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.

Joel Di Persio is a Financial Advisor at Merrill Lynch Wealth Management, specializing in providing tailored financial strategies that align with clients' lifestyles, philosophies, and goals. Since beginning his career in financial services in 2016 and becoming investment registered in 2019, Joel focuses on areas such as college and education planning, legacy planning, managing new wealth, retirement planning, portfolio management, tax minimization, and retirement income. He holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Joel earned a High School Diploma from Shenendehowa High School and an Associate of Applied Science in Business Administration from SUNY Canton. He is a member of the Financial Planning Association (FPA) and the National Eagle Scout Association (NESA). Beyond his professional work, Joel is involved in community activities including volunteering with the Boy Scouts of America, serving on a charity motor club board, and supporting the Leukemia & Lymphoma Society. His personal interests include cooking, reading, and writing.

William Canale is a CFP® professional with 38 years of experience in financial advisory. He is currently with Ameriprise Financial Services LLC and previously worked at Quartz Partners Investment Management and Etico Wealth Management. Ameriprise provides retirement-income planning services focused on individuals approaching or in retirement with substantial investable assets, delivering tailored, research-driven recommendations through a centralized consulting team that combines modeling and tax-efficiency analysis.

Gerard Ryan is a financial advisor with Osaic who holds Series 63 and Series 65 licenses and has 41 years of industry experience. His career includes 30 years at Signator Investors, Inc. prior to joining Osaic in 2018. He is also involved with Keystone Financial Management LLC, where he engages in sales and marketing of fixed annuities, securities, and insurance products. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with a range of investment options and uses firm-provided tools to construct portfolios, supporting both discretionary and non-discretionary management.

Christopher Charlton is a financial advisor with LPL Financial and holds the Series 66 designation. He began his advisory role at LPL Financial in 2026 and has prior work experience at Broadview Federal Credit Union and several other organizations. 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, including discretionary and non-discretionary management, and provides access to model portfolios and research from various sources.

Brian Goldwasser is a financial advisor with Morgan Stanley, holding a Series 66 designation and bringing 10 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2022, following six years at Commerzbank AG in New York. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market outlook models as part of its advisory process.

David Hawley is a financial advisor with Thrivent Investment Management in Schenectady, NY, holding Series 63 and Series 66 licenses and possessing 41 years of industry experience. He has worked at Thrivent Financial for Lutherans since 2004 and with Thrivent Investment Management since 2002. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers comprehensive, goal-based planning across various financial and personal topics without discretionary trading authority and allows clients to combine planning with managed-account services under a consolidated billing option called “WealthPlan.”

Jennifer George is a CFP® professional with 15 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. She previously worked at Ameriprise Financial Services, Inc. from 2009 to 2020. In addition to her advisory role, she owns and manages STJMD Enterprises, Inc., a management company based in Castleton, NY. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research-driven modeling and tax-efficiency analysis to deliver tailored recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Robert Mc Guirk is a financial advisor at OSAIC with four years of industry experience. He holds the CFP® designation along with Series 66 and Series 63 licenses. Prior to joining OSAIC, he worked at Cambridge Investment Research and LPL Financial, and he is also the owner and managing attorney of a law office in Troy, NY, providing estate planning services. OSAIC serves a diverse group of retail and institutional clients through a large network of affiliated advisers and offers a broad range of investment advisory and brokerage services, including financial planning, retirement consulting, and access to third-party money managers. The firm uses various asset-allocation tools and automated rebalancing to construct portfolios and supports multiple advisory platforms and legacy programs.

Melanie Lugo is a financial advisor with Morgan Stanley in Latham, NY, holding Series 63 and Series 66 licenses and having 24 years of industry experience. She has been with Morgan Stanley since 2009 and joined Morgan Stanley Private Bank, N.A. in 2025. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a wide range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its advisory process.

Valentino Leon is an Investment Consultant at Fidelity Investments, a role he has held since 2026. In this capacity, he guides clients with growing assets by connecting them with appropriate resources and teams, and assists clients in the early stages of their financial journey by providing practical direction for the future. Prior to his current position, Valentino served as a Relationship Manager at Fidelity Investments from 2025 to 2026 and as a Financial Representative from 2024 to 2025. This progression has contributed to his experience in financial advising and client relationship management. Outside of his professional responsibilities, Valentino has interests in art, fitness, golf, motorcycles, and music.

Paul Stento is a Series 66 licensed advisor with Merrill in Albany, NY, and has 23 years of industry experience. He has worked with Merrill Lynch since 2003 and with Bank of America, N.A. since 2011. 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 offers model-based and discretionary investment strategies managed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Lisa Tennant is a CFP® with 27 years of experience in the financial services industry. She has worked at LPL Financial since 2019 and previously spent 16 years with M&T Securities. Tennant has involvement as a limited partner owner in a local restaurant business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a nationwide network. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services with both discretionary and non-discretionary management options.

Brendan Leavey is a financial advisor at OSAIC with 43 years of industry experience. He holds the Series 63 and Series 65 credentials and was previously with American Portfolios Financial Services, Inc. for 15 years. Outside of his advisory role, he spends limited time in fixed insurance and life insurance brokerage activities. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, financial planning, and access to multiple investment platforms and third-party managers.

Guillermo Trujillo is a financial advisor with Edward Jones in Glenville, NY, holding a Series 66 designation and 11 years of industry experience. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a wide range of advisory programs and investment strategies through a large network of financial advisors and branch offices.

Peter Bernstein is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. 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 roughly $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Eric Besaw is a financial advisor at Merrill with 16 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Charles Schwab, TD Ameritrade, and Scottrade. Outside of his advisory work, he serves as a committee member for the Merrimack River Feline Rescue Society and owns Bluebird Acre Farm LLC, a nursery and agriculture business focused on growing fruit and nut trees and shrubs. Merrill 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 institutions.

Katrina Consiglio is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and 27 years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC for a combined 16 years. Consiglio serves on the finance committee at St. Vincent de Paul Church and holds leadership roles with the Teresian House Foundation and other local nonprofit organizations. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and municipal entities. The firm offers tailored financial planning and consulting with a range of portfolio management styles, municipal advisory services, and an extensive affiliate network.

Marybeth Hofmeister is a CFP®-certified financial advisor with 29 years of industry experience. She currently works at LPL Financial and previously spent nine years at Cadaret, Grant & Co., Inc., along with over two decades at Shipp Financial Services. Outside of her advisory roles, she is a business owner of The Hofmeister Corporation. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement consulting, and brokerage services supported by model portfolios and research from multiple sources.