Lorraine Laczko is a financial advisor with Morgan Stanley in Saratoga Springs, NY. She holds Series 63, 65, and 66 licenses and has 38 years of industry experience. Laczko has been with Morgan Stanley and its affiliates since 2009, including roles at Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management serves individual and institutional clients by providing a broad range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment committee models to support its advisory services.

Kiere Neulander is a CFP®-certified financial advisor with 16 years of industry experience, currently affiliated with LPL Financial since 2016. Prior to joining LPL, Neulander worked at Pioneer Savings Bank beginning in 2015. Outside his advisory role, he is involved with Advisor Insurance Brokers in Park, NY, focusing on non-variable insurance. LPL Financial serves a broad client base including individuals, retirement plans, financial institutions, and charitable organizations, offering a range of advisory programs, financial planning, and brokerage services through a national network of investment adviser representatives.

Taylor Hart is a Series 66 licensed financial advisor at Merrill with six years of industry experience. His background includes roles at Goldman Sachs & Co. LLC and The Ayco Company, L.P./Mercer Allied prior to joining Merrill. Merrill, along 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 individual and institutional clients.

Kimberly Lawrence is a financial advisor with Raymond James & Associates in Saratoga Springs, NY, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She previously worked at Morgan Stanley for two years before joining Raymond James in 2013. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, pension plans, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional advisory services.

Ryan Obst is a financial advisor at LPL Financial with 18 years of industry experience. He has been with LPL Financial since 2008 and holds the Series 63 designation. 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 advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Robert Bronk Jr. is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 34 years of industry experience. He has been with LPL Financial and its predecessor firm since 2002. In addition to his advisory role, he is involved in non-variable insurance sales and marketing through NBT Insurance Agency and acts as an independent insurance agent. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers comprehensive financial planning and advisory programs, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

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.

Morgan Brooks is a Senior Financial Advisor with Merrill Lynch Wealth Management and a member of the Brooks Group. Since joining the team in 2013, he and his team have provided financial guidance to families and business owners, focusing on areas such as education planning, family wealth management strategies, managing new wealth, personal retirement planning, portfolio management, socially responsible and ESG investing, and retirement income. Morgan is a Navy veteran, having graduated at the top of his class from the Advanced Electronic Computer Field Training Program and serving aboard guided missile destroyers based in Pearl Harbor, Hawaii, and Norfolk, Virginia. He completed his high school education at Shenendehowa High School in Clifton Park, New York, followed by a post-graduate program at Bridgeton Academy in Maine. He also attended Union College. Morgan holds the Personal Investment Advisor (PIA) professional designation and completed the Merrill Lynch Practice Management Development training program. Active in his community, Morgan serves on the Saratoga County Veterans Business Council and is an alumnus of the 2013 Saratoga County Executive Institute. He resides in Clifton Park, New York, with his wife and two children. Outside of work, Morgan’s interests include boating, fishing, gardening, painting, reading, softball, spending time with his family, watching movies, and woodworking.

Danielle Cefalu is a financial advisor at Stifel with 13 years of industry experience and holds a Series 66 designation. She previously worked at Janney Montgomery Scott from 2015 to 2021 and has been with Stifel since 2021. Stifel serves a wide range of clients including individuals, institutional investors, and charitable organizations, providing both brokerage and investment advisory services. The firm’s investment approach is based on proprietary methodologies developed by its Investment Strategy Group, offering asset allocation and planning analyses intended as tools for client decision-making.

Zachary Rupert is a Financial Advisor with Merrill Lynch Wealth Management, specializing in providing personalized financial strategies to clients. He focuses on understanding clients' unique ambitions and helps them pursue their short-, mid-, and long-term goals by connecting them to appropriate planning resources and professional specialists. He earned a Bachelor's Degree in Finance from Siena College, where he also played collegiate ice hockey. Zachary holds the Personal Investment Advisor (PIA) designation, reflecting his commitment to professional development in the financial advisory field. Outside of his professional role, Zachary enjoys spending time outdoors engaging in boating, fishing, football, golfing, ice hockey, soccer, and family activities. He resides locally in Clifton Park, maintaining close ties to his community.

