Nicole Leonard is a Wealth Management Advisor with over 33 years of experience in the financial services industry. She began her career with Citigroup in 1993 and later joined Fleet Bank/Quick & Reilly in Upstate New York in 1999, which became part of Bank of America through acquisition. Currently, Nicole leverages the combined resources of Bank of America and Merrill to assist clients with a wide range of financial needs, including estate planning. She specializes in areas such as college education planning, family wealth management strategies, legacy planning, personal retirement planning, portfolio management services, women and wealth, and retirement income. Nicole is committed to helping clients define their financial goals and develop strategies to achieve them while navigating the abundance of financial information available. She often collaborates with firm specialists to provide expert guidance on wealth transfer maximization, family protection, income replacement, cash management strategies, and credit strategies. Nicole holds a Personal Investment Advisor (PIA) designation and earned her bachelor's degree from the State University of New York at Albany. Outside of her professional role, Nicole and her husband, Mike, are raising three children in Saratoga Springs. She volunteers in her community, having served as President of the Lake Avenue Elementary PTA Executive Board and participating in booster clubs and national charity organizations including the American Heart Association. Her personal interests include skiing, hiking, reading, photography, scrapbooking, traveling, spending time with her family, and watching movies.

Lilien Woolbert is a financial advisor at Fidelity with Series 63 and Series 65 licenses and two years of industry experience. Prior to joining Fidelity, Lilien worked at Trustco Bank and has a diverse background including roles in homemaking and managing a pet-related business. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and systematic portfolio construction across mutual funds, ETFs, and ETPs.

Joseph Milanese Jr. is a financial advisor with LPL Financial in Albany, NY, holding a Series 66 designation and one year of industry experience. Prior to joining LPL, he held positions in hospitality and education, including roles at BBL Hospitality, St John Fisher University, and Averill Park Central School District. 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 services, supported by extensive advisory tools and a broad network of over 22,800 advisors.

Douglas Kelly is a financial advisor with Ameriprise in Latham, NY, holding a Series 66 designation and five years of industry experience. Prior to Ameriprise, he worked at ePlus Technology Inc. and Systems Management Planning, Inc. Kelly is also involved in outside financial planning and advisory activities through IFSE, LLC. Ameriprise Financial Services is a diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Amanda Kowalski is a financial advisor at Merrill with 24 years of industry experience. She has been with Merrill since 2004 and holds the Series 63 and Series 66 designations. Outside of her advisory role, she serves as a trustee for a family trust in Albany, New York. 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 using model-based and discretionary investment strategies.

Frederick Disbrow is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds the Series 66 designation and has worked at J.P. Morgan Chase Bank, N.A. and Citizens Securities, Inc. prior to his current role. Based in Albany, NY, he has been with J.P. Morgan since 2021. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

James LaCour is a Financial Consultant at Fidelity Investments, a role he has held since 2025. He has been with Fidelity Investments since 2022, progressing through various consultant positions including Planning Consultant and Investment Consultant. Prior to Fidelity, James served as a Registered Representative at Equity Services, Inc and as a Financial Advisor at Thoroughbred Advisors from 2020 to 2022. James empowers clients to make informed financial decisions by engaging them through a structured three-step process that includes personal and professional understanding, collaborative planning, and tailored recommendations. His approach emphasizes client confidence in their financial plans. In his personal time, James enjoys board games, family activities, golf, painting, parenthood, and caring for pets.

John Manne II is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and seven years of industry experience. He has worked at firms including Cadaret, Grant & Co., Inc., Northwestern Mutual, and R.J. McNamara Financial. Manne is involved with R.J. McNamara Financial in a non-variable insurance capacity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, offering access to model portfolios, third-party asset managers, and institutional platforms, supported by technology tools for research and operations.

Derek Bell is a financial advisor at LPL Financial with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at UBS Financial Services and Cadaret, Grant & Co., Inc. since 2004. Bell has operated Bell Financial LLC since 2005, which includes tax preparation and accounting services alongside his advisory work. 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 utilizing model portfolios, third-party subadvisors, and customized strategies, supported by extensive operational tools and a diversified platform that includes insurance and credit services.

