Kevin Newman is a CFP® professional with 23 years of industry experience, currently serving as a financial advisor at OSAIC since 2018. Prior to this, he spent 11 years at Signator Investors, Inc. and has been involved with Associates of Clifton Park since 2003, where he holds a Vice President role focused on wealth strategies. Newman also operates a financial planning LLC, Newman & Associates, which he markets as part of his advisory services. OSAIC serves a diverse client base including individual and high-net-worth investors, institutions, and charitable organizations, offering integrated brokerage and advisory services through a large network of affiliated advisers. The firm employs asset-allocation tools, risk-tolerance analysis, and automated rebalancing to build portfolios across a range of securities and also supports legacy platform programs and third-party managed-account solutions.

Michelle Lyman is a financial advisor with LPL Financial in Latham, NY, holding a Series 63 designation and 21 years of industry experience. Her prior work includes positions at Cadaret, Grant & Co., Inc., Pioneer Bank, and Anchor Agency. LPL Financial serves individual and institutional clients through a national network offering financial planning, advisory programs, retirement plan consulting, and brokerage services, employing both discretionary and non-discretionary management with support from internal and third-party research.

Adam Jones is a financial advisor with Cetera, holding Series 63 and Series 65 designations and eight years of industry experience. He has worked at Cetera since 2019 and previously at Foresters Financial Services and FirstLight Fiber. Outside of advising, he coaches baseball and softball. Cetera Investment Advisers LLC is an SEC-registered firm that provides a range of portfolio management and financial planning services to individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers multiple investment program options and access to third-party managers, managing over $256 billion in assets.

Stephen Carleton is a financial advisor at LPL Financial with 22 years of industry experience and holds a Series 66 designation. He previously worked at Janney Montgomery Scott for ten years before joining LPL Financial in 2025. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning services, and brokerage solutions, utilizing both discretionary and non-discretionary management with access to proprietary and third-party research and model portfolios.

Alexander Klein is a financial advisor with Equitable Advisors, holding a Series 66 designation and three years of industry experience. His prior work includes roles in various service and operational positions, including at Door Dash and several hospitality and event businesses. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement consulting, and asset management programs utilizing both firm-offered and third-party solutions.

Steven Tennant is a CFP® professional affiliated with LPL Financial, with 29 years of industry experience. Prior to joining LPL Financial in 2025, he spent nearly three decades at Northwestern Mutual in various capacities, including wealth management and investment management. Tennant is also involved in business activities through TBW Holdings, LLC. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm provides a range of advisory programs and financial planning services using both discretionary and non-discretionary management strategies supported by extensive research and model portfolios.

Edward Budd is a financial advisor with Charles Schwab based in Saratoga Springs, NY, holding Series 63 and Series 65 licenses and 31 years of industry experience. His prior roles include positions at TD Ameritrade, Scottrade, and Charles Schwab Bank. Outside of his advisory work, he occasionally participates in local and national kayak bass fishing tournaments. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary advice and access to discretionary separately managed accounts, supported by extensive research and a multi-asset investment approach.

Davis Moeckel is a financial advisor at Cetera with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked with several firms, including Empire Asset Management Group and CCR Wealth Management. Outside of his advisory role, he operates an office cleaning service. Cetera Investment Advisers LLC is an SEC-registered firm that serves a wide range of clients through a nationwide network of independent advisors, offering various portfolio management, financial planning, and retirement services across multiple program structures.

Douglas Brady is a financial advisor at OSAIC with 28 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for American Portfolios Financial Services for 14 years before joining OSAIC. Outside of his advisory role, he owns Champlain Wealth Management, an insurance business focused on processing insurance applications. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage, investment advisory services, and access to third-party money managers. The firm uses firm-provided asset-allocation tools, risk assessments, and automated rebalancing to construct portfolios across multiple asset classes, managed on discretionary or non-discretionary bases.

Mark Caropreso is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009. Prior to that, he was with Citigroup Global Markets starting in 1993. Outside of his advisory role, he is the sole proprietor of two investment-related businesses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a broad range of advisory programs supported by structured planning tools and research from its Global Investment Committee.

Alyssa Hicks is a financial advisor with Primerica Advisors in Clifton Park, NY, holding a Series 63 designation and over 25 years of industry experience. Her work history includes roles at PFS Investments Inc. and Primerica Financial Services since 1999, as well as positions at McKenna & Franck PC and Lynch Lovell. Outside of her advisory role, she is the owner and president of a delivery service business and a consultant for health and wellness products. Primerica Advisors offers 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 curates third-party asset managers and employs a tiered wrap-fee structure for its services.

