Thomas Schmitz is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with Morgan Stanley Private Bank since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets since 2000. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individuals and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that includes tools such as Monte Carlo simulations and secular return estimates.

Steven Meleco is a financial advisor at LPL Financial with 12 years of industry experience. He holds a Series 66 designation and has previously worked with PKS Advisory Services, Purshe Kaplan Sterling Investments, and Wells Fargo Advisors. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by proprietary research and third-party models.

Margaret Pennisi is a financial advisor at Wells Fargo Advisors with 10 years of industry experience. She holds the Series 66 designation and has worked primarily within Wells Fargo entities since 2016. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and financial planning services to individuals, trusts, and institutions. The firm provides a broad range of planning services covering areas such as retirement, education, risk, and wealth-transfer planning, utilizing proprietary research and planning tools to develop tailored recommendations.

Ryan Kelton is a financial advisor at Raymond James Financial with over 11 years of industry experience. He holds the CFP® and ChFC® designations and has worked previously at Northwestern Mutual. Kelton is involved in a tax practice called KFG Tax Services, LLC, which offers accounting services separate from his advisory work. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, and institutions. The firm offers tailored, non-discretionary planning and analytical tools to support client goals and maintains a unique affiliation with a municipal advisor to enhance its public finance capabilities.

Paul Coluccio is a financial advisor with LPL Financial, holding a Series 66 designation and 22 years of industry experience. He previously worked for Cambridge Investment Research Advisors and Cambridge Investment Research from 2012 to 2020. Coluccio is also involved with Rosemont Financial Group, a non-variable insurance and investment-related business in Albany, NY. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management approaches and a variety of research and portfolio options.

Ashton Britt is a financial advisor with Ameriprise in Cohoes, NY, holding a Series 66 designation and four years of industry experience. Prior to joining Ameriprise in 2022, Britt worked in various roles including positions at Siena College and DICK's Sporting Goods. Ameriprise offers a retirement-income planning service primarily for clients with significant investable assets, combining research-driven modeling, tax-efficient strategies, and algorithmic support to generate personalized retirement recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Thomas Gipson Jr. is a Wealth Management Advisor with Merrill Lynch Wealth Management in Mt. Kisco, NY. He began his career in 2007 following the completion of a Master's Degree from St. John's University. His professional experience includes work at Forex Capital Markets, where he focused on compliance and led regulatory audits for international branch offices. In 2009, he joined Morgan Stanley on a wealth management team, implementing tactical investment management strategies aimed at maximizing returns and reducing volatility. Thomas holds a Bachelor's Degree from St. Lawrence University and a Master's Degree from St. John's University. He has earned multiple professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His expertise spans areas such as college education planning, divorce transition planning, family wealth management strategies, and retirement income planning. Born in Brooklyn, NY, Thomas spent his formative years in the Adirondacks and graduated from Lake George High School. He is married to Jessica, whom he met at St. Lawrence University, and together they have two children. Outside of his professional role, Thomas enjoys baseball, football, golfing, ice hockey, reading, and spending time with his family.

Anthony Pereira is a CFP® with 17 years of experience in the financial services industry. He has worked at Charles Schwab and Charles Schwab Bank SSB since 2017, following prior roles at Axa Advisors, LLC and Capital Preservation Partners, Inc. Anthony is based in Albany, NY and holds Series 63 and Series 66 licenses. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment management, utilizing multi-asset model portfolios and access to alternative investments through a centralized, integrated platform.

Steven Massey is a financial advisor with LPL Financial in Albany, NY, holding a Series 66 designation and 26 years of industry experience. He has worked at LPL Financial since 2002 and was affiliated with Cap Com Financial Services, LLC for 19 years. Massey is also involved with Broadview Federal Credit Union. LPL Financial serves 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, model portfolios, and retirement plan consulting.

Salvatore Salerno is a Financial Advisor affiliated with Merrill Lynch Wealth Management. He specializes in creating personalized wealth management strategies that align with each client's unique financial goals and priorities. Salvatore emphasizes a disciplined and thoughtful approach to investment planning, aiming to build flexible plans that address changing market conditions and economic uncertainties. With a focus on clear communication, Salvatore helps clients understand their investment decisions to foster confidence throughout the financial planning process. He holds the Personal Investment Advisor (PIA) designation and earned his bachelor's degree from Syracuse University. Outside of his professional work, Salvatore has personal interests that include basketball, cooking, football, golfing, hiking, pickleball, skiing, tennis, traveling, and volleyball.

William Kopp is a financial advisor with LPL Financial in Latham, NY, holding a Series 63 license and over 56 years of industry experience. His prior work includes roles at Cetera Advisors LLC and National Life Insurance Co. Outside of advising, he has involvement with National Planning Group Inc., a non-variable insurance business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of financial planning, advisory programs, retirement consulting, and brokerage services supported by proprietary and third-party research and technology.

