Jonathan Turnock is a financial advisor at Merrill with nine years of industry experience and holds a Series 66 designation. He has worked at Bank of America and Merrill since 2015. Outside of his advisory role, he serves as a board member for the Niskayuna Soccer Club, where he helps organize teams and plan soccer activities. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Shireen Kafiluddi is a financial advisor with Merrill, holding a Series 66 designation and 10 years of industry experience. She has been with Merrill since 2015 and also worked at Bank of America, N.A. from 2022 to the present. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Christine Ormsbee is a financial advisor at Merrill with 20 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Merrill since 2018, previously spending six years at LPL Financial. She serves as a board member for the Shellstrong Foundation, a charitable organization supporting children and families receiving treatment at Albany Med and related programs. 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, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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.

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® with 24 years of industry experience and has been with Raymond James & Associates since 2015. She holds the Series 66 designation and is based in Latham, NY. 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 wide range of clients, including individuals, institutional investors, and charitable organizations, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Michael Wheeler is a Wealth Management Advisor with Merrill Lynch Wealth Management. He follows a disciplined process that begins with taking the time to understand clients, their families, financial situations, and what matters most to them. This approach reflects his belief that advising is not just about markets and returns, but about aligning financial planning with clients' life priorities. Michael’s areas of expertise include managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. He holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Michael earned a Bachelor's Degree from the University of Rochester. He emphasizes collaboration with clients to create personalized plans tailored to their goals and aspirations.

Zachary Haggas is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he leads the H Group. Since joining Merrill Lynch in 2012, he has developed strategies for high-net-worth individuals, their families, and businesses to help them pursue their short- and long-term financial goals. Prior to his current role, Zach gained experience in marketing, sales, and financial education in various wealth management firms before building his own team. He also serves as a member of Merrill's Council of Technology Champions, a divisional speaker, national trainer, and head of the training program for the New York Capital Central Complex. Zach's work involves thorough analysis of clients' assets, including company savings plans, IRAs, Roth accounts, pensions, employee benefits, and brokerage accounts, as well as cash management, spending, and goal structuring. He offers services such as tax minimization strategies and assists clients with estate planning in collaboration with legal advisors. His expertise spans areas such as pre-retirement financial analysis, transition and severance planning, retirement income planning, estate planning strategies, and insurance and long-term care strategies. He holds the Personal Investment Advisor (PIA) designation. Raised in Whitesboro, New York, Zach graduated from Siena College with a bachelor's degree in finance. He is a member of the Fort Orange Club and participates in community organizations including the Charity Motor Club formerly Mohawk Valley Lunch Club, the Saratoga Automobile Museum, and The Prevention Council of Saratoga County. Zach resides in Albany, New York, and in his free time, enjoys reading, writing, spending time with family, and maintaining a focus on healthy living.

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.

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.

Kathleen O'donnell Luther is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and 16 years of industry experience. She has been with Cambridge Investment Research Advisors since 2015. Outside of her advisory role, she operates an independent insurance agency serving various insurance companies. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through independent Financial Professionals, with a range of portfolio management options and access to both proprietary and third-party strategies.

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.

Stephen Hartmann is a financial advisor with LPL Enterprise LLC, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He previously worked at Ashton Thomas Securities LLC for 20 years. Hartmann serves on the board of the American Marketing Association, a nonprofit organization based in Albany, NY. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutions, offering financial planning, consulting, model portfolios, third-party asset management, and brokerage and insurance products through an integrated platform.

Todd Trombly is a financial advisor at LPL Financial with nine years of industry experience. He holds the Series 66 designation and has been with LPL Financial since 2017. In addition to his advisory role, he serves as a notary public and has been involved with Broadview Federal Credit Union for over a decade. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers comprehensive financial planning, advisory programs, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

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.