Nicholas Trotta is a CFP® and holds a Series 66 designation with nine years of industry experience. He has been with Edward Jones since 2017 and previously worked at Blasch Precision Ceramics from 2015 to 2017. He is based in Niskayuna, NY. Edward Jones is a full-service wealth management firm serving over 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 wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Andrew Clark is a financial advisor with LPL Financial, holding a Series 66 designation and 20 years of industry experience. He has been with LPL Financial since 2006. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base that includes individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs supported by research and technology, providing both discretionary and non-discretionary management options.

Richard Sandner II is a financial advisor at Equitable Advisors with eight years of industry experience. He holds the ChFC® designation and the Series 66 license. His prior experience includes positions at Merrill Lynch and Axa Advisors. He is also a volunteer with the Cyprus Shriners in Glenmont, NY. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by providing financial planning, retirement plan consulting, and asset management programs through a network of Investment Adviser Representatives. The firm utilizes a variety of third-party advisory models and offers ERISA fiduciary services, without sponsoring its own wrap fee program.

Norma Forkeutis is a financial advisor with Morgan Stanley in Latham, NY, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. She has been with Morgan Stanley since 2010, including her current role at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering comprehensive financial planning supported by firm-approved tools and research from the Global Investment Committee. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and corporate financial planning agreements.

Liam Ambrosio is a Financial Advisor with Merrill Lynch Wealth Management, based in Latham, New York. He focuses on understanding his clients' unique situations to provide tailored financial solutions. His expertise includes employee benefits planning, executive compensation, family wealth management strategies, investment consulting for defined contribution plans, portfolio management, individual and corporate investment strategy, and tax minimization. Liam holds a Bachelor's Degree from the State University of New York System and has earned the Personal Investment Advisor (PIA) designation. He is affiliated professionally with Merrill Lynch. Outside of his professional work, Liam resides in Saratoga Springs and is involved with the Lucky Puppy Rescue community organization. His personal interests include adventure sports, basketball, chess, cooking, fishing, football, golfing, pickleball, volleyball, yoga, travel, horse races, and hiking.

Brian Garnets is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 registrations and bringing 30 years of industry experience. His prior work includes roles at Ic Advisory Services Inc, The Investment Center Inc, and National Planning Corporation. Outside of his advisory career, he owns SPENCER AVERY INC., a non-investment business. Equitable Advisors serves a diverse client base, including individuals, retirement plans, corporations, and charitable organizations, offering financial planning and asset management through a network of Investment Adviser Representatives. The firm utilizes a range of third-party advisory programs and provides fiduciary services to qualified plans.

Emily Muhvich is a financial advisor at Equitable Advisors with 12 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Equitable Advisors and Axa Advisors LLC since 2014. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by offering financial planning, retirement plan consulting, and a variety of asset-management programs. The firm uses a range of third-party asset managers and advisory programs to tailor investment solutions based on clients’ risk tolerance and personal or plan information.

Lauren Woodcock is a financial advisor with Equitable Advisors based in Malta, NY, holding Series 63 and Series 65 licenses and having 13 years of industry experience. She has been with Equitable Advisors and its predecessor firm since 2013, including a seven-year period with AXA Advisors, LLC. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party advisory programs and maintaining a focus on matching clients to appropriate investment models and managers.

Nicholas Forkeutis is a financial advisor with Morgan Stanley in Saratoga Springs, NY, holding a Series 66 designation and five years of industry experience. He has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley since 2021. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through financial advisors and specialized planning groups.

Kayla Kohl is a Financial Advisor and Senior Portfolio Advisor with Merrill Lynch Wealth Management in Latham, NY. She has over five years of experience assisting individuals and families with key financial decisions. In her role, she focuses on retirement planning, wealth accumulation strategies, tax-efficient investing, and planning for life transitions. Kayla works closely with clients to develop personalized strategies that align with their financial goals and circumstances. Her approach emphasizes comprehensive planning beyond investments alone to ensure all aspects of a client's financial life work effectively together. As a Senior Portfolio Advisor, she manages discretionary custom investment strategies and selects from a broad range of Merrill Lynch model portfolios and third-party investment options. Kayla holds the Personal Investment Advisor (PIA) designation and is affiliated with Merrill Lynch Wealth Management. Kayla earned her Bachelor's Degree from the University of Miami. Outside of her professional work, she enjoys cooking, hiking, running, and spending time with her family.

