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®-certified financial advisor at Ameriprise with 28 years of industry experience. He has worked at Ameriprise and its affiliated entities since 2005. He is also the owner of Fourstardave, LLC, a business managing his Ameriprise practice. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and ongoing retirement-income planning based on research, third-party data, and algorithmic tools.

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.

Lars Olson is a financial advisor at LPL Financial with two years of industry experience. He holds the Series 66 designation and previously worked at UBS Financial Services. Olson also serves as a Chief Warrant Officer 2 in the New York Army National Guard. 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, financial planning, retirement consulting, and brokerage services, with diversified investment options supported by LPL Research and third-party subadvisors.

George Harrienger Jr. is a financial advisor at OSAIC with 41 years of industry experience. He holds a Series 63 designation and has worked at Securities America Advisors, Inc. and Securities America, Inc. before joining OSAIC. He is also involved with Diamond Financial Services, where he assists in the sale of fixed annuities and life insurance as a financial consultant. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of integrated brokerage and investment advisory services through multiple platforms and uses asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to manage portfolios.

Gregory Bruno is a financial advisor at LPL Financial with nine years of industry experience. He holds a Series 63 designation and has been with LPL Financial since 2016. Prior to this, he has worked at Capital Bank, a division of Chemung Canal Trust Co, since 2009. 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, financial planning, and retirement plan consulting, employing both discretionary and non-discretionary management supported by in-house and third-party research.

Sarah Ryle is a financial advisor at LPL Financial with eight years of industry experience. She holds Series 63 and Series 66 credentials and previously worked at Cetera and Foresters Financial. Outside of her advisory role, Sarah operates an Etsy business selling craft items. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by research and technology-driven portfolio management.

Andrew Altieri is a Vice President and Financial Consultant at Fidelity Investments. He partners with clients and their families to develop and implement personalized financial plans tailored to their specific needs. His approach is based on a clear process emphasizing integrity and candor. Andrew has been with Fidelity Investments since 2015, progressing through roles including Relationship Manager, Investment Consultant, Financial Consultant, and currently Vice President. Prior to joining Fidelity, he worked as a Financial Advisor at Northwestern Mutual from 2013 to 2015.

James Coker is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined the firm in June 2012 and has been working in the financial services industry since 2009. He specializes in developing strategies for institutions, businesses, and high-net-worth individuals and their families to help them pursue their short- and long-term goals. James holds the CERTIFIED FINANCIAL PLANNER® (CFP®) certification and the Certified Investment Management Analyst® (CIMA®) designation, which he earned in conjunction with the Yale School of Management. He earned a master's degree in music and a post-graduate diploma from Purchase College, State University of New York, as well as a bachelor's degree and a master's degree from The College of Saint Rose. In his leisure time, James performs on the double bass with local symphony orchestras at venues such as Troy Music Hall. He also has interests in boating, golfing, ice hockey, racquetball, skydiving, traveling, and woodworking.

Dan Danahy is a financial advisor at Primerica Advisors in Albany, NY, holding a Series 63 designation with 31 years of industry experience. He has been with Primerica Advisors since 1994, following a year at Primerica Financial Services. Outside of advisory work, he is involved in sales of loan products and home-related services through affiliates of Primerica. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm uses a curated selection of third-party asset managers and employs a tiered wrap-fee structure.

Katarzyna Merrill is a financial advisor at Merrill with eight years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2021, following four years at Morgan Stanley. Prior to her financial services career, she had roles outside the industry including positions at New Country Lexus of Latham and Latham '76 Diner. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Brenda Brown is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and 22 years of industry experience. Her career includes roles at LPL Financial and Desert Financial Wealth Management. She is also employed part-time in retail sales at White House Black Market. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to individual, high-net-worth, institutional, and corporate clients. The firm provides tailored, non-discretionary planning using risk profiling and modeling tools, and supports a broad network of advisors with specialized programs including municipal advisory and SIMPLE IRA consulting services.