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 associated with WealthOne, LLC since 2011 and LPL Financial since 2016, with additional experience managing his own advisory entities. Outside of his advisory roles, he is involved with WP Strategic Holding, LLC, a non-investment related business. LPL Financial serves a wide range of clients including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers comprehensive financial planning, advisory programs, retirement plan consulting, and brokerage services, with access to model portfolios and research from various sources.

Ryan Chenot is a financial advisor with LPL Financial in Albany, NY, holding Series 63 and Series 66 licenses and having 11 years of industry experience. He has worked at LPL Financial since 2019 and has been associated with Capital Communications Federal Credit Union since 2009. 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 financial planning, various advisory programs, retirement plan consulting, and brokerage services, with discretionary and non-discretionary management supported by research and technology-driven strategies.

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 at Merrill Lynch Wealth Management, where he has been serving clients since July 2018. As a partner on The H Group, he focuses on assisting business owners, executives, and first-generation wealth creators, particularly in the Capital Region and Greater New York City area. Zachery brings his experience as a U.S. Army Veteran to his professional practice, contributing to his approach to wealth management. His expertise includes corporate benefits, executive compensation, equity compensation services, family wealth management strategies, liquidity management, philanthropic planning, portfolio management services, tax minimization, and retirement income planning. Zachery emphasizes a thorough analysis of a family's financial assets and collaborates with private bankers, mortgage loan officers, and estate planning specialists to provide comprehensive wealth management solutions. Zachery holds a Bachelor's degree from St. Lawrence University and has earned multiple professional designations, including Certified Exit Planning Advisor (CEPA), 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 actively involved with the Veteran Connect Center, reflecting his commitment to community involvement and service.

Shelley Bullock is a financial advisor with LPL Financial in Latham, NY, holding a Series 63 designation and 14 years of industry experience. She has worked at LPL Financial since 2018 and previously held roles at Equity Services, Inc. and NPA Financial, LLC. Outside of her advisory role, Bullock is involved with several related business activities including roles at Advisors Insurance Brokers and Zapp Insurance, 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 financial planning and advisory programs, supported by research and model portfolios, and also provides insurance products and lending solutions alongside its advisory services.

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 work includes positions at Cadaret, Grant & Co., Inc., Pioneer Bank, and Anchor Agency. LPL Financial serves individual and institutional clients through a national network offering financial planning, advisory programs, retirement plan consulting, and brokerage services, employing both discretionary and non-discretionary management with support from internal and third-party research.

Paula Aveni is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 20 years of industry experience. Her career includes roles at Citizens Bank, Citizens Securities, Broadview Federal Credit Union, and currently at Hudson Valley Credit Union. She serves as a board member for Puppy Kitty NYC, a nonprofit organization. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charities. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research from both internal and third-party sources.

Adam Jones is a financial advisor with Cetera, holding Series 63 and Series 65 designations and eight years of industry experience. He has worked at Cetera since 2019 and previously at Foresters Financial Services and FirstLight Fiber. Outside of advising, he coaches baseball and softball. Cetera Investment Advisers LLC is an SEC-registered firm that provides a range of portfolio management and financial planning services to individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers multiple investment program options and access to third-party managers, managing over $256 billion in assets.

Kyle Mastrianni is a financial advisor with Charles Schwab in Albany, NY, holding Series 65 and Series 63 licenses and with eight years of industry experience. His prior roles include positions at J.P. Morgan Securities LLC, JPMorgan Chase Bank, Fidelity Investments, and Purshe Kaplan Sterling Investments. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a mix of non-discretionary and discretionary investment solutions supported by multi-asset model portfolios and centralized custody and operational services.

Mary Anthony is a financial advisor at Merrill with Series 63 and Series 65 designations and 39 years of industry experience. She has been with Merrill since 2014. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Mark Caropreso is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009. Prior to that, he was with Citigroup Global Markets starting in 1993. Outside of his advisory role, he is the sole proprietor of two investment-related businesses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a broad range of advisory programs supported by structured planning tools and research from its Global Investment Committee.

Thomas Tesar is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and seven years of industry experience. He has worked with PFS Investments Inc. since 2018 and has additional experience at Primerica Financial Services and BrandXads. Outside his advisory role, he is involved in sales of loan products, home security, automation, and other home-related services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm’s program utilizes model-delivery strategies managed by unaffiliated asset managers and offers limited discretionary separately managed account options.

Paul Michaels is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his financial services career in 2008 at Susquehanna International Group before joining Merrill Lynch in 2012. Paul serves clients with diverse financial needs, focusing on retirement planning and wealth management, including areas such as corporate benefits, family wealth strategies, legacy planning, liquidity management, and socially responsible investing. Paul holds the Chartered Retirement Planning Counselor (CRPC) and Accredited Asset Management Specialist (AAMS) designations from the College for Financial Planning. He is a graduate of the University of Connecticut. Paul is part of the Tellstone Sullivan Michaels Wealth Management Group, which provides personalized wealth management services to clients including physicians, business owners, executives, and multiple generations. The team emphasizes a holistic, forward-looking approach to wealth management and client service. Outside of his professional role, Paul and his wife Rachel are raising a family in Saratoga. He is involved in community activities such as serving on a committee for ALS Center fundraising. Paul also enjoys adventure sports, baseball, basketball, boxing, football, golfing, ice hockey, reading, running, and spending time with his family.

David O Connell is a financial advisor at Mass Mutual Investors Services with 11 years of industry experience. He holds the Series 63 designation and has been with Mass Mutual and its affiliated companies since 2016. 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, employing technology-driven analysis to support collaborative, annual financial planning engagements.

Michael Di Fabio is a Series 66 licensed financial advisor with Edward Jones in Latham, NY, where he has worked since 2020. He has five years of industry experience, including prior roles at Sherwin Williams and David Phillips CPA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of more than 23,700 financial advisors.

Christopher Reilly is a financial advisor with Edward Jones in Troy, NY, holding the Series 66 designation and 15 years of industry experience. He has been with Edward Jones since 2010. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.