Kelsey Irwin is a Wealth Management Advisor at Merrill Lynch Wealth Management, where she has been providing tailored wealth strategies since joining in 2011. She specializes in helping individuals and families build, manage, and preserve their wealth through personalized financial planning and investment management. Her work focuses on addressing client needs across various areas including college education planning, legacy planning, retirement income, tax minimization, and socially responsible investing. Kelsey holds a Bachelor's Degree from the University of Florida and a Master of Business Administration from Boston College Carroll School of Management. She is certified as a CERTIFIED FINANCIAL PLANNER® (CFP®) and Chartered Retirement Planning Counselor™ (CRPC), and holds FINRA Series 7 and 66 registrations. She works as part of the Franke, Stento, Mohan & Irwin Group, providing practical strategies and detailed planning to help clients simplify wealth complexities. Originally from Florida, Kelsey currently resides in Niskayuna, New York. She is a member of the Junior League of Boston. Outside of work, she enjoys running, including having completed seven marathons and qualified twice for the Boston Marathon, as well as boating, cooking, swimming, traveling, yoga, and spending time with her family.

Thomas Mcdonald Jr. is a Series 66-licensed financial advisor with 13 years of industry experience. He previously worked at Janney Montgomery Scott before joining Raymond James & Associates 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 diverse client base including individuals, institutions, and municipal entities, offering financial planning and consulting through various advisory programs with a focus on non-discretionary relationships.

John Petersen is a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management, serving clients in the Capital Region since 1992. He began his career in financial services in 1986 and focuses on delivering comprehensive wealth management strategies tailored to the needs of high-net-worth individuals and families. John works closely with clients to identify and pursue their primary financial goals, including education funding, tax minimization, retirement planning, and legacy strategies. John holds the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc. He is a graduate of Providence College with a bachelor's degree in Business Finance. Through his access to Merrill's investment resources and the banking services of Bank of America, he provides disciplined and customized wealth management advice aimed at building, managing, and preserving clients' wealth across generations. In addition to his professional work, John and his family are active in their community in Loudonville. He supports organizations such as Wicklund Warriors, Inc., and is involved with the Lake George Association. His personal interests include boating, cooking, golfing, hiking, music, photography, reading, skiing, tennis, and spending time with his family.

Jennifer Franciosa is a financial advisor at Merrill with 28 years of industry experience. She holds the Series 63 and Series 66 licenses and has been with Merrill since 1997. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

David Massaroni is a financial advisor with LPL Financial in Latham, NY, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. His prior roles include positions at Bank of America, Merrill, and Wells Fargo Advisors. Outside of his advisory work, he is involved in consulting through a home-based business. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from both internal and third-party sources.

Shon Mclain is a financial advisor with Osaic Wealth, Inc. in Saratoga Springs, NY, holding a Series 63 designation and bringing 25 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, Massmutual Life Insurance Co, National Life Group, and Equity Services, Inc. Outside of his advisory work, he is a partial owner of thoroughbred racehorses. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of financial advisers. The firm provides integrated brokerage and advisory services with a focus on asset allocation, risk assessment, and portfolio management using various investment vehicles and third-party platforms.

Robert Colley is a CFP® with 46 years of industry experience, currently affiliated with Cetera. He has a long tenure in financial services, including roles at Cadaret, Grant & Co., Inc., and as a principal of Colley & Colley, Inc. dba Cornerstone Financial Advisors since 1994. Outside of his advisory work, he serves as a personal assistant and caregiver for an elderly relative. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a variety of portfolio management and financial planning services, allowing advisors to utilize multiple program structures and manager options.

Jacqueline Marshall is a financial advisor at LPL Financial with 42 years of industry experience. She holds the Series 66 designation and previously worked at Next Financial Group, Inc. for 23 years. In addition to her advisory role, she is active as a FINRA arbitrator and operates a tax preparation and accounting business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary portfolio management, supported by research from internal and third-party sources.

Matthew Tarullo is a financial advisor with Cetera, holding Series 63 and Series 65 designations and having 10 years of industry experience. He has worked at Cetera and its affiliated entities since 2019 and previously was with Foresters Financial Services for four years. Outside of his advisory work, Tarullo is a physical education teacher at CSD Highschool. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with both affiliated and third-party managers, and manages assets totaling over $256 billion.

