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.

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 Series 66-licensed financial advisor at Merrill with three years of industry experience. He has worked at Merrill since 2022 and previously held roles at Bank of America from 2019 to 2022. 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.

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.

Terri Beaudoin is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and five years of industry experience. Her prior roles include positions at RBC Capital Markets, LLC and Purshe Kaplan Sterling Investments. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm provides tailored, non-discretionary planning and consulting supported by analytical tools and sponsors various advisory programs, with capabilities in municipal and public-finance work that are relatively uncommon among large institutional advisors.

Anthony Casale is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2011. In this role, he assists clients in making informed investment decisions, emphasizing the importance of building consistent relationships and developing strategic financial plans. He also focuses on the ongoing review, maintenance, and adjustment of these plans over time. Prior to joining Fidelity Investments, Anthony worked as a Financial Planner at The Ayco Company from 2009 to 2011 and at First Investors Corporation from 2007 to 2009. He holds a California Insurance License. Outside of his professional work, Anthony enjoys family activities and playing golf.

Anthony Accetta Jr. is a financial advisor at Cetera with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cetera since 2019, previously spending 13 years at Foresters Financial. Outside of his advising role, he serves as vice-chairman for the City of Mechanicville Charter Review Committee, is a board member of the Mechanicville Housing Authority, and acts as secretary for an Italian fraternal society. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a multi-manager platform with a range of portfolio management, financial planning, and consulting services, administering over $256 billion in assets across more than 10,000 advisors.

Joanne Rifenburg is a financial advisor at Morgan Stanley with six years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley since 2019. Prior to her current role, she spent eight years with the Rotterdam-Mohonasen School District. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

Michael O'Toole III is a Wealth Management Advisor at Merrill Lynch Wealth Management, specializing in retirement planning and serving corporate executives, affluent individuals, and families across 20 states. He leads a designated Retirement Planning advisory team and offers portfolio management services tailored to clients' financial objectives. Michael began his career at Merrill Lynch in 1993 after completing his military service and has held leadership roles including Resident Manager of the Pittsfield, Massachusetts office. He holds a Bachelor's degree from the United States Military Academy at West Point and has earned several professional designations including Certified 401(k) Professional (C(k)P^®^), Certified Investment Management Analyst (CIMA^®^), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Michael has also completed investment courses at the University of Chicago Booth School of Business and Stanford University's Graduate School of Business. Michael is active in his community, serving on various boards in the Capital Region and currently sitting on the U.S. Military Academies selection committee for his local U.S. Congressman. He has also been involved with the Save the Children committee. Michael resides in Clifton Park with his wife Anja and their two sons.

James Bassotti is a financial advisor at Mass Mutual Investors Services with 38 years of industry experience. He previously worked at MetLife Securities Inc. for 31 years before joining Mass Mutual and holds a Series 63 designation. Outside of his advisory role, he is a general partner for a rental property business and works as an independent insurance agent for property and casualty coverage. 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 provides ongoing financial planning, asset management, and educational seminars using firm-approved software to analyze client goals and deliver written recommendations.

Anthony Capobianco is a financial advisor with Cetera who holds the Series 63 designation and has 44 years of industry experience. His career includes roles at Cetera Wealth Services, LLC and Tower Square Securities, Inc. He is the principal and owner of Capobianco & Associates, LLC, and has engaged in insurance sales since 1980. Outside of finance, he serves as treasurer for a homeowners association and is a part owner of several racehorses. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individual investors, retirement plans, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a large network of independent advisors and utilizes a multi-manager platform with diverse program options.

Erica Hubert is a CFP® professional with seven years of industry experience. She has worked at several firms, including Merrill Lynch, Bank of America, and Fidelity, before joining Mass Mutual Investors Services in 2025. Her current role is based in Latham, NY. 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 emphasizes annual, collaborative planning relationships and offers a range of event-driven planning programs.

Douglas Parks is a Senior Financial Advisor at Merrill Lynch Wealth Management. He leverages the investment insights of Merrill Lynch and the banking services of Bank of America to assist clients in developing comprehensive financial strategies. Douglas works closely with each client's network of professionals, including attorneys and accountants, to provide financial advice aligned with their overall situations and objectives. His areas of expertise include goals-based wealth planning, pre-retirement financial analysis, transition and severance planning, retirement income planning, estate planning strategies, and insurance and long-term care strategies. Douglas focuses on helping clients pursue their financial goals related to employee benefits planning, executive compensation, family wealth management, liquidity management, small business strategies, tax minimization, and retirement income. Douglas holds a Bachelor's Degree from Florida State University and the Personal Investment Advisor (PIA) designation. He is fluent in Korean and English. Committed to community involvement, he participates in organizations such as 15 Love, Junior Achievement - Financial Literacy, and USTA Junior Team Tennis. In his personal time, Douglas enjoys adventure sports, basketball, biking, boating, football, golfing, hiking, spending time with his family, tennis, and watching movies.

Paul Milano is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over 31 years of experience in the financial advisory field. He has been with Merrill Lynch since January 2006 and previously served as a Financial Advisor with AXA Equitable from 1995 to 2006. Prior to his advisory career, Paul worked in customer service at AT&T from August 1988 to 1995. Paul provides guidance in various areas including family wealth management strategies, services for endowments, foundations, and non-profits, investment consulting for defined contribution plans, employee financial health, liquidity management, managing new wealth, personal retirement planning, special needs planning strategies, and retirement income. His approach emphasizes listening and building strong client relationships to develop personalized financial strategies aimed at achieving clients' long-term goals. He holds a Bachelor of Science degree in Finance and Economics from SUNY Brockport, completed in 1988, and has undertaken graduate business coursework at Union College. Paul also holds professional designations as an Accredited Asset Management Specialist (AAMS) and Personal Investment Advisor (PIA). He resides in Loudonville, NY, with his wife and three sons, and enjoys spending time with his family and volunteering in his community.

Rachel Quinn is a financial advisor at UBS Financial Services in Albany, NY, with three years of industry experience and a Series 66 designation. Prior to joining UBS in 2022, she held roles at Vision Government Solutions, NewStore Inc., and Commonwealth Financial Network. Outside of her advisory work, she maintains a personal baking and food blog called More Butter. 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 employs model-based asset allocations and proprietary research to tailor financial plans based on clients’ goals and risk tolerances.

Timothy Irwin serves as a Senior Financial Advisor, leading the Franke Stento Mohan Irwin Group at Merrill Lynch Wealth Management. He and his team provide goals-based wealth management services to affluent families, accomplished professionals, and successful business owners nationwide, focusing on cultivating long-lasting relationships through exceptional service, customized advice, and disciplined investment approaches. Before transitioning to wealth management, Timothy spent over eight years on the sales teams of two major asset managers in downtown Boston. He holds a Bachelor of Science degree in Finance from Siena College in Loudonville, NY, where he also participated in the rugby team and remains active in the Siena College Rugby Football Club. His professional designations include Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Originally from the Hudson Valley, Timothy currently resides in Niskayuna, NY with his wife Kelsey, daughter Charlie, and their yellow lab Doug. His personal interests include golf, skiing, boating, fishing, traveling, rugby, and fitness. He is involved in the community through Habitat for Humanity.

John Cornell Jr. is a financial advisor at Merrill with 26 years of industry experience. He holds the Series 63 and Series 65 licenses and has worked at Merrill since 2009 and Bank of America, N.A. since 2011. Outside of his advisory role, he is involved in equestrian activities through ownership and management of several horse-related LLCs. 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, pension plans, corporations, and charitable organizations.