Jameson Howley is a financial advisor at Equitable Advisors with a Series 66 credential and one year of industry experience. His prior work includes roles at Wells Fargo Advisor, Morgan Stanley, and various other organizations. Equitable Advisors serves a diverse client base including individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients, providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates through multiple program sponsors and third-party managers, offering both discretionary and non-discretionary advisory solutions.

Michael Jaycox is a financial advisor at Morgan Stanley in Latham, NY, holding a Series 66 credential with three years of industry experience. His prior work includes roles at Saratoga National Bank and Trust Company, Bank of America, and several other companies in diverse sectors. He has experience in both financial services and entrepreneurial ventures. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm provides tailored financial planning and a wide range of advisory programs leveraging structured planning tools and broad investment capabilities.

Andrew Bullock is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since joining the firm in 1998, he has served clients as part of the Dolfi Bullock Team, employing a goals-based wealth management approach. Andrew specializes in working with families to build wealth for retirement and is particularly focused on delivering Merrill’s 401(k) platform to businesses and non-profit organizations. His experience supports 401(k) plan sponsors in driving successful retirement outcomes for their employees. Andrew holds a B.A. from the State University of New York at Geneseo and several professional designations, including CERTIFIED FINANCIAL PLANNER™ (CFP), Certified 401(k) Professional (C(k)P), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). His expertise covers divorce transition planning, family wealth management strategies, corporate benefit services, and socially responsible investing, among other areas. A lifelong resident of Clifton Park, New York, Andrew and his wife Amy have three teenage children. The family enjoys an active lifestyle, participating in activities such as skiing, wake surfing, fishing, and lacrosse. Andrew is also involved in community organizations including the Regional Foodbank of NENY, Ronald McDonald House Charities, and local lacrosse booster clubs.

Dana Cafaro is a financial advisor with Cetera Investment Services LLC, holding Series 63 and Series 66 credentials and 19 years of industry experience. Prior to joining Cetera in 2019, Cafaro worked at Foresters Financial for 12 years and at Catholic Charities for 9 years. Outside of advising, Cafaro is a licensed notary. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting over 10,000 advisors and managing more than $256 billion in assets.

Melissa Currier is a financial advisor with Morgan Stanley in Latham, NY, holding a Series 66 designation and 25 years of industry experience. She has been with Morgan Stanley since 2012. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and analysis methods such as Monte Carlo simulations to support its advisory services.

Charles Mott is a CFP® with six years of industry experience, currently affiliated with Cetera. His prior experience includes roles at Northwestern Mutual and Selective Insurance. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party money managers.

Erin Santspree is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 18 years of experience in the finance and banking industry. She works closely with families and businesses to provide financial guidance tailored to their unique goals. Erin is dedicated to delivering personalized client service and has developed expertise in impact investing, offering insights as a frequent guest speaker on this topic at business and institutional events. Erin earned her B.A. from Union College and her M.B.A. from Union Graduate College, both located in Schenectady, NY. She holds the Professional Investment Advisor (PIA) designation and is proficient in both English and Spanish. A lifelong resident of Saratoga County, NY, Erin has a strong connection to the community and finds fulfillment in working with local families, businesses, and institutions. Her community involvement includes participation with the Children's Museum at Saratoga, Saratoga Springs School District, Soroptomist International of Saratoga County, and Sustainable Saratoga. In her personal time, Erin enjoys boating, camping, cooking, hiking, ice hockey, music, reading, and spending time with her family.

Emily Rollins Graham is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds Series 65 and Series 63 licenses and previously worked at Jefferies & Company, Inc. from 2009 to 2018 before joining Morgan Stanley in 2018. Morgan Stanley Wealth Management serves both individual and institutional clients, offering comprehensive financial planning and investment advisory services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools along with modeling techniques to support client financial goals.

Peter Mctygue is a financial advisor at Primerica Advisors with 15 years of industry experience. He holds a Series 63 designation and has been associated with PFS Investments Inc. and Primerica Financial Services since 2010. Outside of advisory work, he is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm uses a tiered wrap-fee structure and curates third-party asset managers for portfolio management.

Kyle Moffitt is a financial advisor at LPL Financial with seven years of industry experience. He holds the Series 63 and Series 65 licenses. Prior to joining LPL Financial, he worked at Goldman Sachs & Co. LLC for five years and has held roles at several other financial firms. 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, providing both discretionary and non-discretionary management supported by research and various investment strategies.

David Roche is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has worked at Cetera since 2019 and previously served at Foresters Advisory Services and Foresters Financial. Additionally, he provides financial advisor coaching and consulting and is the owner of Roche Capital Enterprises. Cetera Investment Advisers LLC is an SEC-registered firm serving individual clients, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party managers.

