Matthew Mead is a financial advisor with Cetera, holding a Series 66 designation and 12 years of industry experience. His prior roles include seven years at the Office of the NYS Comptroller and three years at The AYCO Company, L.P./Mercer Allied. He has been with Cetera Investment Advisers LLC since 2026. Cetera Investment Advisers LLC is an SEC-registered firm serving individual clients, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and consulting services, operating a multi-manager platform with diverse program options and over $256 billion in assets under management.

Yenny Cesse Perdomo is a Financial Advisor at Merrill Lynch Wealth Management, specializing in personal retirement planning, women and wealth, and retirement income strategies. She focuses on helping individuals and families build and protect their wealth through clear communication and tailored advice. Yenny guides clients to make confident and informed financial decisions that align with their goals by simplifying complex financial concepts and empowering them to take control of their financial future. Yenny holds a Bachelor's Degree from Florida International University and maintains professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Fluent in both English and Spanish, she brings expertise in financial planning and investment needs to her role. Outside of her professional work, Yenny’s personal interests include adventure sports, biking, dancing, ice hockey, reading, traveling, watching movies, and writing.

Sharon Dilorenzo is a financial advisor at Mass Mutual Investors Services with 23 years of industry experience. She holds the ChFC® and Series 63 designations and has worked previously at Metlife Securities. She is also an independent insurance agent specializing in life, accident, health, property, and casualty insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing, collaborative financial planning engagements supported by analytical tools and offers additional services such as educational seminars and event-driven planning programs.

Andrew Sayles is a financial advisor at Edward Jones with one year of industry experience. He holds the Series 66 designation and has previously worked with the Burnt Hills Ballston Lake Central School District and Capitol Appraisals. Outside of his advisory role, he has been involved with multiple rowing organizations, including the Burnt Hills Rowing Association and Community Rowing Inc. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Matthew Greenwood is a financial advisor with Cetera, holding Series 63 and Series 66 designations and over 31 years of industry experience. He has worked at Cetera since 2019 and previously spent 24 years at Foresters Financial and 7 years at Foresters Advisory Services LLC. He serves as Vice President of the Glens Falls Grandstanders Booster Club. Cetera Investment Advisers LLC is an SEC-registered firm that provides portfolio management, financial planning, and retirement services to individuals, retirement plans, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a multi-manager platform with a variety of program options and manages over $256 billion in assets.

Ernest Selke Jr. is a financial advisor with Mass Mutual Investors Services, holding the CFP® and ChFC® designations and over 36 years of industry experience. He previously worked at Metlife Securities Inc. for 28 years before joining Mass Mutual Investors Services and MassMutual Life Insurance Co. He serves as an elder at King of Kings Lutheran Church, assisting members with their spiritual needs. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm offers collaborative, annual financial planning engagements using firm-approved tools and supports a range of event-driven planning services.

Robert Barberis is a financial advisor with Wells Fargo Clearing who holds Series 63 and Series 65 licenses and has 38 years of industry experience. Prior to joining Wells Fargo in 2021, he worked at Morgan Stanley Private Bank, National Association from 2015 to 2021. He serves as a co-trustee for a family trust. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Fred Gallo is a financial advisor at Charles Schwab with 25 years of industry experience. He holds Series 63, Series 65, and Series 66 designations. Prior to joining Charles Schwab in 2012, he worked at Atlas Private Wealth Management and DION Money Management. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a comprehensive multi-asset investment approach supported by centralized custodial and operational infrastructure.

Brooks Hastings is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked at LPL Financial since 2019 and previously worked at Wells Fargo Clearing and Wells Fargo Advisors. Hastings operates under the DBA Empire Financial Advisors, associated with his LPL business in Latham, NY. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory services, including financial planning and access to third-party asset management, supported by a broad platform that integrates advisory and non-advisory financial activities.

Allison Rice is a financial advisor at Thrivent Investment Management in Albany, NY, holding a Series 66 designation. She began her career in the financial industry in 2026 and has prior experience in educational and child-focused organizations. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, providing goal-based financial planning without discretionary portfolio management. The firm’s approach includes periodic plan reviews and the option to combine planning with managed-account services under a consolidated billing arrangement.

Elizabeth Lucia is a financial advisor with Cetera, holding a Series 66 designation and one year of industry experience. Prior to her current role, she has worked in residential real estate sales and is a licensed real estate salesperson assisting buyers and sellers. Cetera Investment Advisers LLC is an SEC-registered adviser serving a nationwide network of independent advisors and a diverse client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with both affiliated and third-party investment options.

Matthew Morrison is a Series 66 registered financial advisor at J.P. Morgan Securities with 10 years of industry experience. His prior experience includes 16 years at Bank of America/Merrill before joining J.P. Morgan in 2026. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to support its recommendations.

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 at Merrill Lynch Wealth Management. He serves clients of the Dolfi Bullock Team using a goals-based wealth management approach, leveraging Merrill's investment platform to implement investment recommendations. A key focus in his practice is delivering Merrill's 401(k) platform to local businesses and non-profit organizations, assisting plan sponsors in driving successful retirement outcomes for employees. Andrew's expertise includes divorce transition planning, family wealth management strategies, institutional and corporate benefit services, investment consulting for defined contribution plans, employee financial health, personal retirement planning, portfolio management services, socially responsible and ESG investing, and retirement income. He holds a Bachelor's Degree from the State University of New York at Geneseo and maintains multiple professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Certified 401(k) Professional (CKP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He lives in his hometown of Clifton Park, New York with his wife Amy and their three teenagers. Andrew and his family engage in skiing, wake surfing, fishing, and playing lacrosse. He contributes to his community through involvement with the Regional Foodbank of NENY, Ronald MacDonald House Charities, Shenendehowa Boys Lacrosse Booster Club, and Shenendehowa Youth Lacrosse past Board.

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.

Emily Rollins Graham is a financial advisor at Morgan Stanley with 18 years of industry experience. She has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley since 2018, and previously spent nine years at Jefferies & Company, Inc. She holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management serves individual and institutional clients, offering a wide range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that includes firm-approved tools and modeling techniques.

Christina Smith is a financial advisor at Wells Fargo Clearing with 28 years of industry experience. She holds a Series 63 designation and has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2011. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment offerings.

Hope Salin is a financial advisor at Wells Fargo Clearing with 22 years of industry experience. She holds Series 63 and Series 66 designations and has been with Wells Fargo Clearing since 2016, following a prior role at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.