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 with Charles Schwab who holds Series 63, 65, and 66 designations and has 24 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2012. Charles Schwab & Co., Inc. serves a very large client base, 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 offers a combination of non-discretionary advisory services with access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Brooks Hastings is a financial advisor at LPL Financial with 29 years of industry experience. He holds Series 63 and Series 65 designations and has worked at LPL Financial since 2019, following roles at Wells Fargo Clearing and Wells Fargo Advisors. 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 and financial planning services, utilizing both discretionary and non-discretionary management supported by model portfolios and research from various sources.

Elizabeth Lucia is a financial advisor with Cetera who holds a Series 66 designation and has one year of industry experience. Prior to her current role, she has worked in various positions including real estate sales. Outside of her advisory duties, she is a licensed real estate salesperson assisting buyers and sellers in residential real estate transactions. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with access to third-party money managers and a range of portfolio management and financial planning services.

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 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.

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.

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.

Curtis Miller is a Senior Financial Advisor with Merrill Lynch Wealth Management. In this role, he works directly with clients to develop personalized financial strategies aimed at supporting their long-term goals. Curtis holds a Bachelor's Degree from SUNY at Albany and has earned the Personal Investment Advisor (PIA) designation. His approach emphasizes collaboration, tailoring financial plans to the individual needs of each client. Outside of his professional responsibilities, Curtis enjoys adventure sports, biking, and spending time with his family.

Darryl Teal is a CFP® professional with 27 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. for 15 years. Outside of his advisory role, he owns Fourstardave, LLC, a business related to managing his Ameriprise practice. Ameriprise is an institutional firm that offers retirement-income planning services for individuals with significant investable assets, combining research and modeling with tax-efficient strategies to generate personalized recommendations. The firm also provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

John Petrus is a financial advisor with LPL Financial in Albany, NY, holding the ChFC® designation and Series 63 license. He has 46 years of industry experience, having worked previously at Metlife Securities Inc. and Mass Mutual Investors Services. He also operates Rosemont Financial Group as a DBA related to his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations nationwide. The firm provides a range of advisory programs, financial planning, and brokerage services supported by in-house and third-party research and model portfolios.

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.

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.