Stephen Aguglia is a financial advisor with Morgan Stanley in Saratoga Springs, NY, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2011 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, emphasizing tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client relationships and corporate financial planning agreements.

Thomas Mccormick is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career at Merrill Lynch in 2011 and focuses on offering a comprehensive approach to managing wealth that starts with listening to clients' needs to ensure strategies are aligned with their goals. Thomas specializes in developing strategies and providing investment guidance for individuals, families, and businesses by understanding their short- and long-term financial objectives. His areas of expertise include executive compensation, equity compensation services, family wealth management strategies, legacy planning, personal retirement planning, philanthropic planning, portfolio management, individual and corporate investment strategy, tax minimization, and retirement income. He holds the CERTIFIED FINANCIAL PLANNER (CFP) certification and the Personal Investment Advisor (PIA) designation. He earned a bachelor's degree in Business Administration from The College at Brockport, SUNY, in 2011, where he also played varsity baseball. He completed his MBA in Economic Crime and Fraud Management at Utica University in 2013, where he served as the Graduate Assistant baseball coach. Thomas resides in Malta, NY, with his wife and two children. Outside of work, he enjoys cooking, golfing, and spending time with his family.

Nicolas De Troye is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. He previously worked at Bank of America and Merrill from 2015 to 2023. Outside of finance, he was involved with the Brazilian Capoeira Center of Saratoga LLC for seven years. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, using a quantitative asset-allocation approach combined with centralized due diligence and an ESG eligibility framework.

Gail Distefano is a financial advisor with Morgan Stanley in Saratoga Springs, NY, holding a Series 63 designation and bringing 37 years of industry experience. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery conversations and proprietary tools, with an emphasis on advisory services without individual security recommendations as part of standalone planning.

Justin Staie is a financial advisor with LPL Financial holding a Series 66 designation and 12 years of industry experience. His prior experience includes roles at Merrill from 2014 to 2021 and M&T Securities in 2021 before joining LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients from individuals and retirement plans to institutions and charitable organizations through a national network of investment adviser representatives. The firm offers a variety of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Preetinder Bassi is a Series 66-credentialed financial advisor with Edward Jones, based in Clifton Park, NY. He has four years of industry experience, including prior roles at New York eHealth Collaborative and Maimonides Medical Center. Bassi has been with Edward Jones since 2021. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a wide range of investment strategies and fiduciary advisory services, supported by a large nationwide network of financial advisors and branch offices.

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 and previously worked with AXA Advisors, LLC. He is also a partner at BRKLYN Equity LLC. Equitable Advisors serves individual and institutional clients, offering financial planning, retirement plan consulting, and asset-management programs. The firm utilizes a range of advisory models, including third-party managers and proprietary programs, to tailor solutions for its diverse client base.

Kenneth Gallant is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been providing financial and wealth management advice and services since 1982 and joined Merrill Lynch in 2005. His expertise includes financial and investment-based strategies, estate and wealth transfer issues, and money management services. Ken holds the Personal Investment Advisor (PIA) designation and earned an Associate's Degree/College Diploma from Bentley College. His client focus areas include college education planning, divorce transition planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, women and wealth, and retirement income. Outside of his professional work, Ken’s personal interests include baseball, golfing, skiing, and spending time with his family. His approach as a Merrill advisor emphasizes connecting all aspects of a client’s financial life to help prioritize and pursue the goals that matter most.

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 Series 66-licensed financial advisor with Equitable Advisors, based in Malta, NY. She has been with Equitable Advisors since 2026 and previously worked at Hamilton Parc and Shaker Pointe at Carondelet. 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, utilizing a range of proprietary and third-party investment solutions.

Ashley Filuta is a financial advisor with Cetera, holding a Series 66 designation and one year of industry experience. Prior to joining Cetera, she worked at several firms including Janney Montgomery Scott, LLC and Curran Wealth Management. Outside of her advisory roles, she operated a shop on Etsy called Designs By EmmyLou. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base that includes 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.

Jessica Klucka is a financial advisor at Equitable Advisors with 10 years of industry experience. She has held roles at Equitable Advisors since 2015 and previously worked with Axa Advisors LLC. Klucka also serves as an administrator or executor of estates and trustee of trusts. 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 network of Investment Adviser Representatives and offers a range of investment programs, including firm-offered and third-party advisory solutions.

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 at Equitable Advisors with three years of industry experience. He holds the Series 66 designation and has prior work experience in various roles including at Adirondack Beverages and SUNY Adirondack. Equitable Advisors serves individual clients across wealth levels, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm provides financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives, utilizing both proprietary and third-party investment programs.

William Rauch is a financial advisor at Edward Jones in Saratoga Springs, NY, holding a Series 66 designation. He has one year of industry experience and previously worked at Albany Medical Center and NYS ITS. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

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.

Kevin Hedley is a financial advisor with Cetera who holds the PFS™ designation and Series 63 license, bringing 25 years of industry experience. He has managed his own CPA firm, Hedley & Co, PLLC, since 1992, providing tax preparation and accounting services, and serves as a treasurer for the Friends of Saratoga Battlefield non-profit organization. He is also a member of the community advisory board for Saratoga National Bank & Trust and a volunteer board member for the American Red Cross. Cetera Investment Advisers LLC operates as a multi-manager platform serving individual, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and retirement services, enabling advisors to implement model portfolios, select third-party managers, or create bespoke strategies, with assets under management exceeding $256 billion.

Carmelo Nicolosi is a financial advisor with Ameriprise in Hadley, NY, holding a Series 66 designation and 25 years of industry experience. He has been with Ameriprise and its affiliated entities since 2012. Outside of his advisory role, he is involved with Nicolosi Group LLC. Ameriprise is a large institutional firm that offers a retirement-income planning service targeting individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide personalized, non-discretionary retirement recommendations, primarily for clients maintaining assets in Ameriprise-managed accounts.