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 in Latham, NY, holding Series 63 and Series 66 credentials and bringing 19 years of industry experience. Her prior experience includes roles at Key Investment Services LLC and earlier tenure at LPL Financial. Murphy is involved in multi-level marketing as a dietary supplement distributor. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers various advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Annmarie Franke Suarato is a Senior Financial Advisor with Merrill Lynch Wealth Management. She leads the Franke Stento Mohan Irwin Group, providing goals-based wealth management services to affluent families, accomplished professionals, and successful business owners nationwide. Annmarie and her team focus on cultivating long-lasting relationships by delivering customized advice, exceptional service, and a disciplined approach to investing. Before transitioning to wealth management, Annmarie spent over eight years working on sales teams at two major asset managers in downtown Boston. She holds a Bachelor of Science degree in Finance from Siena College in Loudonville, New York, where she also played on the rugby team and continues to stay involved with the organization. Her professional expertise encompasses areas such as college education planning, divorce transition planning, employee benefits planning, executive compensation, family wealth management strategies, liquidity management, personal retirement planning, portfolio management services, small business strategies, and retirement income. Annmarie resides in Niskayuna, New York, with her wife, daughter, and their yellow Labrador. Outside of her professional activities, she participates in Habitat for Humanity and enjoys boating, fishing, golfing, skiing, traveling, rugby, and fitness. She holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations.

Thomas Brown is a CFP®-designated financial advisor with 39 years of industry experience. He is currently with LPL Financial and Pioneer Bank and previously led Brown Financial Management Group for 18 years. Outside of advising, he manages Brown Farms LLC, a family farm operation. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services through a large network of representatives, utilizing model portfolios, third-party subadvisors, and customized strategies.

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 63, Series 65, and Series 66 licenses and has previously worked at Charles Schwab Investment Advisory, Inc. and ThomasPartners, Inc. before joining Morgan Stanley in 2022. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning with a structured discovery process and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers a variety of investment and planning services through its extensive platform.

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 based in Watervliet, NY, holding a Series 66 credential and one year of industry experience. Prior to joining LPL Financial, he has experience at Broadview Federal Credit Union, where he serves as a licensed relationship banker and notary. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, including financial planning and access to third-party asset management, and supports advisors with research and technology tools.

Brian Tramontano is a financial advisor at LPL Financial in Albany, NY, holding a Series 63 designation with 15 years of industry experience. He has worked at LPL Financial since 2012, including a recent period starting in 2021, and previously spent nine years at Cap Com Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supporting advisory strategies with advanced research tools.

Tristin Hotaling is a financial advisor with Ameriprise in Ballston Lake, NY, holding a Series 66 credential and 23 years of industry experience. She has been with Ameriprise and its affiliated entities since 2014. Outside of her advisory role, she teaches outdoor and studio yoga classes seasonally. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations.

Dylan Sprague is a Planning Consultant at Fidelity Investments, a position he has held since 2025. In this role, he focuses on assisting individuals, families, and businesses in making informed decisions to support their long-term financial goals. Prior to joining Fidelity Investments, Dylan worked as a Financial Coach at Goldman Sachs Ayco from 2020 to 2025. Throughout his career, Dylan has specialized in financial planning and coaching, helping clients navigate complex financial situations with clarity and confidence. His approach emphasizes simplifying financial concepts to enable better decision-making. Outside of his professional responsibilities, Dylan enjoys engaging in activities such as baseball, boating, football, golf, spending time with family, and caring for pets.

Adam Neary is a financial advisor with LPL Financial in Albany, NY, holding a Series 66 designation and 22 years of industry experience. He has been affiliated with multiple firms including WealthOne, LLC and The Neary Group, LLC, where he has held advisory roles since 2011 and 2012 respectively. Beyond his advisory duties, Neary is involved with WP Strategic Holding, LLC, a non-investment related business entity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, and institutional platforms, with a focus on customizable investment strategies supported by technology and extensive non-advisory financial products.

Ryan Chenot is a financial advisor with LPL Financial in Albany, NY, holding Series 63 and Series 66 credentials and 11 years of industry experience. He has been with LPL Financial since 2019 and concurrently maintains a role at Capital Communications Federal Credit Union since 2009. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Eli Goodman is a Financial Consultant currently working at Fidelity Investments since 2021. Prior to this role, he served as a Financial Advisor at Merrill Lynch from 2019 to 2021 and as a Financial Planner at The AYCO Company from 2008 to 2019. Throughout his career, Eli has focused on developing customized financial plans tailored to the unique needs of his clients and their families. He emphasizes forming strong relationships with clients to maintain trust and open communication, aiming to understand and support their most important financial goals. Outside of his professional work, Eli has personal interests in baseball and fitness.

Zachery Freire is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he joined in July 2018. As a partner on The H Group, he focuses on working with business owners, executives, and first generation wealth creators primarily in the Capital Region and Greater New York City area. He applies his expertise to areas such as corporate benefits, executive compensation, equity compensation services, family wealth management strategies, liquidity management, philanthropic planning, portfolio management services, tax minimization, and retirement income. Zachery holds a bachelor's degree from St. Lawrence University and has earned several professional designations including Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is also affiliated with the United States Army 86th IBCT - 19D and is a US Army Veteran. Community involvement is important to Zachery, exemplified by his volunteering and fundraising efforts for organizations such as the Veteran Connect Center. In his personal time, he enjoys activities including cooking, hunting, reading, rock climbing, running, and swimming.

Shelley Bullock is a financial advisor with LPL Financial, holding a Series 63 designation and 14 years of industry experience. She previously worked at Equity Services, Inc. and NPA Financial, LLC before joining LPL Financial in 2018. Bullock is also involved in insurance-related activities, including roles with Advisors Insurance Brokers and Zapp Insurance, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies.

Thomas Dwyer Jr. is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 designations and bringing 27 years of industry experience. He has worked with Morgan Stanley since 2009 and has been affiliated with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients through a variety of advisory programs. The firm’s financial planning process uses structured discovery conversations and approved planning tools to create tailored plans, managing approximately $2.74 trillion in client assets.

Kimberly Bullis Rauh is a Series 66-licensed financial advisor with RBC Capital Markets, based in Albany, NY, and has 25 years of industry experience. She has been with RBC Capital Markets since 2010. Outside of her advisory role, she holds elected positions in local school PTAs, supporting fundraising and event coordination. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with a range of advisory programs that include discretionary and non-discretionary portfolio management, financial planning, and brokerage services. The firm customizes investment strategies based on client risk profiles and leverages in-house and third-party managers, providing access to alternative investments and integrated capital markets capabilities.

Michelle Lyman is a financial advisor with LPL Financial in Latham, NY, holding a Series 63 designation and 21 years of industry experience. Her prior roles include positions at Cadaret, Grant & Co., Pioneer Bank, and Anchor Agency. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.