David Reilly is a Senior Financial Advisor with Merrill Lynch Wealth Management. He collaborates with individuals and families to help them understand their financial situations and develop personalized plans focused on achieving their financial goals. His areas of focus include personal retirement planning, portfolio management services, and retirement income strategies. David began his financial services career in 2007, initially concentrating on individual retirement planning. Over time, his practice expanded to encompass comprehensive wealth planning for families and businesses. He holds FINRA Series 7 and 63 registrations, Life and Health Insurance licenses, and the Personal Investment Advisor (PIA) designation. David earned a Bachelor's degree in Accounting from Siena College. Residing in Stillwater with his wife Michelle and their four daughters, David spends much of his time engaged in family activities. His personal interests include basketball, camping, football, gardening, and spending quality time with his family.

Shelby Martin is a Series 66 licensed financial advisor with LPL Financial, based in Albany, NY, and has nine years of industry experience. Since 2017, Martin has been associated with WealthOne, LLC, an independent registered investment advisory firm through which he provides investment advisory services. He has been with LPL Financial since 2016. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations via 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 utilizes model portfolios and research from multiple sources.

Scott Moore currently serves as a Planning Consultant at Fidelity Investments. He began his career in financial services as a Personal Banker at North Shore Bank in 2019 before moving to J.P. Morgan Securities as a Licensed Relationship Banker from 2019 to 2021. In 2021, he joined Fidelity Investments as a Planning Consultant, briefly held the role of Investment Consultant from 2025 to 2026, and then resumed his position as Planning Consultant. Scott focuses on building long-term client relationships through education and care, aiming to understand clients' concerns and objectives to advocate for their financial independence as defined by them and their families. His approach emphasizes listening and personalized financial planning. Outside of his professional work, Scott's interests include fitness, pets, scuba diving, swimming, and traveling.

John Daniels serves as a Wealth Management Advisor and Portfolio Manager at Merrill Lynch Wealth Management. In this role, he manages personalized and defined investment strategies on a discretionary basis, utilizing a range of assets including individual stocks and bonds, Merrill Lynch model portfolios, and third-party strategies. His responsibilities center on investment management to address client priorities of wealth creation and preservation. John offers comprehensive financial planning and guidance to high net-worth clients and their families. His areas of expertise include retirement planning, tax minimization strategies, trust and estate planning, investment management, insurance, divorce transition planning, family wealth management strategies, institutional investment consulting, and retirement income. He holds the CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Investment Management Analyst® (CIMA®), and Certified Plan Fiduciary Advisor® (CPFA®) designations, alongside Personal Investment Advisor (PIA) and Retirement Accredited Financial Advisor (RAFA) credentials. John's educational background includes a Bachelor's degree in Accounting from Siena College, a Graduate Certificate in Investment Management from the Yale School of Management, and a Master's degree in Finance from Johns Hopkins Carey Business School. John is involved in the community through his role on the Board of Directors for Junior Achievement of Northeastern New York and participation in the CFP Board Mentorship Program. Outside of his professional responsibilities, he enjoys golfing, skiing, and tennis. He is committed to working one-on-one with clients to develop personalized financial strategies aimed at pursuing their long-term goals.

Christopher Noonan is a financial advisor with LPL Financial in Albany, NY, holding a Series 63 designation and 21 years of industry experience. Prior to joining LPL Financial in 2020, he worked at Cambridge Investment Research Advisors, Inc. and Cambridge Investment Research, Inc. from 2016 to 2020. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services, with investment management supported by research from LPL Research and third-party subadvisors.

Abigail Boslet is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and 15 years of industry experience. Her career includes roles at Foresters Financial and Foresters Advisory Services LLC before joining Cetera in 2019. Outside of her financial work, she performs as an entertainer, playing guitar and singing. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Nicholas Bytner is a financial advisor with LPL Financial in Albany, NY, holding a Series 66 designation and beginning his advisory career in 2025. He has prior experience at Homeowners Advantage and Broadview Federal Credit Union, where he has worked since 2017. 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, retirement plan consulting, and brokerage services, utilizing discretionary and non-discretionary management supported by research and model portfolios.

Teresa Colvin is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds a Series 63 designation and has worked at Morgan Stanley Smith Barney since 2009 and Citigroup Global Markets since 2001. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and estate planning services, managing approximately $2.74 trillion in client assets.

Jennifer Bayliss is a financial advisor with Ameriprise in Albany, NY, holding Series 65 and Series 66 licenses and five years of industry experience. She has worked at Ameriprise since 2016 and previously was involved with Rodan and Fields for five years, alongside a twelve-year tenure at Williams College. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning through written Recommendation Reports and ongoing advice. The firm’s approach incorporates investment research, third-party data, and algorithmic tools, with restrictive enrollment criteria and a managed account offering that includes affiliated investment products.