Walter Mcnall is a financial advisor with Primerica Advisors in Clifton Park, NY, holding a Series 63 designation and 12 years of industry experience. He has been with Primerica Advisors since 2014 and is also associated with St. Joseph's Provincial House since 2013. Outside of his advisory role, he works as a self-employed driver for Uber Technologies Inc. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and a limited selection of separately managed accounts for individual and high-net-worth clients. The firm uses third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, operating primarily on a tiered wrap-fee structure.

Thomas Babcock is a financial advisor with LPL Financial, holding a Series 63 designation and over 45 years of industry experience. He has been with LPL Financial since 1995 and has operated Thomas Babcock Investment Advisors, LLC since 2006. Outside of his advisory work, he is involved in non-variable insurance activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios and research from both internal and third-party sources.

Valerie Mosher is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at firms including Fisher Investments, AAA Life, and Allstate Financial. J.P. Morgan Securities 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.

Robert Wright is a financial advisor with UBS Financial Services in Albany, NY, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. He has been with UBS Financial Services since 2012. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor client solutions.

Jonathan Sheehan is a financial advisor with Morgan Stanley in Latham, NY, holding Series 63 and Series 65 credentials and bringing 17 years of industry experience. He has been with Morgan Stanley and its Private Bank since 2014. Morgan Stanley Wealth Management serves both individual and institutional clients, providing tailored financial planning and advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations to help model potential financial outcomes.

Christopher Liberty is a financial advisor with Wells Fargo Clearing in Troy, NY, holding a Series 63 designation and 32 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Outside of his advisory role, Liberty is an author of personal entertainment books and serves as an adjunct instructor teaching investment management, microeconomics, and financial risk management courses at Empire State University. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Frank Alvarez is a Financial Advisor with Merrill Lynch Wealth Management based in Albany, NY. He serves technology and engineering professionals, executives, and retirees across the Capital Region. His work focuses on equity compensation, employer benefits, and retirement income planning. Alvarez applies a methodical approach to financial planning, emphasizing defined inputs, tested assumptions, and well-structured plans. He engages closely with clients to understand their priorities and develop strategies tailored to their goals, covering areas such as general investing, retirement planning, and preparing for unforeseen circumstances. He holds a Bachelor's Degree from Siena College and has earned the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations.

Mark Keeling is a financial advisor with Ameriprise in Albany, NY, holding CFP® and Series 66 designations and bringing 25 years of industry experience. His prior roles include positions at Riversource Distributors, Inc. and Ameriprise Financial Services, Inc. Outside of financial advising, he is involved in several business ventures including co-ownership of a chiropractic office and a tax preparation firm, as well as operating a skydiving instruction LLC. He also serves as Treasurer on the Board of Directors for the Golden Knight Alumni Association. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service. The firm provides written recommendations and ongoing tax-aware withdrawal strategies, utilizing proprietary research and third-party data within a framework that integrates Ameriprise-managed assets and affiliated investment products.

Justin Filippone is a financial advisor with Cetera, holding the Series 63 and Series 65 credentials and bringing 12 years of industry experience. He has worked at Cetera and its affiliated entities since 2015 and is a partner of Iron Tree Financial, a business associated with Cetera. Cetera Investment Advisers LLC is a nationwide SEC-registered advisor serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supported by a broad network of over 10,000 advisors and more than $256 billion in assets under management.

Roy Casper is a financial advisor with LPL Financial in Clifton Park, NY, holding the ChFC® and Series 63 designations and having 42 years of industry experience. He has previously worked at Cadaret, Grant & Co., Inc., Princor, Unum Provident Mutual, Guardian Life Insurance, and Specific Solutions. Outside of his advisory work, he maintains business activities related to non-variable insurance with Unum Provident Mutual, Guardian Life Insurance, and Specific Solutions, Inc. 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 offers a range of financial planning and advisory programs, supporting both discretionary and non-discretionary management, and provides model portfolios, research, and various institutional and participant advice services.

Derek Nolan is a Wealth Management Advisor at Merrill Lynch Wealth Management. He holds the professional designations of Certified Investment Management Analyst (CIMA) and Personal Investment Advisor (PIA). Derek earned a Bachelor's Degree from Georgetown University. His professional focus is on providing wealth management services to clients.

