Philip Robillard is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he worked for Walgreens and CVS Health. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a wide range of investment strategies and operates under a fiduciary standard, with a large network of financial advisors and branch offices nationwide.

Christopher Shaver is a CFP® with 13 years of industry experience, currently affiliated with Raymond James Financial. He has worked with The Kelton Financial Group and Northwestern Mutual in prior roles. Shaver holds a Series 63 license and is based in Latham, NY. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individuals, high-net-worth clients, institutions, and nonprofit organizations. The firm offers tailored, non-discretionary advisory services supported by analytical tools and maintains specialized programs for municipal finance and retirement plan consulting.

H Okby is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 credentials and has 43 years of industry experience. He has been with Morgan Stanley since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, he is involved in real estate development as the owner of 3 Franklin, LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and investment models to support its advisory services.

Stacy Akaka is a Series 66-licensed financial advisor with Morgan Stanley, based in Saratoga Springs, NY, and has 10 years of industry experience. Prior to joining Morgan Stanley in 2023, she worked at Bank of America and Merrill from 2015 to 2023. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and research.

Jonathan Mulligan is a CFP®-certified financial advisor with four years of industry experience, currently with Cetera. He has worked previously at Raymond James Financial Services and Ameriprise, among other firms. Outside of his role at Cetera, he manages Legacy Wealth Planning Group, where he oversees financial planning and portfolio management. Cetera Investment Advisers LLC is a large SEC-registered firm that serves a broad range of clients, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers diversified investment programs and financial planning services through a nationwide network of independent advisors.

Jacob Coughlin is a financial advisor at Raymond James Financial with a Series 66 designation and one year of industry experience. His prior work includes roles at Commonwealth Financial Network and CG Capital, as well as positions outside the financial industry at Dick's Sporting Goods and Edgewood Country Club. He has also been involved in educational roles at Duquesne University and local schools. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, high-net-worth clients, corporations, and institutional investors. The firm uses analytical tools and risk profiling to deliver tailored non-discretionary planning and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Kevin Reich is a financial advisor at Mass Mutual Investors Services with 13 years of industry experience. He holds Series 65 and Series 63 registrations and has previously worked at Merrill and Bank of America. Reich has been with Mass Mutual and its subsidiary since 2023. 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 offers ongoing, collaborative financial planning engagements using firm-approved tools and also provides specialized programs such as divorce planning and employer-sponsored planning.

Mitchell Hansen is a financial advisor at Cetera with seven years of industry experience. He holds the Series 63 designation and has worked at Cetera and Cetera Investment Services LLC since 2019. Prior to his advisory roles, he held positions at Foresters Financial Services, the Commission on Independent Colleges and Universities, and had experience in home improvements and food service. Cetera Investment Advisers LLC is an SEC-registered firm that 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, utilizing a multi-manager platform with various program options and affiliations.

Andrew Pleat is a Resident Director and Wealth Management Advisor with Merrill Lynch Wealth Management. He has been in the financial services industry since 1998 and joined Merrill Lynch in 2012. Andrew is a CERTIFIED FINANCIAL PLANNER® professional, holding this certification from the Certified Financial Planner Board of Standards, Inc., along with designations as a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Andrew’s expertise encompasses a range of client focus areas, including college education planning, family wealth management strategies, retirement income, special needs planning, liquidity management, and both individual and corporate investment strategies. His approach is consultative and objective, emphasizing a collaborative wealth planning process aimed at helping clients develop realistic, personalized financial strategies to meet their short- and long-term goals. He is committed to providing attentive, tailored service and sound financial guidance that evolves as client priorities change over time. Andrew holds a Master's Degree from Union College and a Bachelor's Degree from Siena College. Outside of his professional role, he is engaged in the community as a coach for the Capital Region Reign 16U Elite team. His personal interests include biking, golfing, hiking, skiing, and spending time with his family.

Nicholas Demartino is a financial advisor with Morgan Stanley in Saratoga Springs, NY, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has worked at Morgan Stanley since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes utilizing firm-approved tools and market simulations.

