Ryan Mcauliffe is a financial advisor with Equitable Advisors in Malta, NY, holding a Series 66 designation and 11 years of industry experience. He has been with Equitable Advisors since 2015 and previously worked at Axa Advisors LLC. He is also a member of Pace Financial Partners, LLC. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives and third-party managers.

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.

Michael Morgante is a financial advisor with Edelman Financial Engines in Clifton Park, NY, holding Series 65 and Series 66 licenses and bringing 16 years of industry experience. He has been with Financial Engines Advisors L.L.C. since 2016 and worked previously at Tmfs Advisors, LLC for one year. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm employs a committee-driven modeling process combined with planner delivery and online tools, offering diversified portfolios and fiduciary management under ERISA for a large client base.

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.

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.

Lorraine Laczko is a financial advisor with Morgan Stanley in Saratoga Springs, NY. She holds Series 63, 65, and 66 licenses and has 38 years of industry experience. Laczko has been with Morgan Stanley and its affiliates since 2009, including roles at Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management serves individual and institutional clients by providing a broad range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment committee models to support its advisory services.

Kiere Neulander is a CFP®-certified financial advisor with 16 years of industry experience, currently affiliated with LPL Financial since 2016. Prior to joining LPL, Neulander worked at Pioneer Savings Bank beginning in 2015. Outside his advisory role, he is involved with Advisor Insurance Brokers in Park, NY, focusing on non-variable insurance. LPL Financial serves a broad client base including individuals, retirement plans, financial institutions, and charitable organizations, offering a range of advisory programs, financial planning, and brokerage services through a national network of investment adviser representatives.

Taylor Hart is a Series 66 licensed financial advisor at Merrill with six years of industry experience. His background includes roles at Goldman Sachs & Co. LLC and The Ayco Company, L.P./Mercer Allied prior to joining Merrill. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individual and institutional clients.

Kimberly Lawrence is a financial advisor with Raymond James & Associates in Saratoga Springs, NY, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She previously worked at Morgan Stanley for two years before joining Raymond James in 2013. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, pension plans, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional advisory services.

Ryan Obst is a financial advisor at LPL Financial with 18 years of industry experience. He has been with LPL Financial since 2008 and holds the Series 63 designation. 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 investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Robert Bronk Jr. is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 34 years of industry experience. He has been with LPL Financial and its predecessor firm since 2002. In addition to his advisory role, he is involved in non-variable insurance sales and marketing through NBT Insurance Agency and acts as an independent insurance agent. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers comprehensive financial planning and advisory programs, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Morgan Brooks is a Senior Financial Advisor with Merrill Lynch Wealth Management and a member of the Brooks Group. Since joining the team in 2013, he and his team have provided financial guidance to families and business owners, focusing on areas such as education planning, family wealth management strategies, managing new wealth, personal retirement planning, portfolio management, socially responsible and ESG investing, and retirement income. Morgan is a Navy veteran, having graduated at the top of his class from the Advanced Electronic Computer Field Training Program and serving aboard guided missile destroyers based in Pearl Harbor, Hawaii, and Norfolk, Virginia. He completed his high school education at Shenendehowa High School in Clifton Park, New York, followed by a post-graduate program at Bridgeton Academy in Maine. He also attended Union College. Morgan holds the Personal Investment Advisor (PIA) professional designation and completed the Merrill Lynch Practice Management Development training program. Active in his community, Morgan serves on the Saratoga County Veterans Business Council and is an alumnus of the 2013 Saratoga County Executive Institute. He resides in Clifton Park, New York, with his wife and two children. Outside of work, Morgan’s interests include boating, fishing, gardening, painting, reading, softball, spending time with his family, watching movies, and woodworking.

Danielle Cefalu is a financial advisor at Stifel with 13 years of industry experience and holds a Series 66 designation. She previously worked at Janney Montgomery Scott from 2015 to 2021 and has been with Stifel since 2021. Stifel serves a wide range of clients including individuals, institutional investors, and charitable organizations, providing both brokerage and investment advisory services. The firm’s investment approach is based on proprietary methodologies developed by its Investment Strategy Group, offering asset allocation and planning analyses intended as tools for client decision-making.

Philip Barnes II is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and eight years of industry experience. His career includes roles at Morgan Stanley Private Bank, N.A., Morgan Stanley, and Trustco Bank. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and financial planning services tailored to clients who meet certain net-worth criteria. The firm offers a broad range of planning services and integrates advisory recommendations with various financial product offerings.

Michael Brown is a CFP® certificant with 33 years of industry experience. He is currently with Cetera and Madison Wealth Managers, where he is the owner. He has also worked at American Portfolios and OSAIC during his career. Brown is also an insurance agent involved in the sale of fixed insurance products. Cetera is an SEC-registered adviser that serves individual, corporate, charitable, retirement plan, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and consulting services delivered via multi-manager platforms and various program structures.

Joseph Dimaggio is a financial advisor at LPL Financial with 15 years of industry experience. He holds the Series 66 designation and previously worked at Cadaret Grant & Co., Inc. for 10 years before joining LPL Financial in 2023. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including model portfolios and retirement plan consulting, supported by research and technology-driven investment strategies.

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.

John Gac is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing eight years of industry experience. His professional background includes roles at Primerica Financial Services, Pfs Investment, Inc., BAE Systems, and Uber. Outside of advisory work, he has worked as an Uber driver and is involved in sales of loan products and home security referrals through affiliated companies. Primerica Advisors is a large-scale firm serving individual, corporate, and charitable clients through a wrap-fee asset management program that primarily uses model-delivery strategies managed by third parties. The firm focuses on retail clients and offers multiple investment models with varying approaches, supported by custodial and trade execution services from Pershing and BNY Mellon Advisors.