Jonathan Tamul is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has over 20 years of experience in wealth management and financial planning, dedicating his practice to helping clients achieve their financial goals through customized asset management and guidance. Jonathan leverages Merrill Lynch's investment platform and technology alongside his extensive expertise to provide a personalized wealth management experience. Prior to joining Merrill Lynch in 2017, Jonathan spent 11 years at the Ayco Company, L.P., a Goldman Sachs Company, with six of those years in the Private Wealth Management division. His client focus areas include corporate benefits, employee benefits planning, executive compensation, family wealth management strategies, liquidity management, personal retirement planning, portfolio management, women and wealth, individual and corporate investment strategy, and tax minimization. Jonathan holds a Bachelor's degree in Economics from the University at Albany and is a CERTIFIED FINANCIAL PLANNER (CFP) certificant as well as a Personal Investment Advisor (PIA). Outside of his professional work, he spends time with his wife Tiffany, their two children JJ and Arianna, and enjoys various sports, cooking, and watching movies.

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, holding Series 65 and Series 66 licenses and 17 years of industry experience. He has worked with Equitable Advisors since 2009, with a period at AXA Advisors from 2015 to 2020. Outside of his advisory role, he serves as Treasurer and a Board Member of the West Albany Athletic Association. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm provides financial planning, retirement plan consulting, and asset-management programs through a network of investment adviser representatives, utilizing a range of third-party and proprietary investment solutions.

Joseph Tecklenburg is a financial advisor at LPL Financial with five years of industry experience. He holds the CFP® and ChFC® designations, as well as a Series 63 license. His prior experience includes roles at Northwestern Mutual Wealth Management Company and Ayco Mercer, a Goldman Sachs company. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory services, including discretionary and non-discretionary portfolio management supported by in-house and third-party research.

Louis Dahoda is a financial advisor with Edward Jones in Clifton Park, NY, holding a Series 66 designation and over 16 years of industry experience. He has been with Edward Jones since 2009. Outside of his advisory role, he is involved in managing several residential rental properties in Waterford, NY. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including high-net-worth and non-high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm offers a range of advisory strategies and investment options, supported by a large network of financial advisors and branch offices nationwide.

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.

Thomas Burdick is a CFP®-certified financial advisor with 38 years of industry experience. He has been with LPL Financial since 2018 and previously worked at INVEST Financial Corporation from 2014 to 2018. Outside of his advising role, he founded SoLev, Inc., a corporation focused on purchasing land for use as a solar farm. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management along with research-driven model portfolios.

John Petersen is a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management, serving clients in the Capital Region since 1992. He began his career in financial services in 1986 and focuses on delivering comprehensive wealth management strategies tailored to the needs of high-net-worth individuals and families. John works closely with clients to identify and pursue their primary financial goals, including education funding, tax minimization, retirement planning, and legacy strategies. John holds the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc. He is a graduate of Providence College with a bachelor's degree in Business Finance. Through his access to Merrill's investment resources and the banking services of Bank of America, he provides disciplined and customized wealth management advice aimed at building, managing, and preserving clients' wealth across generations. In addition to his professional work, John and his family are active in their community in Loudonville. He supports organizations such as Wicklund Warriors, Inc., and is involved with the Lake George Association. His personal interests include boating, cooking, golfing, hiking, music, photography, reading, skiing, tennis, and spending time with his family.

Jennifer Franciosa is a financial advisor at Merrill with 28 years of industry experience. She holds the Series 63 and Series 66 licenses and has been with Merrill since 1997. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Gilbert Chase is a financial advisor with LPL Financial in Latham, NY, holding Series 63 and Series 65 credentials and having 35 years of industry experience. He previously worked at Invest Financial Corporation before joining LPL Financial in 2018. 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 broad range of financial planning and advisory programs, including discretionary and non-discretionary management supported by model portfolios and research.

David Massaroni is a financial advisor with LPL Financial in Latham, NY, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. His prior roles include positions at Bank of America, Merrill, and Wells Fargo Advisors. Outside of his advisory work, he is involved in consulting through a home-based business. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from both internal and third-party sources.

Shon Mclain is a financial advisor with Osaic Wealth, Inc. in Saratoga Springs, NY, holding a Series 63 designation and bringing 25 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, Massmutual Life Insurance Co, National Life Group, and Equity Services, Inc. Outside of his advisory work, he is a partial owner of thoroughbred racehorses. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of financial advisers. The firm provides integrated brokerage and advisory services with a focus on asset allocation, risk assessment, and portfolio management using various investment vehicles and third-party platforms.

Robert Colley is a CFP® with 46 years of industry experience, currently affiliated with Cetera. He has a long tenure in financial services, including roles at Cadaret, Grant & Co., Inc., and as a principal of Colley & Colley, Inc. dba Cornerstone Financial Advisors since 1994. Outside of his advisory work, he serves as a personal assistant and caregiver for an elderly relative. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a variety of portfolio management and financial planning services, allowing advisors to utilize multiple program structures and manager options.

Jacqueline Marshall is a financial advisor at LPL Financial with 42 years of industry experience. She holds the Series 66 designation and previously worked at Next Financial Group, Inc. for 23 years. In addition to her advisory role, she is active as a FINRA arbitrator and operates a tax preparation and accounting business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary portfolio management, supported by research from internal and third-party sources.

Steven Warren is a Series 66 licensed financial advisor with five years of industry experience. He is currently with Thrivent Investment Management and has prior experience at The Vanguard Group. Warren serves on the board of directors for the Joan Nicole Prince Home, a nonprofit providing bedside care to terminally ill individuals. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, providing goal-based analyses and written recommendations across various financial planning areas without discretionary trading authority. The firm’s approach integrates planning with managed-account options under a consolidated billing system, delivered through a network of financial advisors.

Matthew Tarullo is a financial advisor with Cetera, holding Series 63 and Series 65 designations and having 10 years of industry experience. He has worked at Cetera and its affiliated entities since 2019 and previously was with Foresters Financial Services for four years. Outside of his advisory work, Tarullo is a physical education teacher at CSD Highschool. Cetera Investment Advisers LLC is an SEC-registered firm that serves 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, utilizing a multi-manager platform with both affiliated and third-party managers, and manages assets totaling over $256 billion.

Brian Cumming is a financial advisor at Equitable Advisors with 13 years of industry experience. He holds the Series 66 designation and has worked at Equitable Advisors since 2013, including time at Axa Advisors LLC. Outside of his advisory role, he serves on the Stewarts MYO Scholarship Selection Committee and is a volunteer member of the Board of Directors for Northern Rivers. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset-management programs. The firm employs a range of advisory models, including third-party TAMPS and discretionary management, and provides ERISA fiduciary services through credentialed advisors.

Daniel Miller is a financial advisor with Ameriprise in Latham, NY, holding a Series 63 designation and 11 years of industry experience. His career includes roles at Ameriprise Financial Services, MassMutual, and MetLife Empire Group. He serves on the Board of Directors for the Ronald McDonald House of the Capital District. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm delivers these recommendations through a centralized consulting team in partnership with financial advisors and emphasizes assets held in Ameriprise Managed Accounts.