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 based in Latham, NY. He holds Series 63 and Series 66 licenses and has seven years of industry experience. His prior work includes roles at Cadaret, Grant & Co., Inc., Northwestern Mutual, and R.J. McNamara Financial. 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 financial planning and advisory programs with discretionary and non-discretionary management, supported by research from LPL Research and third-party subadvisors.

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 been involved with Bell Financial LLC and Cadaret, Grant & Co., Inc. for over 20 years. Outside of his advisory role, he manages tax preparation and accounting services through Bell Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing discretionary and non-discretionary management supported by research and technology tools.

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. His prior work includes roles at Nationwide Investment Services Corporation, JPMorgan Chase Bank, and the New York State Deferred Compensation Board. Outside of advising, he owns Meet the Mark Cleaning LLC. 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, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and various technologies across discretionary and non-discretionary management.

Barry Rings Jr. is a CFP® professional with 11 years of industry experience, currently affiliated with LPL Financial. His prior experience includes roles at Cadaret Grant & Co., Atlas Private Wealth Management, and Northwestern Mutual Wealth Management Company. Outside of his advisory work, he serves as Youth Director for the Town of Nassau. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services through a national network of investment adviser representatives.

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 possessing 11 years of industry experience. She has been with LPL Financial since 2015. Outside of her advisory role, she works as a Branch Financial Professional at Pioneer Bank and serves as a Notary Public. 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 various advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management strategies supported by research and model portfolios.

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, holding Series 63 and Series 66 credentials and 19 years of industry experience. She previously worked at Key Investment Services LLC for six years before joining LPL Financial. Outside of advisory work, she distributes dietary supplement products through a multi-level marketing company. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and retirement consulting services, employing discretionary and non-discretionary management along with diversified model portfolios and research resources.

Thomas Brown is a CFP® with 39 years of industry experience, currently affiliated with LPL Financial and Pioneer Bank since 2025. He has previously worked at Brown Financial Management Group and Cambridge Investment Research, Inc. Outside of his advisory career, Brown manages a farm business, Brown Farms LLC. 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, retirement plan consulting, brokerage services, and utilizes both discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

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.

Rodney White is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds Series 65, Series 66, and Series 63 licenses. His prior experience includes roles at Charles Schwab Investment Advisory, Inc. and ThomasPartners, Inc. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning services supported by structured discovery and advanced planning tools.

Mark Esslie is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 25 years of industry experience. He has worked at Cetera since 2019 and previously at Foresters Advisory Services LLC and Foresters Financial Services. Esslie is a board member for Averil Park Community Team, Inc., contributing organizational input. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services with multiple program options, utilizing both affiliated and third-party managers.

Nicholas Hanna is a financial advisor with LPL Financial and holds a Series 66 designation. He has one year of industry experience and a varied background including roles at Broadview Federal Credit Union and Galway Central School District. He is also a licensed relationship banker and notary at Broadview Federal Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Brian Tramontano is a financial advisor with LPL Financial in Albany, NY, holding the Series 63 designation and 15 years of industry experience. He previously worked at Cap Com Financial for nine years before returning to LPL Financial in 2021. 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. The firm offers financial planning, multiple advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options supported by proprietary and third-party research.