Joseph Hermann is a financial advisor at Private Advisor Group, LLC with 29 years of industry experience. He holds the Series 63 designation and has previously worked at LPL Financial LLC since 2004. Outside of his advisory work, he operates Joseph Hermann Enterprises, a separate business entity for tax and investment purposes. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by providing discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm offers managed account solutions including its proprietary WealthSuite, third-party TAMPs, and alternative investments, employing a fiduciary-based advisory model that incorporates multiple investment strategies and third-party managers.

Martha Nielsen is a CFP® professional at Principal Financial Services with 33 years of industry experience. She has worked at Principal Securities Inc. since 2016 and previously spent five years with Principal Life Insurance Company. Her other business activities include work related to insurance, life products, and fixed annuities. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty military personnel. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Heather Carver is a financial advisor with Goldman Sachs Wealth Services, holding a Series 63 designation and 24 years of industry experience. She has worked at Goldman Sachs since 2021 and previously spent 21 years at The Ayco Company, L.P. Goldman Sachs Wealth Services provides financial planning, investment management, and advisory support to a diverse client base, including individuals, high-net-worth households, corporate participants, and institutional clients. The firm offers tailored services and integrates centralized investment resources with a range of affiliated and unaffiliated managers.

Jonathan Sefcik is a Series 66 licensed financial advisor with 20 years of industry experience. He has been with Janney Montgomery Scott since 2008. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base including individuals, families, trusts, estates, corporate and retirement plan sponsors, and municipal clients, offering brokerage services, financial planning, and advisory programs.

Heather Lee is a financial advisor at Goldman Sachs Wealth Services with six years of industry experience. She holds a Series 66 designation and has worked at Goldman Sachs & Co. LLC since 2021. Her prior experience includes roles at The Ayco Company, L.P./Mercer Allied, Mass Mutual, and Yates County Workforce Development. Goldman Sachs Wealth Services provides financial planning, investment management, and advisory support to a diverse client base, including individuals, high-net-worth households, corporate participants, and institutional clients. The firm utilizes centralized investment resources and offers tailored programs such as Executive Wealth and Private Family Office support within a large integrated financial group.

Thomas Cucinotta is a financial advisor at Goldman Sachs Wealth Services with 11 years of industry experience. He has worked at Goldman Sachs & Co. LLC since 2021 and previously at The AYCO Company, L.P./Mercer Allied from 2014 to 2021. He holds the Series 63 designation. Goldman Sachs Wealth Services provides financial planning, investment management, and advisory support to a diverse client base, including individual and high-net-worth households, corporate participants, and institutional clients. The firm employs centralized investment resources and a mix of discretionary and non-discretionary managers, offering tailored solutions such as Executive Wealth and Private Family Office support within a large integrated financial group.

Darryll Towsley is a financial advisor with Goldman Sachs Wealth Services, holding a Series 63 designation and bringing 22 years of industry experience. He has worked at Goldman Sachs & Co. LLC since 2021 and previously spent 18 years at The AYCO Company, L.P./Mercer Allied. Goldman Sachs Wealth Services provides financial planning, investment management, and advisory support to a diverse client base, including individual and high-net-worth households, corporate and employer-sponsored participants, and institutional clients. The firm utilizes centralized investment resources and model portfolios, offering tailored services such as Executive Wealth and Private Family Office support within a large integrated financial group.

Adam Powhida is a financial advisor at Principal Financial Services with two years of industry experience. He holds the Series 66 designation and previously worked at Newport News Shipbuilding and other mechanical firms. In addition to his advisory role, he is involved in the sale of various insurance products including life, disability, annuities, health, long-term care, dental, and Medicare insurance. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individuals, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty U.S. military personnel abroad. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions under multiple advisory and promoter arrangements.

Andrew Black is a financial advisor at TIAA-CREF with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has been with TIAA-CREF since 2010. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans. The firm operates a vertically integrated advisory model that includes point-in-time planning and ongoing portfolio management, serving clients often connected through TIAA-administered employer retirement plans.

Mia Politano is a Series 66-licensed financial advisor with Goldman Sachs Wealth Services, bringing one year of industry experience. Prior to joining Goldman Sachs, she was affiliated with the firm in earlier roles and has an academic background linked to Middlebury College and Otter Valley Union High School. Goldman Sachs Wealth Services provides financial planning and portfolio management to a diverse client base, including individual investors, executives, and institutional clients. The firm employs strategic and tactical allocation models alongside a range of specialized services, integrating resources across the Goldman Sachs ecosystem.

Mark Pelersi is a financial advisor at Focus Partners Wealth, LLC with four years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including The Colony Group, LLC and Rockefeller Capital Management. Focus Partners serves a diverse clientele including individuals, high-net-worth families, family offices, and institutional clients, offering a range of wealth management and advisory services. The firm employs a long-term, tax- and fee-sensitive investment approach using an enhanced open architecture framework that combines active and passive strategies with access to private funds and third-party managers.

