Shireen Kafiluddi is a financial advisor at Merrill with nine years of industry experience and holds a Series 66 designation. She has been with Merrill since 2015 and also has worked at Bank of America, N.A. since 2022. Merrill 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 to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm is integrated into Bank of America’s platform, enabling access to a broad set of financial products and services.

Christine Ormsbee is a financial advisor with Merrill in Clifton Park, NY, holding Series 63 and Series 65 licenses and 19 years of industry experience. Prior to joining Merrill in 2018, she worked at LPL Financial from 2012 to 2018. She serves as a board member of the Shellstrong Foundation, a charitable organization that supports children and families receiving treatment at Albany Med and offers camp experiences through Double H Ranch. Merrill 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 to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

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.

John Carroll III is a financial advisor at Stifel with 39 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at City National Bank before joining Stifel in 2016. Outside of his advisory role, he serves on the finance committee of Wolferts Roost Country Club and is a member of the institutional advancement committee at The Albany Academies, where he advises on fundraising. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. Its investment approach is based on proprietary capital market assumptions and probabilistic modeling developed by the Stifel Investment Strategy Group.

Daniel Moerschell is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and possessing 38 years of industry experience. He has worked at Morgan Stanley since 2011 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools such as Monte Carlo simulations and the Global Investment Committee’s Secular Return Estimates in its financial planning process.

Brian Hooks is a Series 66-credentialed financial advisor with LPL Financial, based in Cohoes, NY, and has seven years of industry experience. He has worked at LPL Financial since 2019 and has been associated with Broadview Federal Credit Union since 2011. Outside of his advisory work, Hooks serves as the head coach of the basketball team at Shaker High School. 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, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party research, and various management options.

Melissa Taylor is a CFP® professional with 24 years of industry experience, currently serving at Raymond James & Associates since 2015. She holds the Series 66 designation and is based in Latham, NY. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets and employing over 5,400 financial advisors. The firm provides wealth advisory and investment consulting services to a diverse client base, including individuals, institutions, and government entities, with a notable presence in municipal and public finance.

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.

Andrew Chapman is a financial advisor with LPL Financial in Saratoga Springs, NY, holding a Series 66 designation and 18 years of industry experience. He has been affiliated with LPL Financial since 2011 and runs Saratoga Financial Services since 2014. In addition to his advisory work, Chapman is a commissioned notary public. 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, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and various investment strategies.

Charles Luzadis is a financial advisor at Equitable Advisors with one year of industry experience. He holds a Series 66 designation and has prior work experience at the University of Tampa and in roles at golf clubs, including Saratoga National Golf Club where he serves as a golf shop attendant. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, offering financial planning and access to asset management through third-party programs. The firm employs a hybrid referral and implementation model, providing both advisory and brokerage services.

Neil O'Brien is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 34 years of industry experience. He joined LPL Financial in 2025 after 26 years at NEXT Financial Group, Inc. In addition to his advisory work, he is involved with a non-variable insurance business and operates Capital Asset Management, Inc. for tax and investment purposes. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm provides a range of advisory programs, financial planning services, and access to model portfolios and research from both internal and third-party sources.

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® with 16 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, where she spent a combined 16 years. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations, supported by research and planning tools, with both non-discretionary and discretionary advisory options.

John Costantino Jr. is a financial advisor at Raymond James Financial with 32 years of industry experience. He holds Series 63 and Series 66 designations and has been associated with Raymond James in various capacities since 1999. He is also the owner of High Point Trading & Consulting, a support company based in Saratoga Springs, NY. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm provides financial planning and non-discretionary investment consulting, utilizing asset-allocation analysis and firm research to tailor recommendations while maintaining client decision authority.

Thomas Appleton is a financial advisor at OSAIC with 43 years of industry experience. He holds a Series 63 designation and has previously worked at Securities America Advisors, Inc. and Securities America, Inc. since 2000. Appleton is also the managing member of Diamond Financial Services, an independent insurance business focusing on life insurance and long-term care needs. OSAIC serves a diverse clientele including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a broad network of financial advisers and advisory platforms. The firm offers integrated brokerage and advisory services, employing asset-allocation tools, risk-tolerance assessments, and managed portfolios that include a range of investment products.

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 based in Latham, NY, holding a Series 66 designation and bringing 15 years of industry experience. He has worked at Merrill since 2010 and has been with Bank of America, N.A. since 2014. Merrill 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 to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm integrates with Bank of America’s broader corporate platform, providing access to a wide set of products and services.