Ryan Wade is a CFA® charterholder and holds a Series 66 license, with 21 years of industry experience. He has worked at LPL Financial since 2025 and previously spent 18 years with Northwestern Mutual Wealth Management Company and Northwestern Mutual Investment Management. He also operates Steven Tennant, a business he has been involved with since 2005. 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 provides a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research from LPL and third-party subadvisors.

Deborah Corbari is a financial advisor at Merrill with seven years of industry experience. She holds a Series 66 designation and has worked previously at Bank of America, Hafner Valuation Group, and the Town of New Scotland. Outside of her advisory role, she is associated with Corbari Consulting, LLC, an engineering business owned by her husband. 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.

Mc Kenna Ryan is a financial advisor at Mass Mutual Investors Services with a Series 66 designation and one year of industry experience. Prior to joining Mass Mutual in 2025, Ryan worked at Goldman Sachs and held various roles in hospitality and retail. Outside of financial advising, Ryan works as a bartender and server at The Bunker and as a banquet server at the New York State Executive Mansion. Mass Mutual Investors Services 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 offers collaborative, ongoing planning engagements using firm-approved tools and emphasizes investment categories and strategies rather than specific product selections.

Joseph Lindner is a CFP®-designated financial advisor with LPL Financial in Clifton Park, NY, bringing 22 years of industry experience. He has worked at LPL Financial since 2016 and also maintains a role at Pioneer Bank. Outside of his advisory work, he is a part owner of a not-for-profit hunting club. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients including individuals, retirement plans, and institutions. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services through a nationwide network of investment adviser representatives.

Jamie Zamani is a Series 66-credentialed financial advisor at Merrill with 20 years of industry experience. He has been with Merrill since 2006. Outside of his advisory role, he owns a retail sales business called Scentsy. 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 investment strategies for individuals, high-net-worth clients, and institutional investors.

Katherine Spratt is a financial advisor with LPL Financial in Latham, NY, holding Series 63 and Series 66 credentials and 11 years of industry experience. Her prior roles include positions at Janney Montgomery Scott LLC and Merrill. 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 provides a range of advisory programs and financial planning services, offering both discretionary and non-discretionary management with access to model portfolios and research from various sources.

Douglas Moynihan is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over three decades of experience in the financial services industry. His professional focus includes services for endowments, foundations, and non-profits, legacy planning, personal retirement planning, portfolio management, women and wealth, and retirement income. Douglas works closely with successful professionals and business owners to help them achieve a work-optional lifestyle, secure their family legacy, and approach the future with confidence. Douglas holds a Bachelor of Science degree in Finance and Economics from Western New England University. He maintains several professional designations and licenses, including the Series 7 and 63 Licenses, Life and Health Insurance, CERTIFIED FINANCIAL PLANNER® (CFP), and Personal Investment Advisor (PIA). Raised and based in Upstate New York, he integrates his community knowledge into his advisory practice to provide tailored financial guidance. Outside of his professional role, Douglas resides in Charlton, New York with his wife and three children. His personal interests include biking, billiards, boating, cooking, fishing, golfing, and ice hockey. He is active in the community through volunteering with Schenectady Youth Hockey and coaching a youth trap shooting team. Douglas is also a member of the Glenville Fish and Game Club.

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.

Armando Spring is a Financial Advisor affiliated with Merrill Lynch Wealth Management. In his role, he focuses on understanding clients' priorities to develop strategies aimed at achieving short-, mid-, and long-term financial goals. He offers guidance on a range of financial matters, including investing, retirement planning, and preparing for unforeseen expenses. Additionally, Armando connects clients with Bank of America specialists for services related to banking, credit, home financing, and small business solutions. He provides ongoing advice as clients' needs evolve. Armando holds the Personal Investment Advisor (PIA) designation. His educational background includes a High School Diploma from Schenectady High School, an Associate's Degree from SUNY Schenectady, and a Bachelor's Degree from SUNY Albany.

Kenneth Woods is a financial advisor at Fidelity with 26 years of industry experience. He holds Series 63 and Series 66 designations and has worked within various Fidelity entities since 2007. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage investments.