Matthew Clement is a financial advisor with LPL Financial in Troy, NY, holding a Series 66 designation and 12 years of industry experience. He has been with LPL Financial since 2014 and also has a longstanding role at Cap Com Federal Credit Union since 2010. Clement is a licensed Notary Public. 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, supported by proprietary and third-party research.

Matteo Curto is a Financial Advisor affiliated with Merrill Lynch Wealth Management. Raised in New York's capital region within a second-generation Italian American family, Matteo spent his early years working in his family's restaurant in Lake George. His experiences observing the challenges faced by small business owners and real estate investors influenced his career path towards financial advising. Matteo holds a Bachelor's Degree in Finance from Siena College, with a minor in Entrepreneurship and a concentration in Real Estate Investing. He offers expertise in areas including legacy planning, liquidity management, portfolio management, small business strategies, socially responsible investing, tax minimization, and retirement income. He is dedicated to empowering investors to diversify their portfolios, particularly guiding real estate investors and small business owners to integrate market investments with their core endeavors for sustainable growth. Outside of his professional work, Matteo enjoys football, golfing, reading, soccer, spending time with his family, and traveling. He holds the Personal Investment Advisor (PIA) designation.

Joanne Avella is a financial advisor with Wells Fargo Clearing in Albany, NY, holding Series 63 and Series 65 designations and bringing 46 years of industry experience. She has worked with Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Barbara Chizniak is a financial advisor at Merrill with 12 years of industry experience, holding Series 63 and Series 66 designations. She has been with Merrill since 2016. Outside of her advisory role, she serves as an advisory board member for Girls Inc. of the Greater Capital Region, a charitable organization in Schenectady, New York. 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, and institutional investors.

Adam Knaust is a financial advisor with LPL Financial based in Latham, NY, holding a Series 63 designation and 18 years of industry experience. He has been associated with Wealthone LLC and LPL Financial since 2016. Outside of his advisory role, he is involved with KNAUST GROUP LLC, a business entity established for tax and investment purposes. 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 financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Zachary La Fave is a financial advisor at Mass Mutual Investors Services with three years of industry experience. He holds Series 63 and Series 65 credentials and has worked at MassMutual Life Insurance Co and New York Life Insurance Company. Outside of financial advising, he operates a tax preparation business and works as a bus driver for a local tour company. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, and charitable organizations. The firm offers financial planning, asset management, and educational seminars with an emphasis on collaborative, software-assisted goal analysis and tailored investment strategy recommendations.

Ginger Renwick is a financial advisor at Merrill with nine years of industry experience. She holds a Series 66 designation and has been with Merrill since 2013. 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, and institutional investors.

Thomas Brockley is a financial advisor with RBC Capital Markets in Albany, NY, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He has been with RBC Capital Markets since 2010 and has also worked at City National Bank since 2016. Outside of finance, Brockley owns and actively manages a horse racing and breeding business, Brockley Stables, and owns a sports memorabilia company. He serves on the boards of the Albany Police Athletic League and Premiere Transportation Group. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, and charitable organizations. The firm offers multiple advisory programs featuring discretionary and non-discretionary portfolio management and financial planning, tailoring strategies to client risk profiles and utilizing both in-house and third-party investment managers.

Jason Malmendier is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and bringing 21 years of industry experience. His career includes roles at MetLife Securities Inc. and MassMutual Life Insurance Co. Outside of his advisory work, he manages multiple rental properties in Schenectady, NY. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of programs including wrap and money-manager options, as well as educational seminars.

Ryan Kasuba is a financial professional with two years of industry experience, currently associated with Cetera. He holds a Series 66 designation and has worked at firms including Equitable Advisors and Capobianco Financial Advisors. In addition to his advisory role, Kasuba sells fixed insurance products as an insurance agent. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individual investors, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform that provides access to both affiliated and third-party managers across multiple program structures.

William Von Atzingen is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 10 years of industry experience. He has worked at Cetera since 2019 and previously held roles at Foresters Financial Services, Cave Mountain Brewing Company, Sunnyhill Resort, and New York State Parks and Recreation. Von Atzingen serves as a town board member and deputy town supervisor for the Town of Greenville. Cetera Investment Advisers LLC is an SEC-registered firm with over 10,000 advisors serving individual, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers and program options.

Aidan Klein is a financial advisor at Raymond James Financial with 4 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. His prior roles include positions at Beyond Wealth Management Group, The Kelton Financial Group, and Park Avenue Securities. Outside of finance, he works part-time as an assistant wedding planner, focusing on day-of coordination and event support. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, corporations, and institutional investors. The firm provides tailored, non-discretionary planning and utilizes advanced modeling tools to support client goals while offering specialized advisory programs and municipal finance services.

Andre Turman is a financial advisor at Morgan Stanley with 15 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, Bank of America, N.A., and Merrill. Outside of his advisory role, Turman serves on the boards of Father's Incorporated, Inc. and the Regional Food Bank of Northeastern New York and is co-authoring a book titled *Living in a World Without Color*. Morgan Stanley Wealth Management is a large institution serving individual and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both retail and corporate financial planning services.

Daniel McCarty is a financial advisor with LPL Financial in Albany, NY, holding Series 63 and Series 66 designations and 20 years of industry experience. He worked at Cadaret, Grant & Co., Inc. for 17 years before joining LPL Financial in 2025. 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 model portfolios and research from LPL Research and third-party subadvisors.

Eoin Carroll is a financial advisor with LPL Financial in Troy, NY, holding a Series 63 designation and having 16 years of industry experience. He has worked at LPL Financial since 2016 and also has a concurrent role with Pioneer Savings Bank starting in 2015. Carroll’s professional activities include involvement with Pioneer Wealth Management and Advisor Insurance Brokers. 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 and financial planning services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Steven Mannato is a financial advisor with LPL Financial, holding a Series 63 designation and over 34 years of industry experience. He has worked at Pombo Wealth Management since 2008 and was previously with Cadaret, Grant & Co., Inc. for 17 years. Mannato is also involved as a non-variable insurance agent through ASH Brokerage. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, providing both discretionary and non-discretionary management supported by research and model portfolios.

Kathleen Collins Funk is a financial advisor with Wells Fargo Clearing in Albany, NY, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she is a part-owner of a rental property in Ballston Spa, NY. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Aidan Tripoli is a financial advisor with Morgan Stanley, holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining Morgan Stanley, he worked at GlobalFoundries and has experience in the hospitality industry with Ninety Nine Restaurant & Pub and Outback Steakhouse. Outside of finance, he has been involved with Eagle Crest Golf Club for over a decade. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers services through both direct client relationships and corporate financial planning agreements.

Allison Davies is a financial advisor at Merrill with seven years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2021. Her prior experience includes roles at Stratos Wealth Partners, Holistic Wealth Advisors, Capital Financial Planning LLC, LPL Financial, and Murdock Abstract Corporation. 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.

Jeffrey Hollander is a financial advisor with Morgan Stanley in Latham, NY, holding Series 66, Series 63, and Series 65 licenses and bringing 42 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides both direct individual plans and Corporate Financial Planning agreements.