Terri Beaudoin is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and five years of industry experience. Her prior roles include positions at RBC Capital Markets, LLC and Purshe Kaplan Sterling Investments. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm provides tailored, non-discretionary planning and consulting supported by analytical tools and sponsors various advisory programs, with capabilities in municipal and public-finance work that are relatively uncommon among large institutional advisors.

Anthony Casale is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2011. In this role, he assists clients in making informed investment decisions, emphasizing the importance of building consistent relationships and developing strategic financial plans. He also focuses on the ongoing review, maintenance, and adjustment of these plans over time. Prior to joining Fidelity Investments, Anthony worked as a Financial Planner at The Ayco Company from 2009 to 2011 and at First Investors Corporation from 2007 to 2009. He holds a California Insurance License. Outside of his professional work, Anthony enjoys family activities and playing golf.

Anthony Accetta Jr. is a financial advisor at Cetera with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cetera since 2019, previously spending 13 years at Foresters Financial. Outside of his advising role, he serves as vice-chairman for the City of Mechanicville Charter Review Committee, is a board member of the Mechanicville Housing Authority, and acts as secretary for an Italian fraternal society. Cetera Investment Advisers LLC is an SEC-registered firm that serves 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 range of portfolio management, financial planning, and consulting services, administering over $256 billion in assets across more than 10,000 advisors.

Joanne Rifenburg is a financial advisor at Morgan Stanley with six years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley since 2019. Prior to her current role, she spent eight years with the Rotterdam-Mohonasen School District. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

James Bassotti is a financial advisor at Mass Mutual Investors Services with 38 years of industry experience. He previously worked at MetLife Securities Inc. for 31 years before joining Mass Mutual and holds a Series 63 designation. Outside of his advisory role, he is a general partner for a rental property business and works as an independent insurance agent for property and casualty coverage. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars using firm-approved software to analyze client goals and deliver written recommendations.

Erica Hubert is a CFP® professional with seven years of industry experience. She has worked at several firms, including Merrill Lynch, Bank of America, and Fidelity, before joining Mass Mutual Investors Services in 2025. Her current role is based in Latham, NY. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes annual, collaborative planning relationships and offers a range of event-driven planning programs.

Douglas Parks is a Senior Financial Advisor at Merrill Lynch Wealth Management. He leverages the investment insights of Merrill Lynch and the banking services of Bank of America to assist clients in developing comprehensive financial strategies. Douglas works closely with each client's network of professionals, including attorneys and accountants, to provide financial advice aligned with their overall situations and objectives. His areas of expertise include goals-based wealth planning, pre-retirement financial analysis, transition and severance planning, retirement income planning, estate planning strategies, and insurance and long-term care strategies. Douglas focuses on helping clients pursue their financial goals related to employee benefits planning, executive compensation, family wealth management, liquidity management, small business strategies, tax minimization, and retirement income. Douglas holds a Bachelor's Degree from Florida State University and the Personal Investment Advisor (PIA) designation. He is fluent in Korean and English. Committed to community involvement, he participates in organizations such as 15 Love, Junior Achievement - Financial Literacy, and USTA Junior Team Tennis. In his personal time, Douglas enjoys adventure sports, basketball, biking, boating, football, golfing, hiking, spending time with his family, tennis, and watching movies.

Paul Milano is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over 31 years of experience in the financial advisory field. He has been with Merrill Lynch since January 2006 and previously served as a Financial Advisor with AXA Equitable from 1995 to 2006. Prior to his advisory career, Paul worked in customer service at AT&T from August 1988 to 1995. Paul provides guidance in various areas including family wealth management strategies, services for endowments, foundations, and non-profits, investment consulting for defined contribution plans, employee financial health, liquidity management, managing new wealth, personal retirement planning, special needs planning strategies, and retirement income. His approach emphasizes listening and building strong client relationships to develop personalized financial strategies aimed at achieving clients' long-term goals. He holds a Bachelor of Science degree in Finance and Economics from SUNY Brockport, completed in 1988, and has undertaken graduate business coursework at Union College. Paul also holds professional designations as an Accredited Asset Management Specialist (AAMS) and Personal Investment Advisor (PIA). He resides in Loudonville, NY, with his wife and three sons, and enjoys spending time with his family and volunteering in his community.