Philip Barnes II is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and eight years of industry experience. His career includes roles at Morgan Stanley Private Bank, N.A., Morgan Stanley, and Trustco Bank. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and financial planning services tailored to clients who meet certain net-worth criteria. The firm offers a broad range of planning services and integrates advisory recommendations with various financial product offerings.

William Braat is a financial advisor at Merrill with three years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2017 and Bank of America, N.A. since 2023. Prior to his financial services career, he was employed at Enterprise Holdings from 2014 to 2017. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Brown is a CFP® certificant with 33 years of industry experience. He is currently with Cetera and Madison Wealth Managers, where he is the owner. He has also worked at American Portfolios and OSAIC during his career. Brown is also an insurance agent involved in the sale of fixed insurance products. Cetera is an SEC-registered adviser that serves individual, corporate, charitable, retirement plan, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and consulting services delivered via multi-manager platforms and various program structures.

Richard Martino is a financial advisor with LPL Financial in Latham, NY. He holds Series 66 and Series 63 licenses and has five years of industry experience. Prior to joining LPL Financial, Martino worked at J.P. Morgan Securities LLC and Bank of America. He is also involved with 17 Berkley, LLC, an outside business activity. 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 advisory programs, financial planning, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Noel Kaminski is a financial advisor with MassMutual Investors Services and holds Series 63 and Series 65 licenses. He has 13 years of industry experience, including roles at Northwestern Mutual and National Life Group. Kaminski serves as a board member of Stakeholders and as an ambassador for the Capital Region Chamber of Commerce. MassMutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements supported by firm-approved software tools and educational seminars.

Joseph Dimaggio is a financial advisor at LPL Financial with 15 years of industry experience. He holds the Series 66 designation and previously worked at Cadaret Grant & Co., Inc. for 10 years before joining LPL Financial in 2023. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including model portfolios and retirement plan consulting, supported by research and technology-driven investment strategies.

Malika Goel is a financial advisor with Equitable Advisors, holding the Series 66 designation and beginning her advisory career in 2026. Prior to joining Equitable Advisors, she has held various roles in the service and hospitality industries. Outside of her advisory work, she continues to be involved in the restaurant sector. Equitable Advisors serves a broad client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing both firm-offered and third-party advisory solutions.

Kyle Sumple is a financial advisor at Mass Mutual Investors Services with 14 years of industry experience. He holds the Series 63 designation and has been with Mass Mutual Investors Services and Mass Mutual Life Insurance Company since 2011. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved tools to provide goal-based recommendations.

John Gac is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing eight years of industry experience. His professional background includes roles at Primerica Financial Services, Pfs Investment, Inc., BAE Systems, and Uber. Outside of advisory work, he has worked as an Uber driver and is involved in sales of loan products and home security referrals through affiliated companies. Primerica Advisors is a large-scale firm serving individual, corporate, and charitable clients through a wrap-fee asset management program that primarily uses model-delivery strategies managed by third parties. The firm focuses on retail clients and offers multiple investment models with varying approaches, supported by custodial and trade execution services from Pershing and BNY Mellon Advisors.

Jonathan Tellstone is the Senior Resident Director and Wealth Management Advisor at Merrill Lynch, where he leads the Latham office and heads a team of six professionals dedicated to helping clients build and maintain wealth. He focuses on putting clear financial plans in place with regular communication and reviews to foster successful long-term relationships. As the founder of The Tellstone Sullivan Michaels Wealth Management Group, he has built a credentialed advisory team aimed at simplifying clients' financial lives and preparing them for the future. With over 30 years at Merrill Lynch, Jonathan serves affluent clients primarily in the Albany area and nationwide, including physicians, business owners, executives, retired couples, widows, and multiple generations. His expertise encompasses legacy planning, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, tax minimization, and retirement income strategies. He emphasizes a prudent approach to wealth management that accounts for a client's timeline and encourages ongoing communication to avoid emotional decisions. Jonathan holds a bachelor's degree in Economics from Siena College and has earned the Accredited Asset Management Specialist (AAMS) and Personal Investment Advisor (PIA) designations. Outside of his financial career, he is a former baseball player and currently coaches the Skidmore College baseball team as well as girls basketball for the City Rocks AAU program. He enjoys baseball, basketball, football, golfing, music, singing, spending time with his family, and traveling. Jonathan resides in Saratoga Springs with his wife Michele, their daughter, and two golden doodles.