Pranav Mathur is a financial advisor with Goldman Sachs Wealth Services, holding a Series 66 license and five years of industry experience. His prior roles include positions at Ayco Company, Brown Brothers Harriman, and State Street Corporation. Goldman Sachs Wealth Services provides financial planning and portfolio management to a diverse client base that includes individual investors, executives, plan sponsors, and institutional clients. The firm offers tailored investment strategies supported by proprietary research and extensive resources across the Goldman Sachs network.

Richard Coughlin is a financial advisor at Goldman Sachs Wealth Services with 36 years of industry experience. He holds a Series 63 designation and has worked at Goldman Sachs & Co. LLC since 2021. Prior to that, he was with Mercer Allied Company, L.P. for 27 years and The AYCO Company, L.P. for 36 years. Goldman Sachs Wealth Services provides financial planning, investment management, and related advisory support to a wide range of clients, including individual and high-net-worth households, corporate and employer-sponsored participants, as well as charitable and institutional clients. The firm utilizes centralized investment resources and model portfolios, offering tailored programs such as Executive Wealth, Personal Wealth, and Private Family Office support.

Dana Bertrand is a financial advisor with Goldman Sachs Wealth Services in Cohoes, NY, holding a Series 66 designation and six years of industry experience. Prior to joining Goldman Sachs, Dana has worked at BMT Management since 2016 and The Ayco Company, L.P./Mercer Allied since 2015. Goldman Sachs Wealth Services provides financial planning and portfolio management to a diverse client base, including individual investors, executives, plan sponsors, and institutional clients. The firm employs tailored allocation models and diverse implementation strategies, offering access to a wide range of investment options and affiliated Goldman Sachs services.

Lukas Moller is a financial advisor at Goldman Sachs Wealth Services with three years of industry experience. He holds a Series 66 designation and has prior experience with the United States Attorney's Office and the Albany County District Attorney's Office. Goldman Sachs Wealth Services advises a diverse client base, including individual investors, corporate participants, executives, and institutional clients. The firm offers financial planning, portfolio management, and specialized programs, utilizing strategic and tactical allocation models and integrating capabilities across the broader Goldman Sachs ecosystem.

Gary Wusterbarth is a financial advisor at Janney Montgomery Scott with 22 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Janney Montgomery Scott since 2017, with prior experience at The Ayco Company, L.P./Mercer Allied. Janney Montgomery Scott is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base including individuals, families, trusts, estates, and institutional sponsors, offering brokerage services, financial planning, consulting, and various advisory programs.

Kristin Meyrick is a financial advisor at Equity Services, Inc. with two years of industry experience. She holds a Series 66 designation and has worked at National Life Group and Equity Services since 2024. Outside of advisory work, she is an insurance agent and has experience as a completion specialist in general contracting. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms with a mix of long-term and shorter-term investment strategies, utilizing third-party asset managers and model portfolios.

Edward Quimby IV is a financial advisor with Eagle Strategies (NY Life) holding a Series 66 credential and three years of industry experience. His work history includes roles at Eagle Strategies, Tailored Wealth Solutions, NYLIFE Securities LLC, and New York Life Insurance Company. Outside of financial services, he is employed as a crane operator at Burt Crane and Rigging. Eagle Strategies serves a diverse client base that includes individual and institutional investors, offering financial planning, investment management, and retirement-plan advisory services through a broad network of affiliated representatives. The firm provides tailored advice delivered via multiple program types and manages a majority of its assets on a non-discretionary basis.

Scott Moulton is a financial advisor at Key Investment Services LLC with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Merrill for 12 years before joining Key Bank NA and Key Investment Services. Outside of his advisory role, he co-owns a seasonal rental property on Saratoga Lake with his wife. Key Investment Services LLC serves individual, trust, estate, small business, and corporate clients through wrap-fee advisory programs, model portfolios, and separately managed accounts. The firm emphasizes client-directed model selection with ongoing monitoring and intermediates access to third-party discretionary managers while providing rebalancing, reporting, and supervisory oversight.

Texas Minnick is a Series 66-licensed financial advisor with Goldman Sachs Wealth Services, based in Cohoes, NY. He has one year of industry experience, having previously worked at Goldman Sachs & Co. LLC since 2026. Prior to joining the firm, his work history includes roles outside the financial industry. Goldman Sachs Wealth Services advises a diverse client base, including individual investors, corporate participants, executives, and institutional clients. The firm offers financial planning and portfolio management, utilizing strategic allocation models and manager selections, and provides access to specialized programs and alternative investments through its integrated platform within the broader Goldman Sachs ecosystem.