Neerja Kalloo is a financial advisor with Citizens Securities, Inc. based in Albany, NY, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. Her prior work includes roles at Citizens Bank and CCO Investment Services. She is also a certified notary. Citizens Securities serves a broad retail client base, offering investment advisory programs, brokerage, and insurance services. The firm operates both a digital advisory program with ETF-based portfolios and a Managed Account program, while also functioning as a broker-dealer and insurance agency.

Patrick Burke is a Series 66-licensed financial advisor at Goldman Sachs Wealth Services with 11 years of industry experience. He previously worked at Morgan Stanley for three years and The Ayco Company LP for ten years. Goldman Sachs Wealth Services advises a diverse client base including individual investors, executives, plan sponsors, and institutional clients. The firm offers financial planning and portfolio management supported by specialized programs and access to alternative investments, integrating resources across the Goldman Sachs ecosystem to tailor strategies to client objectives.

Avery Daggett is a financial advisor at Goldman Sachs Wealth Services with one year of industry experience. He holds a Series 66 designation and has worked at Goldman Sachs & Co. LLC since 2024. Prior to his current role, he was involved with Boston College’s Carroll School of Management and campus recreation programs. Goldman Sachs Wealth Services advises a diverse client base, including individual investors, executives, plan sponsors, and institutional clients. The firm offers tailored financial planning and portfolio management, leveraging strategic allocation models and a broad range of affiliated resources within the Goldman Sachs ecosystem.

Kaitlyn Di Lonardo is a financial advisor at Goldman Sachs Wealth Services with a Series 66 credential and one year of industry experience. Her prior work includes five years at Jason Patrick's and a decade as a student. Goldman Sachs Wealth Services provides financial planning and portfolio management to a diverse client base, including individual investors, executives, and institutional clients, leveraging strategic allocation models and broad capabilities across the Goldman Sachs ecosystem.

Michael Crupi is a financial advisor at Goldman Sachs Wealth Services with seven years of industry experience. He holds a Series 66 designation and has worked at Goldman Sachs & Co. LLC since 2019, following positions at The Ayco Company, L.P./Mercer Allied and Axiom North America LLC. Goldman Sachs Wealth Services serves a diverse client base, including individual investors, corporate participants, executives, and institutional clients. The firm offers financial planning and portfolio management supported by specialized programs and integrated resources across the Goldman Sachs ecosystem, employing strategic allocation models and both discretionary and non-discretionary implementations.

Andrew Schnitzer is a financial advisor at Goldman Sachs Wealth Services with a Series 66 designation and one year of industry experience. His prior work includes roles at Northern Craftsmen and various positions in education. Goldman Sachs Wealth Services advises a diverse client base ranging from individual investors to institutional clients, offering tailored financial planning and portfolio management supported by integrated resources across the Goldman Sachs organization.

Claudio Mastroianni is a CFP®-certified financial advisor with 36 years of industry experience. He is currently affiliated with Osaic Institutions, Inc. and has held positions at Bank of Greene County, Infinex Investments, Inc., Citizens Securities, Inc., and M&T Securities, Inc., among others. Osaic Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, and access to alternative investments, operating under a hybrid adviser/broker-dealer structure that emphasizes firm supervision while delegating investment management to its representatives.

Emily Ferrero is a financial advisor at Goldman Sachs Wealth Services with six years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Goldman Sachs since 2019. Prior to joining Goldman Sachs, she held roles at the University of Michigan and Synchrony Financial. Goldman Sachs Wealth Services advises a diverse client base, including individual investors, executives, plan sponsors, and institutional clients, offering financial planning, portfolio management, and specialized wealth programs. The firm uses strategic allocation models and proprietary analytics, providing clients access to a broad range of investment options and integrated services across the Goldman Sachs ecosystem.

Brett Blair is a financial advisor at Goldman Sachs Wealth Services with 10 years of industry experience. He holds a Series 66 credential and previously worked at The Ayco Company, L.P./Mercer Allied for five years before joining Goldman Sachs in 2021. Goldman Sachs Wealth Services advises a diverse client base, including individual investors, corporate participants, executives, and institutional clients, offering financial planning, portfolio management, and specialized wealth programs. The firm integrates strategic allocation models and advanced analytics within the broader Goldman Sachs ecosystem to deliver tailored investment solutions.

Giovanni Tedesco is a financial advisor at Goldman Sachs Wealth Services with 23 years of industry experience. He holds the Series 63 designation and previously worked at The AYCO Company, L.P./Mercer Allied for 19 years before joining Goldman Sachs in 2021. Goldman Sachs Wealth Services offers financial planning, investment management, and advisory support to a wide range of clients, including individuals, high-net-worth households, corporate participants, and institutional clients. The firm utilizes centralized investment resources and model portfolios, delivering services through both discretionary and non-discretionary managers, with integrated offerings across banking, futures, retirement consulting, and private family office support.