Ann Edsforth is a financial advisor at Charles Schwab with a Series 66 credential and experience in both the public and private sectors. Her background includes roles at the US Department of Housing & Urban Development and several financial institutions. She is based in Saratoga Springs, NY. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by in-house research and alternative investment due diligence.

Kyle Devincenzo is a financial advisor at Vanguard Advisers with 12 years of industry experience. He holds Series 63 and Series 66 designations and has been with Vanguard and its affiliated entities since 2014. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and employer-sponsored retirement plan participants. The firm uses a goal-based, algorithm-driven approach with portfolios constructed mainly from Vanguard funds and ETFs, combining digital delivery and large-scale client servicing.

Paul Michaels is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his financial services career in 2008 at Susquehanna International Group before joining Merrill Lynch in 2012. Paul serves clients with diverse financial needs, focusing on retirement planning and wealth management, including areas such as corporate benefits, family wealth strategies, legacy planning, liquidity management, and socially responsible investing. Paul holds the Chartered Retirement Planning Counselor (CRPC) and Accredited Asset Management Specialist (AAMS) designations from the College for Financial Planning. He is a graduate of the University of Connecticut. Paul is part of the Tellstone Sullivan Michaels Wealth Management Group, which provides personalized wealth management services to clients including physicians, business owners, executives, and multiple generations. The team emphasizes a holistic, forward-looking approach to wealth management and client service. Outside of his professional role, Paul and his wife Rachel are raising a family in Saratoga. He is involved in community activities such as serving on a committee for ALS Center fundraising. Paul also enjoys adventure sports, baseball, basketball, boxing, football, golfing, ice hockey, reading, running, and spending time with his family.

John Daley is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and 27 years of industry experience. He has been with OSAIC since 2024 and previously worked at UBS Financial Services for 22 years. Outside of his advisory role, he is involved in several book sales and publishing ventures and has a contractual agreement for selling green energy production systems. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a large network of affiliated advisers and advisory platforms. The firm offers integrated brokerage and advisory services with a focus on asset allocation, risk management, and access to third-party money managers and unified managed accounts.

David O Connell is a financial advisor at Mass Mutual Investors Services with 11 years of industry experience. He holds the Series 63 designation and has been with Mass Mutual and its affiliated companies since 2016. 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 offers financial planning, asset management, and educational seminars, employing technology-driven analysis to support collaborative, annual financial planning engagements.

Brandon Bogardus is a CFP® professional with 10 years of experience, currently serving clients at Edward Jones since 2016. He holds the Series 66 license and is based in Clifton Park, NY. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs and access to separately managed accounts, operating under a fiduciary standard.

Jonathan Tamul is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has over 20 years of experience in wealth management and financial planning, dedicating his practice to helping clients achieve their financial goals through customized asset management and guidance. Jonathan leverages Merrill Lynch's investment platform and technology alongside his extensive expertise to provide a personalized wealth management experience. Prior to joining Merrill Lynch in 2017, Jonathan spent 11 years at the Ayco Company, L.P., a Goldman Sachs Company, with six of those years in the Private Wealth Management division. His client focus areas include corporate benefits, employee benefits planning, executive compensation, family wealth management strategies, liquidity management, personal retirement planning, portfolio management, women and wealth, individual and corporate investment strategy, and tax minimization. Jonathan holds a Bachelor's degree in Economics from the University at Albany and is a CERTIFIED FINANCIAL PLANNER (CFP) certificant as well as a Personal Investment Advisor (PIA). Outside of his professional work, he spends time with his wife Tiffany, their two children JJ and Arianna, and enjoys various sports, cooking, and watching movies.

Julia Wittmann is a financial advisor with Raymond James & Associates in Latham, NY, holding a Series 66 designation and bringing 10 years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Advisors. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, pension plans, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a range of portfolio management styles and affiliated research.

Louis Dahoda is a financial advisor with Edward Jones in Clifton Park, NY, holding a Series 66 designation and over 16 years of industry experience. He has been with Edward Jones since 2009. Outside of his advisory role, he is involved in managing several residential rental properties in Waterford, NY. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including high-net-worth and non-high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm offers a range of advisory strategies and investment options, supported by a large network of financial advisors and branch offices nationwide.