Shamus McCullough is the Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2019. He has been with Fidelity Investments since 2008, progressing through various roles including Financial Representative, Investment Solutions Representative, Fixed Income Specialist, Investment Consultant, and Financial Consultant. In his current role, Shamus assists clients in creating personalized financial plans and adjusting their investment and income strategies to help achieve their individual financial goals. His professional experience encompasses a broad range of roles within Fidelity Investments, providing him with a comprehensive understanding of investment and financial consulting. Outside of his professional work, Shamus enjoys biking, gardening, visiting museums, engaging in outdoor adventures, skiing, and traveling.

John Malicki is a financial advisor with Morgan Stanley in Latham, NY, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by approved tools and modeling techniques.

Mark Papuzza is a financial advisor with LPL Financial in Latham, NY, holding the Series 66 designation and bringing 10 years of industry experience. He has worked at LPL Financial since 2018 and previously at INVEST Financial Corp. from 2016 to 2018. Papuzza also maintains a relationship with Empire Financial Advisors, active since 2014. 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 diverse advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management along with model portfolios and research from multiple sources.

David Morrison is a financial advisor with Wells Fargo Clearing in Albany, NY, holding a Series 63 designation and 29 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Craig White is a financial advisor at LPL Financial with 16 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Cambridge Investment Research for four years before joining LPL Financial in 2020. Outside of his advisory role, he has experience as a software programmer and consultant in a non-investment related capacity. 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 and services, including financial planning, retirement plan consulting, and model portfolios supported by research from LPL Research and third-party subadvisors.

Mark Davidson is a financial advisor at LPL Financial with 24 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Cadaret Grant & Co., Inc. and Citizens Securities, Inc. Davidson serves as a board member for the Arkell Museum and Library and volunteers with the Boy Scouts of America. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs and services, including financial planning, retirement plan consulting, and model portfolio management supported by research from LPL Research and third-party subadvisors.

Mark Wells is a CFP® with 17 years of industry experience, currently practicing at Ameriprise Financial Services, LLC. His work history includes roles at Ameriprise Financial Services Inc, Mass Mutual Investors Services, MassMutual Life Insurance Co, and John Hancock. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on income sources and tax-aware withdrawal strategies.

Justin Spraker is a financial advisor with Cetera who holds a Series 66 credential and has 24 years of industry experience. He has worked at firms including Raymond James Financial Services and Ameriprise Financial Services. Outside of his advisory roles, he is the owner of GHA Executive Services LLC, which supports his financial practice. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, employer-sponsored, corporate, charitable, and institutional clients nationwide. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that combines affiliated and third-party model portfolios with various program structures.

Pierce Mahar III is a financial advisor with LPL Financial in Latham, NY, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has worked at LPL Financial since 2018 and previously at INVEST Financial Corporation. Mahar is also president of Education Funding Specialists, Inc., a role he has held since 2003. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by in-house and third-party research and technology-driven strategies.

Todd Mcdonald is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and 31 years of experience. He has been with Mass Mutual Investors Services and Massachusetts Mutual Life Insurance Company since 1995. Outside of his financial advisory work, he has been involved with Garden Gate Landscape L.T.D. since 1986. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, and charitable organizations. The firm provides financial planning, asset management, and educational seminars, offering collaborative, annual planning engagements that focus on investment strategies without discretion over client assets.

Jeffrey Miller is a financial advisor with Ameriprise in Freehold, NY, holding a Series 63 designation and 14 years of industry experience. He has been with Ameriprise and its related entities since 2012. Outside of his advisory work, he owns All-Trades Improvements, a remodel construction and woodworking business. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, delivering customized recommendation reports that incorporate tax-smart withdrawal strategies and Social Security options. The firm combines research, modeling, and algorithmic tools to support its advisory process and offers a broad range of investment and insurance solutions through affiliated entities.

Donna Stewart is a financial advisor at LPL Financial with 27 years of industry experience. She previously worked at Key Investment Services LLC and KeyBank from 2016 to 2023, and is currently affiliated with Pioneer Bank as a Premier Relationship Manager. 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 consulting, and provides both discretionary and non-discretionary management supported by research and various investment strategies.

Michael Rowe is a financial advisor with LPL Financial in Delmar, NY, holding a Series 63 designation and 23 years of industry experience. He has been with LPL Financial, including its predecessor LINSCO/PRIVATE LEDGER CORP., since 2007. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research from multiple sources to support both discretionary and non-discretionary management.

David Martin is a financial advisor with Merrill in Latham, New York, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has been affiliated with Merrill since 2008 and also has a role at Bank of America, N.A. since 2015. Outside of his advisory work, Martin serves as an officer and volunteer at the Children's Museum at Saratoga. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional investors, offering managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm provides investment management through multiple program strategies and emphasizes integration with Bank of America affiliates and tax-focused implementation tools.

Sarah Paige is a financial advisor with LPL Financial, holding a Series 66 designation and one year of industry experience. She has worked at LPL Financial and Pachira Wealth Management since 2024. Her prior experience includes roles outside the financial industry, such as positions at SUNY Oneonta and Cooper's Cave Ale Company. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services through a national network of investment adviser representatives.

Robert Manor is a financial advisor with UBS Financial Services in Albany, NY. He holds a Series 66 designation and has been in the financial industry since 2024. His prior experience includes roles at Goldman Sachs and H&R Block, as well as work in healthcare and academia. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to create tailored financial plans. The firm combines institutional trading capabilities with wealth management services and offers a broad range of financial products and capital markets services.

Chancy Darcangelis is a financial advisor with LPL Financial, holding the ChFC® designation and Series 63 license, and has 40 years of industry experience. Prior to joining LPL Financial in 2023, Darcangelis worked at Mass Mutual Investors Services and MassMutual Life Insurance Company, and previously spent over three decades at Metlife Securities Inc. He is also involved with Charter Oak Financial, a division of Mass Mutual, as a licensed agent selling life, long-term care, disability, and fixed annuity products. 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. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, with access to model portfolios, research, and various investment strategies.

Philip Cortese is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 26 years of industry experience. He has worked at LPL Financial since 2016 and has been affiliated with Pioneer Savings Bank since 2015. Outside of his advisory roles, he is involved with Peak Lifestyle, a limited partnership unrelated to investments. LPL Financial serves a broad client base including individuals, retirement plans, banks, and charitable organizations, offering a range of advisory programs, financial planning, and brokerage services. The firm provides both discretionary and non-discretionary management, access to model portfolios and research, and integrates various strategies and technologies into its investment approach.

Carlos Martinez is a financial advisor with Wells Fargo Clearing in Rotterdam, NY, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has worked at Wells Fargo Advisors LLC from 2009 to 2016 before joining Wells Fargo Clearing, where he has been since 2016. 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 solutions. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Renu Kallianpur is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. She has been with LPL Financial since 2018 and also works with INVEST Financial Corporation. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers various advisory programs, financial planning, and retirement plan consulting, supported by research and model portfolios from LPL Research and third-party subadvisors.