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® professional with 17 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, totaling 16 years with those firms. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting through various specialized programs and a broad range of portfolio management styles.

Thomas Kukuk is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Bank of America, Merrill, TD Ameritrade, Scottrade, and Charles Schwab. Kukuk is based in Albany, NY. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Thomas Appleton is a financial advisor with OSAIC, holding a Series 63 designation and 44 years of industry experience. He has worked with Securities America Advisors, Inc. and Securities America, Inc. for over two decades and is a managing member of Diamond Financial Services, where he focuses on life insurance and long-term care needs for clients in New York. OSAIC serves a range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct diversified portfolios tailored to client preferences.

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.

Brittany Hedderman Giordano is a CFP® professional with nine years of industry experience, currently affiliated with LPL Financial in Albany, NY. She has worked with WealthOne LLC since 2017 and has experience in healthcare from her time at Community Care Physicians. Giordano is also a commissioned notary public. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers comprehensive financial planning and advisory programs, utilizing model portfolios and research from multiple sources to support both discretionary and non-discretionary management.

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, holding a Series 66 designation and 15 years of industry experience. He has worked at Merrill since 2010 and has also been with Bank of America, N.A. since 2014. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Robert Collesano is a financial advisor at Merrill with 45 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 1990 and at Bank of America since 2011. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Janet Labella is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 27 years of industry experience. She has been with LPL Financial since 2011. In addition to her advisory work, she is a licensed New York State notary and notarizes documents as needed. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a nationwide network of representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services, utilizing both discretionary and non-discretionary management along with model portfolios and research from multiple sources.

Anthony Pacifico is a financial advisor with MassMutual Investors Services who holds a Series 63 designation and has 30 years of industry experience. He previously worked at Metlife Securities Inc for 10 years before joining MassMutual Life Insurance Co and MassMutual Investors Services, where he has been since 2016 and 2017 respectively. In addition to his advisory role, he is an agent with Axia Insurance Services of the Capital District specializing in property and casualty insurance. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved analytical tools to provide written recommendations tailored to clients' goals.

Brian Harwood is a financial advisor at LPL Financial with 12 years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones for five years before joining LPL Financial in 2018. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, corporations, and charitable organizations through a network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including model portfolios supported by LPL Research and third-party subadvisors.

Michael Lanides is a Wealth Management Advisor and founding member of The Lanides Jeffreys Group at Merrill Lynch Wealth Management. He leads a planning-based Wealth Management team focused on retirement wealth strategies. Michael serves clients including active and retired business owners, surgeons, and other medical professionals across the East Coast. He emphasizes frequent and open communication to address clients' financial goals and challenges, tailoring strategies with a focus on family wealth management and legacy planning. Michael has expertise in areas such as divorce transition planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, and retirement income. His investment philosophy centers on mitigating risk by diversifying goal-based portfolios using Merrill research coupled with his own insights, guiding clients through clear and straightforward explanations. He holds a Bachelor's Degree from Union College and is a CERTIFIED FINANCIAL PLANNER® certificant, as well as a Chartered Retirement Planning Counselor™. Additional professional designations include Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Outside of his professional work, Michael has personal interests in sports such as baseball, basketball, football, golf, biking, skiing, yoga, as well as cooking, music, and spending time with his family.

Alex Pinn is a CFP® with 11 years of industry experience, currently serving as a financial advisor at Edelman Financial Engines. He previously worked at Northwestern Mutual in various roles from 2013 to 2022. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios and serves a large client base through advisor-led and online offerings.

Manasi Dutta is a financial advisor at Edward Jones with one year of industry experience. She holds a Series 66 designation. Prior to joining Edward Jones, she worked at Amazon Robotics and held a partner role at Connexions International LLC, a management consultancy. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a variety of advisory programs and investment strategies, supported by a nationwide network of over 23,000 advisors and more than $1 trillion in assets under management.

Steven Herweyer is a financial advisor with LPL Financial, holding the ChFC® designation and Series 63 and 65 licenses, with 20 years of industry experience. He previously worked at H. Beck, Inc. and Med America Inc. in prior roles spanning from 2008 to 2019. Herweyer also engages as a speaker and serves as a trustee for a 401(k) plan. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a broad range of advisory programs, retirement plan consulting, and brokerage services, utilizing discretionary and non-discretionary management supported by model portfolios, research, and technology-driven strategies.

Tanya Lipinski is a financial advisor with Primerica Advisors, holding a Series 63 designation and bringing 10 years of industry experience. She has worked with Primerica Advisors and Primerica Financial Services since 2015 and serves the Town of Pittstown since 2016. Outside of advisory work, she is involved in sales of home security, automation products, and loan products through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which provides model-delivery strategies and discretionary separately managed accounts primarily for individual and high-net-worth clients, operating as a wrap-fee solution rather than managing institutional pension or profit-sharing plans.

Lee Wilson is a Senior Financial Advisor at The SiRiCa Wealth Management Group and Merrill Lynch Wealth Management. She has been with the firm since 2009, bringing over ten years of experience in the financial services industry. Lee holds dual bachelor's degrees in administration of justice and sociology from Pennsylvania State University, as well as a juris doctorate from the University of Pittsburgh School of Law. While she does not provide legal advice in her role, she reviews clients' estate strategy documents and assists with portfolio reviews, retirement needs analyses, Social Security collection strategies, and coordination of insurance coverage. She holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Lee and her husband, Tim, reside in Halfmoon, New York, with their two children. She is involved with community organizations including Hannah's Hope Fund for GAN and Junior Achievement of Northeast New York.