Adam Tatar is a financial advisor at Goldman Sachs Wealth Services with four years of industry experience. He holds a Series 66 designation and previously worked at the State University of New York at Oswego and several educational institutions. Outside of his advisory role, he owns New Era Merchandising Inc., a merchandising company. Goldman Sachs Wealth Services advises a diverse client base including individual investors, corporate participants, executives, and institutional clients. The firm provides financial planning and portfolio management with tailored strategies supported by proprietary research and access to affiliated Goldman Sachs resources.

Samuel Beaulac is a financial advisor with Goldman Sachs Wealth Services holding Series 63 and Series 65 credentials and eight years of industry experience. His prior roles include positions at Cetera Advisor Networks, Capobianco Financial Advisors, and KeyBank NA. Outside of finance, he has experience working in the food service industry at AJ's Pizzeria. Goldman Sachs Wealth Services provides financial planning and portfolio management to a diverse client base, including individual investors, corporate participants, executives, and institutional clients. The firm utilizes strategic and tactical allocation models and offers access to alternative investments, delivering tailored wealth solutions integrated within the broader Goldman Sachs ecosystem.

Matthew Whalen is a Series 66-licensed financial advisor at Key Investment Services LLC with three years of industry experience. He previously worked at LPL Financial LLC, High Peaks Asset Management, Cadaret, Grant & Co., Inc., and has held roles at the City Mission of Schenectady and Berne Knox Westerlo Central School. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through various advisory programs, model portfolios, and managed accounts. The firm emphasizes client-directed investment decisions supported by non-binding recommendations and ongoing monitoring, while providing access to third-party discretionary managers and supervisory oversight.

Thomas Maclaughlin is a CFP® with 27 years of industry experience, currently serving as a financial advisor at Creative Planning since 2018. Prior to joining Creative Planning, he worked for 20 years at The Ayco Company, L.P./Mercer Allied. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans, managing approximately $217 billion in client assets. The firm employs a financial planning–led investment process centered on low-cost indexing and buy-and-hold strategies, supplemented by various advanced portfolio techniques and integrated retirement plan services.

Amy McGowan is a financial advisor at Citizens Securities, Inc. in Albany, NY, with 11 years of industry experience. She holds Series 63 and Series 65 licenses and has worked in various roles within Citizens Bank and Citizens Securities since 2019, as well as six years at CCO Investment Services. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm’s advisory offerings include a digital advisory program based on ETF portfolios and a Managed Account program, operating as part of a bank-owned enterprise.

Paul Cuomo is a financial advisor with Citizens Securities, Inc. in Albany, NY, holding Series 63 and Series 65 licenses and 37 years of industry experience. He has worked extensively within Citizens affiliates since 2017, including roles at Citizens Bank and Citizens Securities. Outside of his advisory work, Cuomo is a certified Notary Public and serves as a high school basketball referee. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs alongside brokerage and insurance services. The firm operates both a digital advisory platform and managed account programs, combining bank, broker-dealer, and advisory functions under its ownership by Citizens Bank, N.A.

Jaylana Ogresevic is a Series 66 licensed advisor with Goldman Sachs Wealth Services and has been with the firm since 2026. Her prior work includes roles at Green Sugar Leaf Farms and small business ventures in the nails industry and mini golf. 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 allocation models and a range of fee arrangements, leveraging capabilities across Goldman Sachs affiliates to deliver comprehensive wealth management solutions.

Edward Wanzenried is a financial advisor at Goldman Sachs Wealth Services with a Series 66 designation and one year of industry experience. His prior roles include positions at Goldman Sachs Ayco and Valsoft Corporation, as well as experience in education and small business ownership. He worked at the University at Albany (SUNY) and owned Rain or Shine Tent Rental. Goldman Sachs Wealth Services serves a diverse client base including individual investors, executives, plan sponsors, and institutional clients. The firm provides financial planning and portfolio management with tailored strategies supported by its Private Wealth Investment Strategy and External Investment Groups, leveraging a broad range of platforms and proprietary research tools within the Goldman Sachs ecosystem.

Kyle Ellenbogen is a financial advisor with Goldman Sachs Wealth Services, holding a Series 66 designation and one year of industry experience. His prior roles include positions at Polito & Mazza, Pine Brook Country Club, and Righthand Capital. Goldman Sachs Wealth Services advises a diverse client base ranging from individual investors to institutional clients, offering financial planning, portfolio management, and specialized wealth programs. The firm utilizes strategic allocation models and both proprietary and third-party analytics to tailor investment solutions within the broader Goldman Sachs ecosystem.

Kyle Griskowitz is a financial advisor with Goldman Sachs Wealth Services and holds a Series 66 designation. He has been with Goldman Sachs since 2025, including time at Goldman Sachs & Co. LLC, and has experience working in other roles such as operating The Wishing Well. Goldman Sachs Wealth Services advises a broad client base including individual investors, corporate participants, executives, and institutional clients. The firm offers tailored financial planning and portfolio management, leveraging strategic allocation models and both discretionary and non-discretionary implementations within the larger Goldman Sachs ecosystem.