Rachel Quinn is a financial advisor at UBS Financial Services in Albany, NY, with three years of industry experience and a Series 66 designation. Prior to joining UBS in 2022, she held roles at Vision Government Solutions, NewStore Inc., and Commonwealth Financial Network. Outside of her advisory work, she maintains a personal baking and food blog called More Butter. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm employs model-based asset allocations and proprietary research to tailor financial plans based on clients’ goals and risk tolerances.

John Cornell Jr. is a financial advisor at Merrill with 26 years of industry experience. He holds the Series 63 and Series 65 licenses and has worked at Merrill since 2009 and Bank of America, N.A. since 2011. Outside of his advisory role, he is involved in equestrian activities through ownership and management of several horse-related LLCs. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Joel Di Persio is a Financial Advisor at Merrill Lynch Wealth Management, specializing in providing tailored financial strategies that align with clients' lifestyles, philosophies, and goals. Since beginning his career in financial services in 2016 and becoming investment registered in 2019, Joel focuses on areas such as college and education planning, legacy planning, managing new wealth, retirement planning, portfolio management, tax minimization, and retirement income. He holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Joel earned a High School Diploma from Shenendehowa High School and an Associate of Applied Science in Business Administration from SUNY Canton. He is a member of the Financial Planning Association (FPA) and the National Eagle Scout Association (NESA). Beyond his professional work, Joel is involved in community activities including volunteering with the Boy Scouts of America, serving on a charity motor club board, and supporting the Leukemia & Lymphoma Society. His personal interests include cooking, reading, and writing.

Gerard Ryan is a financial advisor with Osaic who holds Series 63 and Series 65 licenses and has 41 years of industry experience. His career includes 30 years at Signator Investors, Inc. prior to joining Osaic in 2018. He is also involved with Keystone Financial Management LLC, where he engages in sales and marketing of fixed annuities, securities, and insurance products. Osaic Wealth, Inc. 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 with a range of investment options and uses firm-provided tools to construct portfolios, supporting both discretionary and non-discretionary management.

Brian Goldwasser is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2022, following six years at Commerzbank AG in New York. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers planning both directly and through corporate agreements.

David Hawley is a financial advisor with Thrivent Investment Management in Albany, NY, holding Series 63 and Series 66 registrations and possessing 41 years of industry experience. He has been with Thrivent and its predecessor organizations since 2002. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors, focusing on comprehensive, goal-based planning without discretionary trading authority or traditional institutional portfolio management.

Jennifer George is a CFP® professional with 15 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. She previously worked at Ameriprise Financial Services, Inc. from 2009 to 2020. In addition to her advisory role, she owns and manages STJMD Enterprises, Inc., a management company based in Castleton, NY. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research-driven modeling and tax-efficiency analysis to deliver tailored recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Robert Mc Guirk is a CFP® with four years of industry experience, currently advising at OSAIC in Troy, NY. His background includes roles at Cambridge Investment Research, LPL Financial, and The Vanguard Group, among others. Outside of financial advising, he owns and manages a law office specializing in estate planning services in New York. OSAIC serves a wide range of clients, including individual investors, pension plans, corporations, and charitable organizations, through a large network of advisers. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to construct diversified portfolios tailored to client needs.

Melanie Lugo is a financial advisor with Morgan Stanley in Latham, NY, holding Series 63 and Series 66 licenses and having 24 years of industry experience. She has been with Morgan Stanley since 2009 and joined Morgan Stanley Private Bank, N.A. in 2025. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a wide range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its advisory process.

Valentino Leon is an Investment Consultant at Fidelity Investments, a role he has held since 2026. In this capacity, he guides clients with growing assets by connecting them with appropriate resources and teams, and assists clients in the early stages of their financial journey by providing practical direction for the future. Prior to his current position, Valentino served as a Relationship Manager at Fidelity Investments from 2025 to 2026 and as a Financial Representative from 2024 to 2025. This progression has contributed to his experience in financial advising and client relationship management. Outside of his professional responsibilities, Valentino has interests in art, fitness, golf, motorcycles, and music.

Paul Stento is a Series 66 licensed advisor with Merrill in Albany, NY, and has 23 years of industry experience. He has worked with Merrill Lynch since 2003 and with Bank of America, N.A. since 2011. 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 investment strategies managed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Lisa Tennant is a CFP® professional with 27 years of experience in the financial industry. She has been with LPL Financial since 2019 and previously worked at M&T Securities for 16 years. Tennant is based in Latham, NY. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a variety of advisory and brokerage services, including financial planning, model portfolio programs, and third-party asset management, supported by a large network of investment adviser representatives.