James Hart is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 credentials and 40 years of industry experience. His prior roles include positions at Bank of America, N.A., and Merrill. He has served as president of Albany City Rocks, a nonprofit youth sports and mentoring organization, since its founding 30 years ago. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory services, offering financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management and provides a range of capital markets and research resources to tailor client solutions.

Samuel Zimmerman is a financial advisor with Morgan Stanley in Latham, NY, holding Series 65 and Series 66 licenses and bringing 17 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he manages his high school class reunion account for Gloversville High School. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and modeling techniques.

Michael Triolo is a financial advisor with Morgan Stanley in Latham, NY, holding a Series 66 designation and bringing 12 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2018, following a nine-year tenure at Archview Investment Group LP. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

Rachel Minor is a financial advisor at LPL Financial with 10 years of industry experience. She holds the Series 63 designation and previously worked at Cadaret, Grant & Co., Inc. for nine years. She maintains a separate business entity, Pombo Wealth Management, which operates as a DBA related to her LPL business. 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 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.

David Rogers is a financial advisor with RBC Capital Markets in Albany, NY, holding Series 63 and Series 65 designations and bringing 43 years of industry experience. He has worked at RBC Capital Markets since 2008 and at City National Bank since 2018. Outside of his advisory work, he serves as treasurer on the board of directors for The Shore Condo Association Inc. in Longboat Key, Florida. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers a range of advisory programs with customizable portfolio management, financial planning, and brokerage services, utilizing both in-house and third-party investment managers.

Nicole Mann is a financial advisor with LPL Financial in Latham, NY, holding Series 63 and Series 66 licenses and having 11 years of industry experience. Her work history includes roles at Citizens Securities, Inc., Broadview Federal Credit Union, and currently Hudson Valley Credit Union, in addition to her tenure at LPL Financial since 2020. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a range of services including financial planning, wrap and model portfolio programs, third-party asset management, and institutional platforms, supporting a mix of discretionary and non-discretionary account management strategies.

Lori Haertel is a financial advisor at Morgan Stanley with 19 years of industry experience. She has held her current role since 2009 at Morgan Stanley Smith Barney and holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services that integrate planning methodologies such as Monte Carlo simulations and Secular Return Estimates.

Jennifer Nolan is a Senior Financial Advisor at Merrill Lynch Wealth Management. She provides financial advisory services, leveraging her expertise in wealth management to support her clients' investment goals. Jennifer holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Villanova University.

Gretchen Meyer Thornton is a financial advisor with LPL Financial in Latham, NY, holding a Series 66 credential and 13 years of industry experience. She previously worked at INVEST Financial Corporation and Equitable Advisors. Thornton is a member of the Entrepreneur Organization, an activity outside her advisory role. 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 with access to various investment programs and platforms, supported by technology tools for operational and research purposes.

Rohail Sarwar is a financial advisor with Ameriprise in Albany, NY, holding Series 63 and Series 66 licenses and three years of industry experience. His prior career includes roles at Cetera Investment Services, New York Life Insurance, and several financial and management firms. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning that focuses on dependable income sources and tax-aware withdrawal strategies. The firm’s approach includes collaborative, non-discretionary implementation and utilizes proprietary research and third-party data in its recommendations.

Jesse Flinton is a financial advisor at Charles Schwab with 11 years of industry experience. He holds a Series 66 designation and has worked at firms including Merrill, Citizens Securities, and JP Morgan before joining Charles Schwab in 2022. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment options. The firm is notable for its scale, integrated operational structure, and multi-asset model portfolios supported by the Schwab Center for Financial Research.

Donna Burnett is a financial advisor at Merrill with 12 years at the firm and a total of 10 years of industry experience. She holds Series 63 and Series 66 designations and is based in Albany, NY. 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.

Daniel Galvin is a financial advisor at Merrill with 31 years of industry experience. He has worked at Merrill since 2009 and holds the Series 63 and Series 65 designations. Outside of his advisory role, he owns rental property in Sioux Falls, SD. 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 serves a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering both model-based and discretionary investment strategies.

James Meisner Jr. is a financial advisor with Morgan Stanley in Latham, NY, holding Series 63, 65, and 66 licenses and bringing 42 years of industry experience. He has been affiliated with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, following a prior role at Citigroup Global Markets starting in 1993. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning that utilizes firm-approved tools and scenario modeling. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-based financial planning services.

Sasa Mirkovic is a Series 66-licensed financial advisor with Ameriprise, based in Schenectady, NY, and has 27 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, Mirkovic is involved in business ownership and consulting activities, including coaching and managing operations for Inspire Network LLC, and serves as Development Chair on the Board of Directors for Junior Achievement of NENY. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing tailored recommendation reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized guidance, with a focus on assets held in Ameriprise-managed accounts.

Michael Deperto is a financial advisor with LPL Financial, holding the ChFC® designation and Series 63 license, and has 33 years of industry experience. Prior to joining LPL in 2025, he worked at Kovack Advisors, Inc. and Kovack Securities, Inc. for six years, as well as at Voya Financial Advisors for 12 years. Outside of his advisory role, he is involved with Advisors Insurance Brokers, a non-variable insurance business. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with research and operational tools while managing over $819 billion in discretionary assets.

Kevin Wendoloski is a financial advisor with Merrill and holds a Series 66 designation. He has 11 years of experience with Merrill and 2 years at Bank of America, N.A. Outside of his advisory role, he performs music occasionally at a local restaurant in Saratoga Springs, NY. 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 strategies to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Daniel Sullivan is a financial advisor with Merrill based in Latham, NY, holding a Series 66 designation and 20 years of industry experience. He has worked at Merrill since 2009 and concurrently at Bank of America, N.A. since 2011. Outside of his advisory role, he serves as a committee member for the Leukemia Lymphoma Society, focusing on supporting fundraising efforts for awareness and research. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, and various institutional investors. The firm employs model-based and discretionary investment strategies developed by internal and third-party managers, offering tax-aware options and tailored investment restrictions.

Gerard Colistra is a financial advisor at LPL Financial with 42 years of industry experience. He holds the ChFC® designation and the Series 63 license. Prior to joining LPL Financial in 2025, he worked for Cadaret, Grant & Co., Inc. for nine years and operated Omni Insurance for over 30 years. His other business activities include ownership and management roles in multiple insurance-related entities. 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 financial planning, model portfolios, third-party asset management, and institutional platforms, combining advisory services with a broad range of non-advisory financial products.

Jayson Chichelli is a financial advisor with LPL Financial in Latham, NY, holding a Series 66 credential and two years of industry experience. Prior to joining LPL Financial in 2024, he held roles at Paychex and various other organizations, including Siena College and McQuaid Jesuit High School. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advisor-facing research and operational tools.