Kenneth Parow Jr. is a financial advisor at Edelman Financial Engines with six years of industry experience. He holds a Series 66 designation and has previously worked at Financial Engines Advisors L.L.C., Bank of America, Merrill, and Citizens Bank. Outside of finance, he also works as a bartender at Active Ingredient Brewing Company in Malta, New York. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines proprietary modeling with planner delivery and online tools, offering a range of discretionary and non-discretionary management solutions focused on diversified portfolios and long-term investment strategies.

John Hendricks is a financial advisor with Morgan Stanley in Pensacola, FL, holding Series 63 and Series 65 credentials and over 31 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm‑approved tools.

Anthony Di Pace is a financial advisor at LPL Financial with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Bank of America, Merrill, Edward Jones, Key Investment Services LLC, KeyBank, and Citizen's Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing research and model portfolios from LPL Research and third-party subadvisors.

John Moore is a financial advisor at Morgan Stanley with 15 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and Morgan Stanley Private Bank since 2015 and 2016, respectively. Outside of his advisory work, Moore serves as a board member, treasurer, and finance committee member for Beagle School, an educational organization in Saratoga Springs, New York. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a variety of advisory programs to individuals and institutions. The firm provides tailored financial planning services and manages approximately $2.74 trillion in client assets.

Marissa Garza is a financial advisor with Morgan Stanley in Saratoga Springs, NY, holding a Series 66 license and one year of industry experience. Prior to joining Morgan Stanley, she worked as a nanny and has experience with The Center For Disability Services. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured discovery and advanced planning tools to support tailored financial plans.

Chelsea Mcauliffe is a financial advisor at Equitable Advisors with 11 years of industry experience. She holds Series 63 and Series 65 designations and has been with Equitable Advisors since 2015, following her tenure at Axa Advisors LLC. She also serves as power of attorney for her husband. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management programs to a diverse client base, including individuals, pension plans, corporations, and charitable organizations. The firm utilizes a range of advisory models and third-party asset managers, emphasizing fiduciary services and integrating both proprietary and external investment solutions.

John Malicki is a financial advisor with Morgan Stanley in Latham, NY, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by approved tools and modeling techniques.

Matthew Waskiewicz is a Series 66-credentialed financial advisor with Morgan Stanley, based in Saratoga Springs, NY, and has three years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2022. Outside of his advisory role, Waskiewicz is involved with Headwall Technology II, a technology contracting business. Morgan Stanley Wealth Management provides advisory and brokerage services to both individual and institutional clients, offering tailored financial planning and a range of investment programs supported by firm-approved tools and methodologies.

Patrick Marlatt is a financial advisor at Equitable Advisors with six years of industry experience. He holds a Series 66 designation and has previously worked in various roles including academic positions at SUNY Oswego, Onondaga Community College, Lemoyne College, and SUNY Canton. In addition to his advisory role, he is involved as a sales associate with Realty Benefit Services and Dergalis Associates LLC. Equitable Advisors serves a diverse client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management programs through a network of Investment Adviser Representatives, utilizing a range of third-party advisory models and proprietary investment products.

Daniel Vartigian is a Senior Financial Advisor with Merrill Lynch Wealth Management. Licensed since 1988, he has extensive experience in financial planning and portfolio construction, working with individuals and families to help grow and maintain their wealth. His client focus areas include college education planning, family wealth management strategies, personal retirement planning, tax minimization, and retirement income. Mr. Vartigian holds a Bachelor's Degree from Ithaca College and earned his Series 7 FINRA registration in 1988. Over the course of his career, he has worked with First Albany, Morgan Stanley, UBS, and Merrill Lynch Wealth Management. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). In addition to his professional work, Daniel follows the Merrill tradition of community involvement, dedicating time to volunteer with local organizations. He also enjoys a wide range of sports including baseball, basketball, billiards, football, golfing, ice hockey, softball, and table tennis, as well as spending time with his family and watching movies.