Thomas Tesar is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and seven years of industry experience. He has worked with PFS Investments Inc. since 2018 and has additional experience at Primerica Financial Services and BrandXads. Outside his advisory role, he is involved in sales of loan products, home security, automation, and other home-related services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm’s program utilizes model-delivery strategies managed by unaffiliated asset managers and offers limited discretionary separately managed account options.

Paul Michaels is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his financial services career in 2008 at Susquehanna International Group before joining Merrill Lynch in 2012. Paul serves clients with diverse financial needs, focusing on retirement planning and wealth management, including areas such as corporate benefits, family wealth strategies, legacy planning, liquidity management, and socially responsible investing. Paul holds the Chartered Retirement Planning Counselor (CRPC) and Accredited Asset Management Specialist (AAMS) designations from the College for Financial Planning. He is a graduate of the University of Connecticut. Paul is part of the Tellstone Sullivan Michaels Wealth Management Group, which provides personalized wealth management services to clients including physicians, business owners, executives, and multiple generations. The team emphasizes a holistic, forward-looking approach to wealth management and client service. Outside of his professional role, Paul and his wife Rachel are raising a family in Saratoga. He is involved in community activities such as serving on a committee for ALS Center fundraising. Paul also enjoys adventure sports, baseball, basketball, boxing, football, golfing, ice hockey, reading, running, and spending time with his family.

John Daley is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and 27 years of industry experience. He has been with OSAIC since 2024 and previously worked at UBS Financial Services for 22 years. Outside of his advisory role, he is involved in several book sales and publishing ventures and has a contractual agreement for selling green energy production systems. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a large network of affiliated advisers and advisory platforms. The firm offers integrated brokerage and advisory services with a focus on asset allocation, risk management, and access to third-party money managers and unified managed accounts.

David O Connell is a financial advisor at Mass Mutual Investors Services with 11 years of industry experience. He holds the Series 63 designation and has been with Mass Mutual and its affiliated companies since 2016. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, employing technology-driven analysis to support collaborative, annual financial planning engagements.

Michael Di Fabio is a Series 66 licensed financial advisor with Edward Jones in Latham, NY, where he has worked since 2020. He has five years of industry experience, including prior roles at Sherwin Williams and David Phillips CPA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of more than 23,700 financial advisors.

Julia Wittmann is a financial advisor with Raymond James & Associates in Latham, NY, holding a Series 66 designation and bringing 10 years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Advisors. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, pension plans, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a range of portfolio management styles and affiliated research.

Stephen Vadney is a Planning Consultant who focuses on providing financial education and guidance to individuals and families. He emphasizes the importance of having a financial plan to support financial health and to live life according to one's design. Stephen has experience as a Registered Principal and Financial Advisor with Halliday Financial, LLC and TSA Portfolio Management from 2017 to 2023. Prior to that, he worked as an Employee Benefits Consultant at AFLAC between 2015 and 2017. He also served as a Branch Manager at SEFCU from 2012 to 2015 and at First Niagara Bank from 2002 to 2012, where he was also a Financial Consultant. The biography does not provide information on Stephen's education, credentials, personal interests, or community involvement.

Seth Reinhardt is a financial advisor at Edward Jones with six years of experience, holding a Series 66 designation. His prior roles include work with Seadrift Partners and involvement with the San Francisco Flamethrowers. He also serves as a youth coach for the Bay Area Disc Association, working with children aged 8 to 14. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with over 23,700 financial advisors nationally and approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and proprietary mutual funds.

Joseph Tecklenburg is a financial advisor at LPL Financial with five years of industry experience. He holds the CFP® and ChFC® designations, as well as a Series 63 license. His prior experience includes roles at Northwestern Mutual Wealth Management Company and Ayco Mercer, a Goldman Sachs company. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory services, including discretionary and non-discretionary portfolio management supported by in-house and third-party research.

Louis Dahoda is a financial advisor with Edward Jones in Clifton Park, NY, holding a Series 66 designation and over 16 years of industry experience. He has been with Edward Jones since 2009. Outside of his advisory role, he is involved in managing several residential rental properties in Waterford, NY. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including high-net-worth and non-high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm offers a range of advisory strategies and investment options, supported by a large network of financial advisors and branch offices nationwide.