Matthew Sperazzo is a financial advisor with Ameriprise in Saratoga Springs, NY, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. His prior roles include positions at John Hancock Advisers, LLC, John Hancock Funds LLC, and other John Hancock affiliates from 2007 to 2021. Ameriprise offers a retirement-income planning service aimed at individuals nearing or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in a centralized consulting approach, supported by algorithmic automation and oversight committees.

Christopher Dacey is a financial advisor with LPL Financial in Albany, NY, holding Series 63, 65, and 66 licenses and bringing 23 years of industry experience. He previously worked at Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. from 2015 to 2020. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, retirement plan consulting, and brokerage services. The firm offers both discretionary and non-discretionary management and utilizes model portfolios, research, and various technology-driven strategies.

Whitney Walker is a financial advisor with LPL Financial holding a Series 66 designation and three years of industry experience. Prior to joining LPL Financial in 2025, Whitney worked at Goldman Sachs & Co LLC for three years and KeyBank for three years. Whitney is also involved with Tennant Financial, an entity related to their LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including retirement plan consulting and brokerage services, supported by research and model portfolios.

Stephanie Belles is a financial advisor with Morgan Stanley in Latham, NY, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. She has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009, with prior experience at Citigroup Global Markets dating back to 2005. Outside of her advisory role, she is involved as a partner in two real estate investment entities in New York. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs including tailored financial planning, managing approximately $2.74 trillion in client assets. The firm’s approach involves structured discovery conversations and planning tools supported by its Global Investment Committee’s analyses, offering services that encompass both direct client plans and Corporate Financial Planning agreements.

Michael Dierolf is a Financial Advisor with Merrill Lynch Wealth Management specializing in assisting individuals, families, and business owners with financial planning and wealth management strategies. He focuses on areas including college education planning, family wealth management, legacy planning, managing new wealth, personal retirement planning, portfolio management, tax minimization, and retirement income. He holds a Bachelor's Degree from Le Moyne College and has earned professional designations including Accredited Asset Management Specialist (AAMS), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Michael applies a disciplined, long-term perspective influenced by his experience as a former collegiate swimmer in his approach to financial planning and investing. Outside of his professional responsibilities, Michael enjoys adventure sports such as camping, hiking, pickleball, rock climbing, skiing, swimming, and volleyball. He values building trusted relationships with clients through a thoughtful and personalized approach, aiming to provide clarity and support to help clients navigate complex financial decisions with confidence.

Stephen Stewart is a financial advisor at Merrill with a Series 66 credential and three years of industry experience. He has worked at Merrill since 2022 and previously held positions at Bank of America and several other organizations. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm’s integration within Bank of America enables access to a broad set of products and services beyond typical managed accounts.

Jason Levine is a financial advisor at UBS Financial Services with five years of industry experience. He holds the CFA® designation along with Series 66 and Series 63 licenses. Prior to joining UBS in 2022, he worked at Bank of America for 14 years. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor strategies to client goals.

Bryanna Lydell is a Financial Consultant with experience across multiple roles at Fidelity Investments and Northwestern Mutual. She has worked as a Planning Consultant, Relationship Manager, Financial Representative, and Financial Services Representative, gaining a broad understanding of financial planning and client relationship management. Her professional experience spans from 2022 to 2026, with a focus on delivering financial services and consulting. Throughout her career, Bryanna has emphasized building strong, lasting relationships with clients by understanding their individual goals and crafting tailored financial plans. She is committed to providing clear guidance and support to help clients feel confident and empowered in their financial decisions. Her approach to client service is rooted in trust, transparency, and personalized strategies. Details about her education, credentials, personal interests, or community involvement have not been provided.

Harold Connolly is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has been employed since May 1989. His areas of expertise include family wealth management strategies, personal retirement planning, and portfolio management services. Mr. Connolly holds a bachelor's degree in economics from The State University of New York at Albany. He has earned several professional designations, including Certified Investment Management Analyst® (CIMA®) awarded by the Investments & Wealth Institute™, Chartered Retirement Planning Counselor® (CRPC®), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). In addition to his professional work, he follows Merrill Lynch’s tradition of community involvement, dedicating time to volunteer with organizations within the communities he serves.