Brian Cumming is a financial advisor at Equitable Advisors with 13 years of industry experience. He holds the Series 66 designation and has worked at Equitable Advisors since 2013, including time at Axa Advisors LLC. Outside of his advisory role, he serves on the Stewarts MYO Scholarship Selection Committee and is a volunteer member of the Board of Directors for Northern Rivers. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset-management programs. The firm employs a range of advisory models, including third-party TAMPS and discretionary management, and provides ERISA fiduciary services through credentialed advisors.

Daniel Miller is a financial advisor with Ameriprise in Latham, NY, holding a Series 63 designation and 11 years of industry experience. His career includes roles at Ameriprise Financial Services, MassMutual, and MetLife Empire Group. He serves on the Board of Directors for the Ronald McDonald House of the Capital District. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm delivers these recommendations through a centralized consulting team in partnership with financial advisors and emphasizes assets held in Ameriprise Managed Accounts.

Richard White is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 designations and has 38 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning through its network of Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and methodologies.

Anthony Russo is a financial advisor at Morgan Stanley with 21 years of industry experience. He holds the ChFC® designation along with Series 63, 65, and 66 licenses. Prior to joining Morgan Stanley, Russo worked at Bank of America, Merrill, and Wells Fargo Advisors. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and financial planning services supported by structured discovery processes and firm-approved tools.

Chelsea Whiteman is a financial advisor at Cetera with 14 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Cetera and Foresters Financial in various capacities since 2012. She also conducts biannual adult education workshops on Social Security without compensation. 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 a range of portfolio management and financial planning services through a multi-manager platform with both discretionary and non-discretionary program options.

Michael Nelson Jr. is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 15 years of industry experience. He has worked at Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm operates on a large scale with a broad range of brokerage and advisory solutions.

Sean Moloney is a Wealth Management Advisor with Merrill Lynch Wealth Management, a tenure that began with its predecessors in 1994. He specializes in providing clients with individually tailored wealth and investment management strategies aimed at helping them realize their personal life goals. His approach includes attention to asset allocation, market capture, and risk-adjusted returns, with services encompassing portfolio development, liability management, tax minimization, legacy planning, and asset preservation. Sean holds a Bachelor of Science degree in Finance from St. John's University, earned in 1991. He has obtained several professional designations including Accredited Asset Management Specialist (AAMS), Certified Exit Planning Advisor (CEPA), and Personal Investment Advisor (PIA). He also maintains Series 7, 63, 65 FINRA registrations as well as Life and Health licenses. In addition to his professional work, Sean is involved with several community organizations such as Alight, the American Diabetes Association, American Heart Association, Bethlehem YMCA Advisory Board, Girls Inc., and Interfaith Partnership of the Homeless. He resides in Bethlehem, NY with his family.

April Wilson is a Series 66-licensed financial advisor with Morgan Stanley in Latham, NY, with seven years of industry experience. She has worked at Morgan Stanley Smith Barney LLC since 2017 and previously held positions at Key Investment Services LLC and HSBC Bank/First Niagara Bank/KeyBank. Outside of advisory work, she is involved in a manufacturing business, Awnpoint Awning LLC, and manages a rental property jointly owned with her husband. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm combines structured planning tools with investment insights from its Global Investment Committee and manages approximately $2.74 trillion in client assets.

Carrie Benson is a Wealth Management Advisor and Vice President at Merrill Lynch Wealth Management. She began her financial services career in 2005 and joined Merrill Lynch Wealth Management in 2008. In her role, she assists clients in building comprehensive wealth management strategies tailored to their individual needs. Carrie has over 20 years of experience providing financial and wealth management advice and services. Her areas of focus include retirement planning, education planning, legacy planning, family wealth management strategies, investment consulting for defined contribution plans, employee financial health, socially responsible and values-based investing, tax minimization, and retirement income. She holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment (SE). Carrie earned a Bachelor's Degree from Providence College. Outside of her professional work, she enjoys camping, hiking, reading, and running.

Elizabeth Charron is a financial advisor with Merrill in Clifton Park, NY, holding Series 63 and Series 66 designations and 29 years of industry experience. She has been with Merrill since 2005. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

William Selig is a financial advisor at LPL Financial with 16 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at firms including Securities America Advisors, Key Investment Services LLC, and KeyBank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and services, including financial planning, retirement plan consulting, and brokerage services, with both discretionary and non-discretionary management options.