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.

Nathan Phang is a financial advisor at Equitable Advisors with a Series 66 designation. He has one year of industry experience, including prior roles at Adelvia and TAG Solutions. Equitable Advisors serves a diverse client base including individuals, retirement plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and various asset management programs. The firm utilizes a range of advisory models implemented by third-party sponsors and emphasizes matching clients to appropriate investment strategies without advertising hypothetical performance.

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.

Christopher Nyhan is a financial advisor with Edward Jones in Burnt Hills, NY, holding a Series 63 designation and 20 years of industry experience. He has been with Edward Jones since 2005. Nyhan serves on the board of trustees for Turtle Island Trust and holds leadership roles in local community organizations, including the Burnt Hills-Ballston Lake Education Foundation and the Burnt Hills United Methodist Church investment and endowment committees. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, supported by a large network of financial advisors and branch offices, and operates under a fiduciary standard.

Michael O'Toole III is a Wealth Management Advisor at Merrill Lynch Wealth Management, specializing in retirement planning and serving corporate executives, affluent individuals, and families across 20 states. He leads a designated Retirement Planning advisory team and offers portfolio management services tailored to clients' financial objectives. Michael began his career at Merrill Lynch in 1993 after completing his military service and has held leadership roles including Resident Manager of the Pittsfield, Massachusetts office. He holds a Bachelor's degree from the United States Military Academy at West Point and has earned several professional designations including Certified 401(k) Professional (C(k)P^®^), Certified Investment Management Analyst (CIMA^®^), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Michael has also completed investment courses at the University of Chicago Booth School of Business and Stanford University's Graduate School of Business. Michael is active in his community, serving on various boards in the Capital Region and currently sitting on the U.S. Military Academies selection committee for his local U.S. Congressman. He has also been involved with the Save the Children committee. Michael resides in Clifton Park with his wife Anja and their two sons.

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.

Anthony Capobianco is a financial advisor with Cetera who holds the Series 63 designation and has 44 years of industry experience. His career includes roles at Cetera Wealth Services, LLC and Tower Square Securities, Inc. He is the principal and owner of Capobianco & Associates, LLC, and has engaged in insurance sales since 1980. Outside of finance, he serves as treasurer for a homeowners association and is a part owner of several racehorses. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individual investors, retirement plans, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a large network of independent advisors and utilizes a multi-manager platform with diverse program options.

Daniel Tidd is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, since 1999. Outside of his advisory role, he serves as an administrator or executor of estates and trustee of trusts for family and non-family members. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, charitable organizations, and institutional clients. The firm employs a range of advisory models delivered through Investment Adviser Representatives and third-party managers, offering a variety of investment products including mutual funds, ETFs, separately managed accounts, and select alternative investments.

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.

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.

Timothy Irwin serves as a Senior Financial Advisor, leading the Franke Stento Mohan Irwin Group at Merrill Lynch Wealth Management. He and his team provide goals-based wealth management services to affluent families, accomplished professionals, and successful business owners nationwide, focusing on cultivating long-lasting relationships through exceptional service, customized advice, and disciplined investment approaches. Before transitioning to wealth management, Timothy spent over eight years on the sales teams of two major asset managers in downtown Boston. He holds a Bachelor of Science degree in Finance from Siena College in Loudonville, NY, where he also participated in the rugby team and remains active in the Siena College Rugby Football Club. His professional designations include Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Originally from the Hudson Valley, Timothy currently resides in Niskayuna, NY with his wife Kelsey, daughter Charlie, and their yellow lab Doug. His personal interests include golf, skiing, boating, fishing, traveling, rugby, and fitness. He is involved in the community through Habitat for Humanity.

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.

William Canale is a CFP® professional with 38 years of experience in financial advisory. He is currently with Ameriprise Financial Services LLC and previously worked at Quartz Partners Investment Management and Etico Wealth Management. Ameriprise provides retirement-income planning services focused on individuals approaching or in retirement with substantial investable assets, delivering tailored, research-driven recommendations through a centralized consulting team that combines modeling and tax-efficiency analysis.

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.

Christopher Charlton is a financial advisor with LPL Financial and holds the Series 66 designation. He began his advisory role at LPL Financial in 2026 and has prior work experience at Broadview Federal Credit Union and several other organizations. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, and provides access to model portfolios and research from various sources.

Brian Goldwasser is a financial advisor with Morgan Stanley, holding a Series 66 designation and bringing 10 years of industry experience. He 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 is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market outlook models as part of its advisory process.

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.

Michael Frontera is a CFP® and ChFC® with 22 years of industry experience. He is currently an advisor at Cambridge Investment Research Advisors, where he has worked since 2019. Prior to that, he spent 16 years at Equity Services Inc. In addition to his advisory role, Frontera owns Retirement Theory, through which he acts as an independent insurance agent and provides tax preparation and accounting services. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement advisory services. The firm utilizes a variety of portfolio management strategies and delivery platforms, combining proprietary models with access to unaffiliated strategists.