Margaret Pennisi is a financial advisor at Wells Fargo Advisors with 10 years of industry experience. She holds the Series 66 designation and has worked primarily within Wells Fargo entities since 2016. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and financial planning services to individuals, trusts, and institutions. The firm provides a broad range of planning services covering areas such as retirement, education, risk, and wealth-transfer planning, utilizing proprietary research and planning tools to develop tailored recommendations.

Ryan Kelton is a financial advisor at Raymond James Financial with over 11 years of industry experience. He holds the CFP® and ChFC® designations and has worked previously at Northwestern Mutual. Kelton is involved in a tax practice called KFG Tax Services, LLC, which offers accounting services separate from his advisory work. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, and institutions. The firm offers tailored, non-discretionary planning and analytical tools to support client goals and maintains a unique affiliation with a municipal advisor to enhance its public finance capabilities.

Paul Coluccio is a financial advisor at LPL Financial with 23 years of industry experience. He holds the Series 66 designation and has worked at LPL Financial since 2020, following eight years at Cambridge Investment Research and two years at Equitable Advisors. Coluccio is also involved with Rosemont Financial Group, a non-variable insurance and investment-related business. 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, including financial planning, model portfolio programs, and institutional platforms, supported by various investment strategies and advisor tools.

Ashton Britt is a financial advisor with Ameriprise in Cohoes, NY, holding a Series 66 designation and four years of industry experience. Prior to joining Ameriprise in 2022, Britt worked in various roles including positions at Siena College and DICK's Sporting Goods. Ameriprise offers a retirement-income planning service primarily for clients with significant investable assets, combining research-driven modeling, tax-efficient strategies, and algorithmic support to generate personalized retirement recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Thomas Gipson Jr. is a Wealth Management Advisor with Merrill Lynch Wealth Management in Mt. Kisco, NY. He began his career in 2007 following the completion of a Master's Degree from St. John's University. His professional experience includes work at Forex Capital Markets, where he focused on compliance and led regulatory audits for international branch offices. In 2009, he joined Morgan Stanley on a wealth management team, implementing tactical investment management strategies aimed at maximizing returns and reducing volatility. Thomas holds a Bachelor's Degree from St. Lawrence University and a Master's Degree from St. John's University. He has earned multiple professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His expertise spans areas such as college education planning, divorce transition planning, family wealth management strategies, and retirement income planning. Born in Brooklyn, NY, Thomas spent his formative years in the Adirondacks and graduated from Lake George High School. He is married to Jessica, whom he met at St. Lawrence University, and together they have two children. Outside of his professional role, Thomas enjoys baseball, football, golfing, ice hockey, reading, and spending time with his family.

Anthony Pereira is a CFP® with 17 years of experience in the financial services industry. He has worked at Charles Schwab and Charles Schwab Bank SSB since 2017, following prior roles at Axa Advisors, LLC and Capital Preservation Partners, Inc. Anthony is based in Albany, NY and holds Series 63 and Series 66 licenses. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment management, utilizing multi-asset model portfolios and access to alternative investments through a centralized, integrated platform.

Steven Massey is a Series 66-licensed financial advisor with LPL Financial in Albany, NY, bringing 26 years of industry experience. He has worked with LPL Financial since 2002 and held positions at Cap Com Financial Services, LLC for 19 years and Broadview Federal Credit Union. 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, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Salvatore Salerno is a Financial Advisor affiliated with Merrill Lynch Wealth Management. He specializes in creating personalized wealth management strategies that align with each client's unique financial goals and priorities. Salvatore emphasizes a disciplined and thoughtful approach to investment planning, aiming to build flexible plans that address changing market conditions and economic uncertainties. With a focus on clear communication, Salvatore helps clients understand their investment decisions to foster confidence throughout the financial planning process. He holds the Personal Investment Advisor (PIA) designation and earned his bachelor's degree from Syracuse University. Outside of his professional work, Salvatore has personal interests that include basketball, cooking, football, golfing, hiking, pickleball, skiing, tennis, traveling, and volleyball.

