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.

Andre Turman is a financial advisor at Morgan Stanley with 15 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, Bank of America, N.A., and Merrill. Outside of his advisory role, Turman serves on the boards of Father's Incorporated, Inc. and the Regional Food Bank of Northeastern New York and is co-authoring a book titled *Living in a World Without Color*. Morgan Stanley Wealth Management is a large institution serving individual and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both retail and corporate financial planning services.

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.

Daniel McCarty is a financial advisor with LPL Financial in Albany, NY, holding Series 63 and Series 66 designations and 20 years of industry experience. He worked at Cadaret, Grant & Co., Inc. for 17 years before joining LPL Financial in 2025. 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 model portfolios and research from LPL Research and third-party subadvisors.

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.

Steven Mannato is a financial advisor with LPL Financial, holding a Series 63 designation and over 34 years of industry experience. He has worked at Pombo Wealth Management since 2008 and was previously with Cadaret, Grant & Co., Inc. for 17 years. Mannato is also involved as a non-variable insurance agent through ASH Brokerage. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, providing both discretionary and non-discretionary management supported by research and model portfolios.

Kathleen Collins Funk is a financial advisor with Wells Fargo Clearing in Albany, NY, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she is a part-owner of a rental property in Ballston Spa, NY. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Aidan Tripoli is a financial advisor with Morgan Stanley, holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining Morgan Stanley, he worked at GlobalFoundries and has experience in the hospitality industry with Ninety Nine Restaurant & Pub and Outback Steakhouse. Outside of finance, he has been involved with Eagle Crest Golf Club for over a decade. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers services through both direct client relationships and corporate financial planning agreements.

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.

Jeffrey Hollander is a financial advisor with Morgan Stanley in Latham, NY, holding Series 66, Series 63, and Series 65 licenses and bringing 42 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides both direct individual plans and Corporate Financial Planning agreements.

Lynda Von Jaeger is a financial advisor at UBS Financial Services with 34 years of industry experience. She holds Series 63 and Series 66 designations and previously worked at Merrill from 2015 to 2024. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services, offering a broad range of capital markets and advisory solutions.

Katherine Schonfarber is a financial advisor at LPL Financial in Albany, NY, holding a Series 66 designation. She has one year of industry experience and previously worked in various roles outside finance, including at the Funny Bone Comedy Club and Palais Royale Bar & Grille. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from internal and third-party sources.

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.

Kimberly Osborne Allen is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she serves as treasurer and audit committee member for the Wildwood Foundation in Latham, NY. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s IPS-driven advisory process incorporates modern portfolio theory and offers both discretionary and non-discretionary services tailored to plan objectives, including a broader set of financial products such as insurance-related vehicles and bank deposit sweep options.

Lisa Lee is a financial advisor with Morgan Stanley in Latham, NY, holding Series 63 and Series 66 licenses and 19 years of industry experience. She has been with Morgan Stanley since 2013. Outside of her advisory role, she is involved in a painting business named Jay's Painting. Morgan Stanley Wealth Management serves individual and institutional clients by offering a range 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 both directly and through corporate financial planning agreements.

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.

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.

Thomas Schmitz is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with Morgan Stanley Private Bank since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets since 2000. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individuals and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that includes tools such as Monte Carlo simulations and secular return estimates.

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.