Paula Aveni is a financial advisor at LPL Financial with 20 years of industry experience. She holds Series 63 and Series 65 credentials. Her background includes roles at Hudson Valley Credit Union, Broadview Federal Credit Union, Citizens Securities, Inc., and Citizens Bank. She serves on the board of Puppy Kitty NYC, a nonprofit organization. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides financial planning and investment advisory services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of portfolio management solutions and uses various operational tools to support its network of over 22,800 advisors.

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 at Charles Schwab with eight years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at firms including Fidelity Investments, J.P. Morgan Securities LLC, and Purshe Kaplan Sterling Investments. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of wrap fee advisory, brokerage, custody, and financial planning services. The firm’s investment approach includes non-discretionary client relationships supported by model portfolios and access to affiliated discretionary separately managed accounts.

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.

Julia Wittmann is a financial advisor with Raymond James & Associates in Latham, NY, holding a Series 66 designation and bringing 10 years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Advisors. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, pension plans, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a range of portfolio management styles and affiliated research.

Kyle Heran is a financial advisor with Equitable Advisors in Latham, NY, holding Series 65 and Series 66 licenses and 17 years of industry experience. He has been with Equitable Advisors for a total of 15 years, including prior tenure from 2009 to 2013, and also worked five years at Axa Advisors LLC. He serves as Treasurer and Board Member of the West Albany Athletic Association. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm utilizes a range of advisory program models and third-party asset managers, delivering services through a large network of Investment Adviser Representatives.

Stephen Vadney is a Planning Consultant who focuses on providing financial education and guidance to individuals and families. He emphasizes the importance of having a financial plan to support financial health and to live life according to one's design. Stephen has experience as a Registered Principal and Financial Advisor with Halliday Financial, LLC and TSA Portfolio Management from 2017 to 2023. Prior to that, he worked as an Employee Benefits Consultant at AFLAC between 2015 and 2017. He also served as a Branch Manager at SEFCU from 2012 to 2015 and at First Niagara Bank from 2002 to 2012, where he was also a Financial Consultant. The biography does not provide information on Stephen's education, credentials, personal interests, or community involvement.

Seth Reinhardt is a financial advisor at Edward Jones with six years of experience, holding a Series 66 designation. His prior roles include work with Seadrift Partners and involvement with the San Francisco Flamethrowers. He also serves as a youth coach for the Bay Area Disc Association, working with children aged 8 to 14. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with over 23,700 financial advisors nationally and approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and proprietary mutual funds.

Joseph Tecklenburg is a financial advisor with LPL Financial in Latham, NY, holding CFP® and ChFC® designations and five years of industry experience. His prior roles include positions at Northwestern Mutual Wealth Management Company and Ayco Mercer Allied, a Goldman Sachs company. 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.

Kelsey Irwin is a Wealth Management Advisor at Merrill Lynch Wealth Management, where she has been providing tailored wealth strategies since joining in 2011. She specializes in helping individuals and families build, manage, and preserve their wealth through personalized financial planning and investment management. Her work focuses on addressing client needs across various areas including college education planning, legacy planning, retirement income, tax minimization, and socially responsible investing. Kelsey holds a Bachelor's Degree from the University of Florida and a Master of Business Administration from Boston College Carroll School of Management. She is certified as a CERTIFIED FINANCIAL PLANNER® (CFP®) and Chartered Retirement Planning Counselor™ (CRPC), and holds FINRA Series 7 and 66 registrations. She works as part of the Franke, Stento, Mohan & Irwin Group, providing practical strategies and detailed planning to help clients simplify wealth complexities. Originally from Florida, Kelsey currently resides in Niskayuna, New York. She is a member of the Junior League of Boston. Outside of work, she enjoys running, including having completed seven marathons and qualified twice for the Boston Marathon, as well as boating, cooking, swimming, traveling, yoga, and spending time with her family.

Thomas Mcdonald Jr. is a Series 66-licensed financial advisor with 13 years of industry experience. He previously worked at Janney Montgomery Scott before joining Raymond James & Associates in Latham, NY. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and consulting through various advisory programs with a focus on non-discretionary relationships.

Jordan West is a financial advisor with LPL Financial in Albany, NY, holding a Series 66 license and having one year of industry experience. Prior to joining LPL Financial, he has held roles at Broadview Federal Credit Union since 2020 and has experience in various positions including at Pop's Pizza and the Tri-City ValleyCats. Outside of his advisory role, West is also employed in bowling. 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 portfolios, third-party asset management, and institutional platforms, supported by investment adviser representatives who implement both proprietary and third-party strategies.

Thomas Burdick is a CFP®-certified financial advisor with 38 years of industry experience. He is currently with LPL Financial, where he has worked since 2018, following prior roles at INVEST Financial Corporation and Equitable Advisors. Outside of his advisory duties, he has established a corporation focused on developing land for solar farm use. 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 and access to various portfolio programs and institutional platforms.

Harvey Bowks is a financial advisor at Cetera with 44 years of industry experience. He holds the ChFC® designation and securities licenses Series 63 and Series 65. Bowks has worked with Cetera since 2013 and is also the owner of Main Street Financial. He serves on the boards of several nonprofit organizations, including Teresian Nursing Home, St. Pius X Church, and the NY State Defenders Justice Fund. Cetera Investment Advisers LLC is an SEC-registered firm that provides a multi-manager platform for over 10,000 advisors nationwide, offering portfolio management, financial planning, and retirement services to individual, corporate, and institutional clients. The firm manages over $256 billion in assets and supports a range of investment programs including discretionary and non-discretionary strategies with access to both affiliated and unaffiliated third-party managers.