Kelsey Irwin is a Wealth Management Advisor at Merrill Lynch Wealth Management, where she has been providing tailored wealth strategies since joining in 2011. She specializes in helping individuals and families build, manage, and preserve their wealth through personalized financial planning and investment management. Her work focuses on addressing client needs across various areas including college education planning, legacy planning, retirement income, tax minimization, and socially responsible investing. Kelsey holds a Bachelor's Degree from the University of Florida and a Master of Business Administration from Boston College Carroll School of Management. She is certified as a CERTIFIED FINANCIAL PLANNER® (CFP®) and Chartered Retirement Planning Counselor™ (CRPC), and holds FINRA Series 7 and 66 registrations. She works as part of the Franke, Stento, Mohan & Irwin Group, providing practical strategies and detailed planning to help clients simplify wealth complexities. Originally from Florida, Kelsey currently resides in Niskayuna, New York. She is a member of the Junior League of Boston. Outside of work, she enjoys running, including having completed seven marathons and qualified twice for the Boston Marathon, as well as boating, cooking, swimming, traveling, yoga, and spending time with her family.

Thomas Mcdonald Jr. is a Series 66-licensed financial advisor with 13 years of industry experience. He previously worked at Janney Montgomery Scott before joining Raymond James & Associates in Latham, NY. 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, and municipal entities, offering financial planning and consulting through various advisory programs with a focus on non-discretionary relationships.

Jordan West is a financial advisor with LPL Financial in Albany, NY, holding a Series 66 credential and one year of industry experience. Prior to joining LPL Financial, West worked at Broadview Federal Credit Union and has held various roles including employment with the Tri-City ValleyCats and Pop's Pizza. Outside of financial advising, West is involved with bowling as an outside employment activity. 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 a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios.

Thomas Burdick is a CFP®-certified financial advisor with 38 years of industry experience. He has been with LPL Financial since 2018 and previously worked at INVEST Financial Corporation from 2014 to 2018. Outside of his advising role, he founded SoLev, Inc., a corporation focused on purchasing land for use as a solar farm. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management along with research-driven model portfolios.

Harvey Bowks is a financial advisor at Cetera with 44 years of industry experience. He holds the ChFC® designation and securities licenses Series 63 and Series 65. Bowks has worked with Cetera since 2013 and is also the owner of Main Street Financial. He serves on the boards of several nonprofit organizations, including Teresian Nursing Home, St. Pius X Church, and the NY State Defenders Justice Fund. Cetera Investment Advisers LLC is an SEC-registered firm that provides a multi-manager platform for over 10,000 advisors nationwide, offering portfolio management, financial planning, and retirement services to individual, corporate, and institutional clients. The firm manages over $256 billion in assets and supports a range of investment programs including discretionary and non-discretionary strategies with access to both affiliated and unaffiliated third-party managers.

Michael Bonanno is a CFP® with 40 years of industry experience, currently affiliated with Cetera since 2013. He also owns Bonanno Financial Advisors, providing financial planning and investment services. Additionally, he is a fractional owner of The Whiteface Lodge, a hotel rental property in Lake Placid, NY. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Jennifer Franciosa is a financial advisor at Merrill with 28 years of industry experience. She holds the Series 63 and Series 66 licenses and has been with Merrill since 1997. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Gilbert Chase is a financial advisor with LPL Financial in Latham, NY, holding Series 63 and Series 65 credentials and having 35 years of industry experience. He previously worked at Invest Financial Corporation before joining LPL Financial in 2018. 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 a broad range of financial planning and advisory programs, including discretionary and non-discretionary management supported by model portfolios and research.

Ronald Bender Jr. is a financial advisor at LPL Financial with 37 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Citizens Securities, Inc. and Broadview Federal Credit Union. He is also associated with Broadview Wealth Management, an investment-related business connected to his work with LPL. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, providing both discretionary and non-discretionary management supported by research and technology tools.

John Nuzzi is a financial advisor with LPL Financial in Albany, NY, holding a Series 66 license and bringing 16 years of industry experience. His prior roles include positions at Morgan Stanley and Heartland Payment Systems. He is also involved with Broadview Wealth Management, a business related to his LPL practice. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, and institutions, offering diverse advisory programs and financial planning through a national network of investment adviser representatives.