Michael Carillo is Vice President and Financial Consultant at Fidelity Investments. He partners with his clients to create simple and effective financial plans, focusing on their individual needs. His experience at Fidelity Investments includes roles as Financial Consultant since 2023, Investment Consultant from 2022 to 2023, and Workplace Planning Consultant from 2021 to 2022. These roles have provided him with practical knowledge in various aspects of financial consulting and planning. Outside of his professional work, Michael's personal interests include baseball, boating, family activities, military service, music, and parenthood.

Daria Schumacher is a financial advisor with LPL Financial, holding CFP® and ChFC® designations and over 22 years of industry experience. Her prior roles include positions at Cetera Investment Services and Foresters Financial. She is also commissioned as a Notary Public. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and access to third-party asset management, supported by a large network of investment adviser representatives.

Samuel Maltbie is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years with Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is based on investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related investment options alongside traditional products.

Travis Kellman is a CFP® professional with 20 years of industry experience, currently affiliated with LPL Financial. His previous roles include positions at Next Financial Group, Inc. and Ameriprise Financial Services, Inc. He is also involved in Pinnacle Insurance and operates Kellman Barnes Wealth Management, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supporting a network of over 22,800 advisors.

Garrett Sherman is a financial advisor with LPL Financial in Latham, NY, holding a Series 66 credential and 11 years of industry experience. His prior experience includes roles at Bank of America, Merrill, Waddell & Reed, and various insurance carriers. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and customized strategies.

Noah Clement is a financial advisor at Edward Jones in Albany, NY, holding Series 63 and Series 66 licenses with four years of industry experience. His prior roles include positions at Mutual of America Securities LLC and The Federal Savings Bank. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs and investment solutions, managing over $1 trillion in assets through a large network of financial advisors and branch offices.

Shane Mahieu serves as a Senior Financial Advisor with Merrill Lynch Wealth Management. Since beginning his career in the financial services industry in 1995, he has focused on providing personalized financial strategies by developing a thorough understanding of each client’s unique goals and circumstances. Shane’s approach involves a disciplined and dynamic process that adapts to changing conditions, aiming to help clients achieve long-term financial goals including college education planning, executive compensation, family wealth management, philanthropic planning, and retirement income strategies. Shane holds a Bachelor's degree from Clarkson University and has earned the Accredited Asset Management Specialist™ (AAMS) and Personal Investment Advisor (PIA) designations. He maintains various FINRA registrations and insurance licenses to support his advisory role comprehensively. Drawing on over 27 years of experience and the resources of Merrill Lynch and Bank of America, Shane collaborates with clients and their other trusted advisors to coordinate all assets efficiently and build multi-generational relationships. Beyond his professional work, Shane has been an active volunteer firefighter for more than 27 years, holding past leadership roles including Lieutenant, Treasurer, and Board Member. He also has served on the boards of the Brown School in Schenectady and the Mayor’s Business Development Council in Glens Falls, as well as involvement with the Glens Falls Kiwanis Club. Shane resides in Niskayuna, NY with his son Blake and enjoys a variety of outdoor activities such as boating, fishing, motorcycling, and racing.

Edward Dominguez is a financial advisor with LPL Financial, holding the CFP® designation and Series 63 and 65 licenses, with 29 years of industry experience. He has worked at LPL Financial since 2011 and previously spent nine years at SEFCU. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Carrie Swiatek is a financial advisor at Cetera with 10 years of industry experience. She holds a Series 63 designation and has worked at Cetera since 2019, following three years at Foresters Financial Services. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Jennifer Garver is a financial advisor with Wells Fargo Clearing in Troy, NY, holding Series 63 and Series 65 designations and bringing 25 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she serves as co-trustee for her mother’s trust. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates a broader set of financial product offerings, including insurance-related vehicles and bank deposit sweep options.

Robert Wright is a financial advisor with UBS Financial Services in Albany, NY, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. He has been with UBS Financial Services since 2012. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor client solutions.

Jonathan Sheehan is a financial advisor with Morgan Stanley in Latham, NY, holding Series 63 and Series 65 credentials and bringing 17 years of industry experience. He has been with Morgan Stanley and its Private Bank since 2014. Morgan Stanley Wealth Management serves both individual and institutional clients, providing tailored financial planning and advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations to help model potential financial outcomes.

Christopher Liberty is a financial advisor with Wells Fargo Clearing in Troy, NY, holding a Series 63 designation and 32 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Outside of his advisory role, Liberty is an author of personal entertainment books and serves as an adjunct instructor teaching investment management, microeconomics, and financial risk management courses at Empire State University. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Frank Alvarez is a Financial Advisor with Merrill Lynch Wealth Management based in Albany, NY. He serves technology and engineering professionals, executives, and retirees across the Capital Region. His work focuses on equity compensation, employer benefits, and retirement income planning. Alvarez applies a methodical approach to financial planning, emphasizing defined inputs, tested assumptions, and well-structured plans. He engages closely with clients to understand their priorities and develop strategies tailored to their goals, covering areas such as general investing, retirement planning, and preparing for unforeseen circumstances. He holds a Bachelor's Degree from Siena College and has earned the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations.

Mark Keeling is a financial advisor with Ameriprise in Albany, NY, holding CFP® and Series 66 designations and bringing 25 years of industry experience. His prior roles include positions at Riversource Distributors, Inc. and Ameriprise Financial Services, Inc. Outside of financial advising, he is involved in several business ventures including co-ownership of a chiropractic office and a tax preparation firm, as well as operating a skydiving instruction LLC. He also serves as Treasurer on the Board of Directors for the Golden Knight Alumni Association. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service. The firm provides written recommendations and ongoing tax-aware withdrawal strategies, utilizing proprietary research and third-party data within a framework that integrates Ameriprise-managed assets and affiliated investment products.

Justin Filippone is a financial advisor with Cetera, holding the Series 63 and Series 65 credentials and bringing 12 years of industry experience. He has worked at Cetera and its affiliated entities since 2015 and is a partner of Iron Tree Financial, a business associated with Cetera. Cetera Investment Advisers LLC is a nationwide SEC-registered advisor serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supported by a broad network of over 10,000 advisors and more than $256 billion in assets under management.

Derek Nolan is a Wealth Management Advisor at Merrill Lynch Wealth Management. He holds the professional designations of Certified Investment Management Analyst (CIMA) and Personal Investment Advisor (PIA). Derek earned a Bachelor's Degree from Georgetown University. His professional focus is on providing wealth management services to clients.

Matthew Sperazzo is a financial advisor with Ameriprise in Saratoga Springs, NY, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. His prior roles include positions at John Hancock Advisers, LLC, John Hancock Funds LLC, and other John Hancock affiliates from 2007 to 2021. Ameriprise offers a retirement-income planning service aimed at individuals nearing or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in a centralized consulting approach, supported by algorithmic automation and oversight committees.

Frederick Hepfer is a financial advisor at Cetera with 26 years of industry experience. He holds Series 65 and Series 66 credentials and has worked at several firms including Citizens Securities, M&T Securities, Key Investment Services, and Morgan Stanley. He is based in Latham, NY. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and retirement services through a multi-manager platform that combines affiliated and third-party managers, with over 10,000 advisors and more than $256 billion in assets under management.

Christopher Dacey is a financial advisor with LPL Financial in Albany, NY, holding Series 63, 65, and 66 licenses and bringing 23 years of industry experience. Prior to joining LPL in 2020, he worked at Cambridge Investment Research Advisors and Next Financial Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.