North Shore Bank in 2019 before moving to J.P. Morgan Securities as a Licensed Relationship Banker from 2019 to 2021. In 2021, he joined Fidelity Investments as a Planning Consultant, briefly held the role of Investment Consultant from 2025 to 2026, and then resumed his position as Planning Consultant. Scott focuses on building long-term client relationships through education and care, aiming to understand clients' concerns and objectives to advocate for their financial independence as defined by them and their families. His approach emphasizes listening and personalized financial planning. Outside of his professional work, Scott's interests include fitness, pets, scuba diving, swimming, and traveling.

Abigail Boslet is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and 15 years of industry experience. Her career includes roles at Foresters Financial and Foresters Advisory Services LLC before joining Cetera in 2019. Outside of her financial work, she performs as an entertainer, playing guitar and singing. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Nicholas Bytner is a Series 66-licensed financial advisor affiliated with LPL Financial in Albany, NY. He has experience working at LPL Financial since 2025 and previously held roles at Homeowners Advantage 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 broad range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Teresa Colvin is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds a Series 63 designation and has worked at Morgan Stanley Smith Barney since 2009 and Citigroup Global Markets since 2001. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and estate planning services, managing approximately $2.74 trillion in client assets.

Alex Cunningham is a Series 66 licensed financial advisor with two years of industry experience, currently serving clients at Equitable Advisors. Prior to joining Equitable Advisors in 2024, he held roles at Plug PV and various service positions. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm utilizes a range of advisory programs and third-party asset managers to tailor investment solutions based on client information and risk tolerance.

Jennifer Bayliss is a financial advisor with Ameriprise in Albany, NY, holding Series 65 and Series 66 licenses and five years of industry experience. She has worked at Ameriprise since 2016 and previously was involved with Rodan and Fields for five years, alongside a twelve-year tenure at Williams College. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning through written Recommendation Reports and ongoing advice. The firm’s approach incorporates investment research, third-party data, and algorithmic tools, with restrictive enrollment criteria and a managed account offering that includes affiliated investment products.

Luke Schrader is a financial advisor with Equitable Advisors and holds a Series 66 designation. He has two years of industry experience and previously worked at Paychex Payroll Company and Brightview Landscapes. He serves as power of attorney to his grandmother. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm’s advisory processes include matching clients to program models or discretionary managers, utilizing both proprietary and third-party investment options.

Ralph Giwerc is a financial advisor at Equitable Advisors with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Equitable Advisors and its predecessor, AXA Advisors, since 1999. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides financial planning, retirement plan consulting, and various asset-management programs, utilizing both in-house and third-party advisory solutions.

Ronald Snapp is a financial advisor with Primerica Advisors in Clifton Park, NY, holding a Series 63 designation and over 30 years of industry experience. He has been with Primerica Advisors since 1993 and has prior work history with several companies including Fromm Airpad Inc and Rao's Coffee Roasters. Outside of advisory services, he is involved in the sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selectively managed accounts. The firm curates third-party asset managers and uses a percentage-based wrap fee structure for its services.

Kiere Neulander is a CFP®-designated financial advisor with LPL Financial, based in Malta, NY, and has 16 years of industry experience. She has worked with LPL Financial since 2016 and has been associated with Pioneer Savings Bank since 2015. Neulander is also involved with Advisor Insurance Brokers, focusing on non-variable insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Frank Chiappone is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and bringing 45 years of industry experience. His previous roles include positions at RMR Wealth Management, Dinosaur Securities, and DLG Wealth Management LLC. Outside of his advisory work, he is involved in life and disability insurance sales with multiple insurance companies and provides home care options for seniors through a related business activity. 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 advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Mark Davies is a financial advisor with Cetera who holds Series 63 and Series 66 credentials and has 15 years of industry experience. His prior work includes roles at KeyBank, Key Investment Services LLC, and M&T Securities, INC. He is based in Latham, NY. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and consulting services through a multi-manager platform that provides access to affiliated and third-party managers, with various program structures and custodial relationships.

Grant Touhey is a financial advisor at Raymond James Financial with seven years of industry experience. He holds a Series 66 designation and previously worked at RBC Capital Markets, LLC and City National Bank. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutions. The firm offers non-discretionary planning and consulting tailored to client goals and supports municipal and public-finance work through its affiliation with a municipal advisor.

William Braat is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He has worked with Merrill since 2017 and previously held roles at Enterprise Holdings and Bank of America, N.A. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Richard Martino is a financial advisor at LPL Financial with five years of industry experience. He holds Series 63 and Series 66 credentials. His prior experience includes roles at J.P. Morgan Securities LLC, JPMorgan Chase Bank, Bank of America, and Sunmark Credit Union. He is also involved with 17 Berkley, LLC, an outside business activity. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves 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 third-party asset management, employing a variety of investment strategies with support from research and operational tools.

Malika Goel is a financial advisor with Equitable Advisors, holding the Series 66 designation and beginning her advisory career in 2026. Prior to joining Equitable Advisors, she has held various roles in the service and hospitality industries. Outside of her advisory work, she continues to be involved in the restaurant sector. Equitable Advisors serves a broad 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 both firm-offered and third-party advisory solutions.