William Kopp is a financial advisor at LPL Financial with 56 years of industry experience. He holds a Series 63 designation and has worked previously at Cetera Advisors LLC and National Life Insurance Co. He has a minority ownership interest in a non-variable insurance 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 financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of advisors and advanced operational tools.

Shelby Martin is a financial advisor with LPL Financial in Albany, NY, holding a Series 66 designation and nine years of industry experience. He has been associated with LPL Financial since 2016 and operates an independent investment advisory firm, WealthOne, LLC, through which he provides advisory services. 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 financial planning and asset management solutions, with a large network of advisors and extensive non-advisory financial services.

Scott Moore currently serves as a Planning Consultant at Fidelity Investments. He began his career in financial services as a Personal Banker at North Shore Bank in 2019 before moving to J.P. Morgan Securities as a Licensed Relationship Banker from 2019 to 2021. In 2021, he joined Fidelity Investments as a Planning Consultant, briefly held the role of Investment Consultant from 2025 to 2026, and then resumed his position as Planning Consultant. Scott focuses on building long-term client relationships through education and care, aiming to understand clients' concerns and objectives to advocate for their financial independence as defined by them and their families. His approach emphasizes listening and personalized financial planning. Outside of his professional work, Scott's interests include fitness, pets, scuba diving, swimming, and traveling.

Christopher Noonan is a financial advisor at LPL Financial with 21 years of industry experience. He holds a Series 63 designation and previously worked at Cambridge Investment Research Advisors, Inc. and Cambridge Investment Research, Inc. from 2016 to 2020. 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, and institutional platforms.

Abigail Boslet is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and 15 years of industry experience. Her career includes roles at Foresters Financial and Foresters Advisory Services LLC before joining Cetera in 2019. Outside of her financial work, she performs as an entertainer, playing guitar and singing. Cetera Investment Advisers LLC serves 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 access to affiliated and third-party managers.

Nicholas Bytner is a Series 66-licensed financial advisor affiliated with LPL Financial in Albany, NY. He has experience working at LPL Financial since 2025 and previously held roles at Homeowners Advantage and Broadview Federal Credit Union. 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 broad range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Jennifer Bayliss is a financial advisor with Ameriprise in Albany, NY, holding Series 65 and Series 66 licenses and five years of industry experience. She has worked at Ameriprise since 2016 and previously was involved with Rodan and Fields for five years, alongside a twelve-year tenure at Williams College. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning through written Recommendation Reports and ongoing advice. The firm’s approach incorporates investment research, third-party data, and algorithmic tools, with restrictive enrollment criteria and a managed account offering that includes affiliated investment products.

Peter Hussey is a financial advisor at LPL Financial with 44 years of industry experience. He holds the CFP® and Series 63 designations. Prior to joining LPL Financial in 2025, he worked for Next Financial Group, Inc. for 22 years. He is also involved in non-variable insurance activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Clinton Mc Gowan is a financial advisor at UBS Financial Services with 29 years of industry experience. He previously worked at Goldman, Sachs & Co for 17 years and Stonehaven, LLC for 4 years. He holds Series 63 and Series 65 designations. 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 uses proprietary capital market assumptions and research to tailor investment plans according to clients’ goals and risk tolerances.

David Needham is a CFP® and holds a Series 66 license with 23 years of industry experience. He has been with Ameriprise and its affiliates since 2007, currently serving clients out of Clifton Park, NY. Ameriprise provides retirement-income planning services focused on individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations, supported by a centralized consulting team and algorithmic tools.

Frank Chiappone is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and bringing 45 years of industry experience. His previous roles include positions at RMR Wealth Management, Dinosaur Securities, and DLG Wealth Management LLC. Outside of his advisory work, he is involved in life and disability insurance sales with multiple insurance companies and provides home care options for seniors through a related business activity. 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, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Mark Davies is a financial advisor with Cetera who holds Series 63 and Series 66 credentials and has 15 years of industry experience. His prior work includes roles at KeyBank, Key Investment Services LLC, and M&T Securities, INC. He is based in Latham, NY. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and consulting services through a multi-manager platform that provides access to affiliated and third-party managers, with various program structures and custodial relationships.