Kelly Chavez Laprade is a financial advisor at J.P. Morgan Securities with five years of industry experience. She holds a Series 66 designation and has worked at firms including Merrill, Bank of America, Citizens Securities, TD Bank, and JPMorgan Chase Bank. Early in her career, she held positions outside finance at companies such as Red Robin Gourmet Burgers and Enterprise Rent A Car. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program.

Shireen Kafiluddi is a financial advisor with Merrill, holding a Series 66 designation and 10 years of industry experience. She has been with Merrill since 2015 and also worked at Bank of America, N.A. from 2022 to the present. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Christine Ormsbee is a financial advisor at Merrill with 20 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Merrill since 2018, previously spending six years at LPL Financial. She serves as a board member for the Shellstrong Foundation, a charitable organization supporting children and families receiving treatment at Albany Med and related programs. 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, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Andrea Scott is a financial advisor with Primerica Advisors in Clifton Park, NY, holding Series 63 and Series 65 licenses and six years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 2019. Outside of her advisory role, she works as a self-employed IRS tax professional. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of discretionary separately managed accounts to individual and high-net-worth clients. The firm focuses on a tiered wrap-fee structure and curates third-party asset managers to implement various investment models.

Melissa Taylor is a CFP® with 24 years of industry experience and has been with Raymond James & Associates since 2015. She holds the Series 66 designation and is based 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 wide range of clients, including individuals, institutional investors, and charitable organizations, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

William Vanevera is a financial advisor with Mass Mutual Investors Services and holds Series 63 and Series 65 credentials. He has 48 years of industry experience and has been with Mass Mutual Investors Services and MassMutual Life Insurance Company since 2001. Outside of his advisory role, he is involved in individual and group life and health insurance sales. MassMutual 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, focusing on collaborative, annual planning relationships that use firm-approved analytic tools.

Charles Luzadis is a financial advisor at Equitable Advisors with one year of industry experience. He holds the Series 66 designation and previously worked at the University of Tampa and King Brothers Dairy. Outside of his advisory role, he has worked as a golf shop attendant at Saratoga National Golf Club. Equitable Advisors serves individual and institutional clients including pension plans and charitable organizations, providing financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives and third-party managers. The firm offers a range of programs emphasizing risk assessment and tailored investment solutions without sponsoring its own wrap fee program.

Robert Kovacs is a CFP® professional with 37 years of industry experience. He has been with LPL Financial since 2016 and also works with Pioneer Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a large network of investment adviser representatives. The firm offers a broad range of advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by extensive research and technology.

Steven Hipsley is a CFP® with 31 years of industry experience. He has been with OSAIC since 2024 and previously worked for 15 years at American Portfolios Financial Services, Inc. He is also president of Champlain Wealth Management, Ltd., a business name associated with his wealth management and securities activities. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct diversified portfolios that may include various asset classes managed on discretionary or non-discretionary bases.

James Hicks is a financial advisor with Primerica Advisors in Clifton Park, NY, holding a Series 63 designation and 26 years of industry experience. He has been with Primerica Advisors since 1999 and Primerica Financial Services since 1998. Outside of his advisory role, Hicks is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and discretionary separately managed accounts for individual and high-net-worth clients. The firm uses third-party asset managers and provides a wrap-fee solution with a tiered percentage-based fee structure.

Kristen Mahan is a CFP® professional with 17 years of industry experience, currently serving as a financial advisor at Raymond James & Associates. She previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC, totaling 16 years with those firms. 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 non-discretionary investment consulting through various specialized programs and a broad range of portfolio management styles.

Thomas Kukuk is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Bank of America, Merrill, TD Ameritrade, Scottrade, and Charles Schwab. Kukuk is based in Albany, NY. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Thomas Appleton is a financial advisor with OSAIC, holding a Series 63 designation and 44 years of industry experience. He has worked with Securities America Advisors, Inc. and Securities America, Inc. for over two decades and is a managing member of Diamond Financial Services, where he focuses on life insurance and long-term care needs for clients in New York. OSAIC serves a range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct diversified portfolios tailored to client preferences.

Wendy Mitchell is a Series 66-credentialed financial advisor with Morgan Stanley, bringing eight years of industry experience. She has worked at Morgan Stanley since 2017 and previously at Wells Fargo from 2012 to 2017. Outside of her advisory role, she is a partner in an agricultural business called God Heard Our Whispered Wishes. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, combining tailored financial planning with investment management and other services.

Shaun Roach is a financial advisor at Edward Jones with 10 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Michael Knizek is a financial advisor with Merrill, holding a Series 66 designation and 15 years of industry experience. He has worked at Merrill since 2010 and has also been with Bank of America, N.A. since 2014. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Robert Collesano is a financial advisor at Merrill with 45 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 1990 and at Bank of America since 2011. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Janet Labella is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 27 years of industry experience. She has been with LPL Financial since 2011. In addition to her advisory work, she is a licensed New York State notary and notarizes documents as needed. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a nationwide network of representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services, utilizing both discretionary and non-discretionary management along with model portfolios and research from multiple sources.

Anthony Pacifico is a financial advisor with MassMutual Investors Services who holds a Series 63 designation and has 30 years of industry experience. He previously worked at Metlife Securities Inc for 10 years before joining MassMutual Life Insurance Co and MassMutual Investors Services, where he has been since 2016 and 2017 respectively. In addition to his advisory role, he is an agent with Axia Insurance Services of the Capital District specializing in property and casualty insurance. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved analytical tools to provide written recommendations tailored to clients' goals.

Brian Harwood is a financial advisor at LPL Financial with 12 years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones for five years before joining LPL Financial in 2018. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, corporations, and charitable organizations through a network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including model portfolios supported by LPL Research and third-party subadvisors.