Mark Felice is a financial advisor with LPL Financial in Albany, NY, holding Series 63 and Series 66 licenses and four years of industry experience. Prior to joining LPL Financial in 2025, he worked at Nationwide Investment Services Corporation and JPMorgan Chase Bank. Outside of his advisory role, he owns a cleaning business, Meet the Mark Cleaning LLC, and is a notary. 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 investment management solutions supported by advisor-facing tools and access to multiple asset management strategies.

Barry Rings Jr. is a CFP® professional with 11 years of experience in the financial services industry. He is currently with LPL Financial and has previously worked at Cadaret Grant & Co., Atlas Private Wealth Management, and Northwestern Mutual. Outside of his advisory role, he serves as Youth Director for the Town of Nassau. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management services, utilizing both proprietary and third-party strategies, supported by advanced operational tools.

James Merrill is a financial advisor at Edward Jones with 25 years of industry experience. He has been with Edward Jones since 2000 and holds Series 63 and Series 66 licenses. Outside of his advisory role, he is involved in maintaining a commercial real estate property in Albany, NY. 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 nationwide network of financial advisors and branch offices.

Ryan Lambert is a financial advisor at Ameriprise with 21 years of industry experience. He holds the Series 66 designation and has worked at Ameriprise since 2018, with prior roles at Mass Mutual and MetLife Securities. Outside of his advisory work, Lambert serves on the board of directors and as a training coordinator for the nonprofit Reach for the Stars. Ameriprise is a large institutional firm that offers retirement-income planning services tailored to individuals approaching or in retirement, typically with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary, written recommendation reports, supported by a centralized consulting team and automated processes overseen by an internal committee.

Dahvia Doring is a financial advisor with LPL Financial in Troy, NY, holding a Series 63 designation and 11 years of industry experience. She has been with LPL Financial since 2015. Outside of her advisory role, Doring works seasonally in inbound stocking for a major retailer. 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, and institutional platforms, supported by technology tools for operational and research purposes.

Virginia Schnapp is a financial advisor with Morgan Stanley in Latham, NY, holding a Series 66 designation and 4 years of industry experience. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a wide range of advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and detailed modeling techniques in its financial planning process.

Brigitte Murphy is a financial advisor with LPL Financial in Latham, NY, holding Series 63 and Series 66 credentials and bringing 19 years of industry experience. Her prior experience includes roles at Key Investment Services LLC and earlier tenure at LPL Financial. Murphy is involved in multi-level marketing as a dietary supplement distributor. 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 various advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Annmarie Franke Suarato is a Senior Financial Advisor with Merrill Lynch Wealth Management. She leads the Franke Stento Mohan Irwin Group, providing goals-based wealth management services to affluent families, accomplished professionals, and successful business owners nationwide. Annmarie and her team focus on cultivating long-lasting relationships by delivering customized advice, exceptional service, and a disciplined approach to investing. Before transitioning to wealth management, Annmarie spent over eight years working on sales teams at two major asset managers in downtown Boston. She holds a Bachelor of Science degree in Finance from Siena College in Loudonville, New York, where she also played on the rugby team and continues to stay involved with the organization. Her professional expertise encompasses areas such as college education planning, divorce transition planning, employee benefits planning, executive compensation, family wealth management strategies, liquidity management, personal retirement planning, portfolio management services, small business strategies, and retirement income. Annmarie resides in Niskayuna, New York, with her wife, daughter, and their yellow Labrador. Outside of her professional activities, she participates in Habitat for Humanity and enjoys boating, fishing, golfing, skiing, traveling, rugby, and fitness. She holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations.

Thomas Brown is a CFP®-designated financial advisor with 39 years of industry experience. He is currently with LPL Financial and Pioneer Bank and previously led Brown Financial Management Group for 18 years. Outside of advising, he manages Brown Farms LLC, a family farm operation. 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 through a large network of representatives, utilizing model portfolios, third-party subadvisors, and customized strategies.

Brenda Delaney is a financial advisor at Primerica Advisors with 13 years of industry experience. She holds a Series 63 designation and has worked with PFS Investments Inc. since 2012, NSA since 2007, and Primerica Financial Services since 2002. In addition to her advisory role, she is involved in the sale of non-investment products including loan products and home security services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, operating under a tiered wrap fee structure.

Eric Wendling is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 24 years of industry experience. He has worked at Wells Fargo Clearing Services LLC since 2019 and previously held positions at Bank of America and Merrill. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute alongside third-party analytics.