Stevan Paton is a financial advisor at Raymond James & Associates with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Paton is based in Saratoga Springs, NY. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and asset-allocation analyses through its Wealth Advisory Services Program and supports municipal clients with public-financing and investment banking capabilities.

George Marshall is a financial advisor with LPL Financial based in Clifton Park, NY, holding Series 63 and Series 66 credentials and bringing 38 years of industry experience. Prior to joining LPL Financial in 2025, he spent 23 years at Next Financial Group, Inc. He serves as a FINRA arbitrator and is involved in tax preparation and accounting, as well as non-variable insurance through his associated business activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm provides a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios and research from multiple sources, and offers both discretionary and non-discretionary management across its offerings.

George Harrienger Jr. is a financial advisor at OSAIC with 41 years of industry experience. He holds a Series 63 designation and has worked at Securities America Advisors, Inc. and Securities America, Inc. before joining OSAIC. He is also involved with Diamond Financial Services, where he assists in the sale of fixed annuities and life insurance as a financial consultant. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of integrated brokerage and investment advisory services through multiple platforms and uses asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to manage portfolios.

Gregory Bruno is a financial advisor at LPL Financial with nine years of industry experience. He holds a Series 63 designation and has been with LPL Financial since 2016. Prior to this, he has worked at Capital Bank, a division of Chemung Canal Trust Co, since 2009. 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 advisory programs, financial planning, and retirement plan consulting, employing both discretionary and non-discretionary management supported by in-house and third-party research.

Sarah Ryle is a financial advisor at LPL Financial in Latham, NY, holding Series 63 and Series 66 licenses with seven years of industry experience. Her prior roles include positions at Cetera, Foresters Financial, and Villa Italia. Outside of financial advising, she operates a craft business as an Etsy seller. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting with access to model portfolios and research from multiple sources.

James Coker is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he joined in June 2012. He has been active in the financial services industry since 2009. He focuses on developing strategies for institutions, businesses, and high-net-worth individuals and their families to help them pursue their short- and long-term goals. His client focus includes Corporate Executive Services, Institutional and Corporate Benefit Services, Institutional Consulting, Services for Endowments, Foundations, and Non-profits, Legacy Planning, Philanthropic Planning, Small Business Strategies, Sports & Entertainment, and Investment Strategy for individuals and corporations. James holds the CERTIFIED FINANCIAL PLANNER® (CFP®) certification, earned in 2015 and the Certified Investment Management Analyst® (CIMA®) designation earned in 2017 in conjunction with the Yale School of Management. His expertise includes utilizing sophisticated financial strategies such as Alternative Investments including private equity and hedge funds, which can lower risk and potentially provide more consistent returns over time. He also carries the Personal Investment Advisor (PIA) designation. Educationally, he holds a master's degree from the State University of New York Purchase College and a bachelor's degree from the College of Saint Rose. Outside of his professional work, James is involved in music and performs on the double bass with local symphony orchestras at venues such as the Troy Music Hall. His personal interests include boating, golfing, ice hockey, music, racquetball, skydiving, traveling, and woodworking.

Brenda Brown is a financial advisor with Raymond James Financial in Schenectady, NY, holding Series 63 and Series 65 designations and 22 years of industry experience. Her work history includes roles at Raymond James Financial Services Advisors, LPL Financial, and Financial Advocates. Outside of her advisory career, she has also been employed part-time in retail sales. Raymond James Financial Services Advisors provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth investors, pension plans, charitable organizations, and government entities. The firm offers tailored, primarily non-discretionary advisory services and specialized programs for small businesses, supported by a wide institutional network and municipal finance capabilities.

Paul Wajda is a financial advisor with Mass Mutual Investors Services in Latham, NY, holding Series 63 and Series 65 licenses and with 31 years of industry experience. He has worked with MassMutual Life Insurance Company and its investment services subsidiary since 1996. Wajda also serves as an insurance agent specializing in life, disability, long-term care insurance, and fixed annuities. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management to individuals, business owners, trusts, estates, and charitable organizations. The firm provides collaborative, ongoing financial planning engagements supported by firm-approved analytical tools.

John Gattulli is a financial advisor at LPL Financial with 40 years of industry experience. He holds a Series 63 designation and has worked previously at Cadaret, Grant & Co., Inc. and Capital Education Network. Outside of his advisory role, he is involved with Albany Tax Service, providing tax preparation and accounting services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, banks, and charitable organizations. The firm offers diverse advisory programs and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.