Daniel Tidd is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked at Axa Advisors, LLC. 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 serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and various third-party asset managers. The firm employs a hybrid referral and implementation model, combining advisory and brokerage services tailored to client goals and risk tolerance.

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 Schenectady, NY, holding Series 63 and Series 66 licenses and possessing 41 years of industry experience. He has worked at Thrivent Financial for Lutherans since 2004 and with Thrivent Investment Management since 2002. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers comprehensive, goal-based planning across various financial and personal topics without discretionary trading authority and allows clients to combine planning with managed-account services under a consolidated billing option called “WealthPlan.”

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.

Robert Mc Guirk is a financial advisor at OSAIC with four years of industry experience. He holds the CFP® designation along with Series 66 and Series 63 licenses. Prior to joining OSAIC, he worked at Cambridge Investment Research and LPL Financial, and he is also the owner and managing attorney of a law office in Troy, NY, providing estate planning services. OSAIC serves a diverse group of retail and institutional clients through a large network of affiliated advisers and offers a broad range of investment advisory and brokerage services, including financial planning, retirement consulting, and access to third-party money managers. The firm uses various asset-allocation tools and automated rebalancing to construct portfolios and supports multiple advisory platforms and legacy programs.

Melanie Lugo is a financial advisor with Morgan Stanley in Latham, NY, holding Series 63 and Series 66 licenses and having 24 years of industry experience. She has been with Morgan Stanley since 2009 and joined Morgan Stanley Private Bank, N.A. in 2025. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a wide range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its advisory process.

Valentino Leon is an Investment Consultant at Fidelity Investments, a role he has held since 2026. In this capacity, he guides clients with growing assets by connecting them with appropriate resources and teams, and assists clients in the early stages of their financial journey by providing practical direction for the future. Prior to his current position, Valentino served as a Relationship Manager at Fidelity Investments from 2025 to 2026 and as a Financial Representative from 2024 to 2025. This progression has contributed to his experience in financial advising and client relationship management. Outside of his professional responsibilities, Valentino has interests in art, fitness, golf, motorcycles, and music.

Lisa Tennant is a CFP® with 27 years of experience in the financial services industry. She has worked at LPL Financial since 2019 and previously spent 16 years with M&T Securities. Tennant has involvement as a limited partner owner in a local restaurant business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a nationwide network. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services with both discretionary and non-discretionary management options.

Brendan Leavey is a financial advisor at OSAIC with 43 years of industry experience. He holds the Series 63 and Series 65 credentials and was previously with American Portfolios Financial Services, Inc. for 15 years. Outside of his advisory role, he spends limited time in fixed insurance and life insurance brokerage activities. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, financial planning, and access to multiple investment platforms and third-party managers.

Guillermo Trujillo is a financial advisor with Edward Jones in Glenville, NY, holding a Series 66 designation and 11 years of industry experience. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a wide range of advisory programs and investment strategies through a large network of financial advisors and branch offices.

Peter Bernstein is a financial advisor at Wells Fargo Clearing with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. He is based in Saratoga Springs, NY. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Katrina Consiglio is a financial advisor at Raymond James & Associates with 26 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of her advisory work, she serves on the finance committee and board of directors for nonprofit organizations, including the Teresian House Foundation and St. Vincent de Paul Church, and is involved with community groups such as the American Heart Association and Women United of the United Way of the Greater Capital Region. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm also offers wrap fee advisory programs and institutional consulting, with a noted focus on public finance and municipal work.