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.

Peter Hussey is a CFP® with 44 years of industry experience, currently serving as an advisor at LPL Financial since 2025. He spent 22 years with Next Financial Group, Inc. Prior to his advisory career, he has been involved in non-variable insurance activities since 1982. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and nonprofits through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services with both discretionary and non-discretionary management options supported by proprietary and third-party research.

Clinton Mc Gowan is a financial advisor at UBS Financial Services with 29 years of industry experience. He previously worked at Goldman, Sachs & Co for 17 years and served four years at Stonehaven, LLC. He holds Series 63 and Series 65 licenses. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses model-based asset allocations and proprietary research to tailor financial plans to clients’ goals and risk tolerances.

David Needham is a CFP® and holds a Series 66 license with 23 years of industry experience. He has been with Ameriprise and its affiliates since 2007, currently serving clients out of Clifton Park, NY. Ameriprise provides retirement-income planning services focused on individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations, supported by a centralized consulting team and algorithmic tools.

Frank Chiappone is a financial advisor with LPL Financial, holding Series 63, 65, and 66 credentials and bringing 45 years of industry experience. His prior work includes roles at RMR Wealth Management, Dinosaur Securities, and DLG Wealth Management LLC. He is also actively involved in the sale of life, disability, and long-term care insurance products through several insurers. LPL Financial serves individual and institutional clients, including high-net-worth individuals and retirement plans, offering a range of advisory programs, financial planning, and brokerage services. The firm provides both discretionary and non-discretionary management and supports investment strategies with research from internal and third-party sources.

Mark Davies is a financial advisor with Cetera who holds Series 63 and Series 66 credentials and has 15 years of industry experience. His prior work includes roles at KeyBank, Key Investment Services LLC, and M&T Securities, INC. He is based in Latham, NY. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and consulting services through a multi-manager platform that provides access to affiliated and third-party managers, with various program structures and custodial relationships.

Steven Novotny is a CFP® professional with 25 years of industry experience, currently affiliated with LPL Financial since 2020. He previously worked at Cambridge Investment Research Advisors from 2012 to 2020. Outside of his advisory role, he is commissioned as a notary public in Albany, NY. 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 advisory programs, financial planning, and brokerage services, supported by research and both discretionary and non-discretionary portfolio management.

Brian Rex is a CFP® professional with 27 years of industry experience. He currently works at Wells Fargo Clearing, where he has been since 2016, following prior roles at Wells Fargo Advisors LLC and Morgan Stanley. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research and analytics from the Wells Fargo Investment Institute and third-party sources.

Zachary Rupert is a Financial Advisor with Merrill Lynch Wealth Management, specializing in providing personalized financial strategies to clients. He focuses on understanding clients' unique ambitions and helps them pursue their short-, mid-, and long-term goals by connecting them to appropriate planning resources and professional specialists. He earned a Bachelor's Degree in Finance from Siena College, where he also played collegiate ice hockey. Zachary holds the Personal Investment Advisor (PIA) designation, reflecting his commitment to professional development in the financial advisory field. Outside of his professional role, Zachary enjoys spending time outdoors engaging in boating, fishing, football, golfing, ice hockey, soccer, and family activities. He resides locally in Clifton Park, maintaining close ties to his community.

Grant Touhey is a financial advisor at Raymond James Financial with seven years of industry experience. He holds a Series 66 designation and previously worked at RBC Capital Markets, LLC and City National Bank. 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, pension and profit-sharing plans, corporations, charitable organizations, and institutions. The firm offers non-discretionary planning and consulting tailored to client goals and supports municipal and public-finance work through its affiliation with a municipal advisor.

Georgia Kelly is a Senior Financial Advisor at Merrill Lynch Wealth Management, where she oversees and coordinates financial affairs for families, retirees, corporate executives, business owners, and nonprofit organizations. She began her career on Wall Street 39 years ago and has dedicated herself to providing thoughtful, personalized financial analysis and planning to meet each client's unique needs. Georgia serves as a Senior Vice President, Senior Financial Advisor, and Portfolio Manager, holding designations including Chartered Retirement Planning Counselor™ and Certified Plan Fiduciary Advisor®. Georgia's expertise spans family wealth management strategies, retirement planning, portfolio management, and services tailored for endowments, foundations, and nonprofits. She has contributed over three years to training and educating emerging financial advisors within her firm and actively delivers financial literacy programs such as Bank of America's Better Money Habits to the community. Additionally, she is involved with the Fort Orange Club as a trustee and is a member and innovator on the Women@Work advisory board. A graduate of Syracuse University with a bachelor's degree in Marketing and Business Administration, Georgia has played leadership roles in nonprofit organizations and community initiatives, including co-founding the Annual Links to Leadership Charity Golf Day & Clinic to support women and girls. Her personal interests include boating, gardening, golfing, interior decorating, traveling, spending time with family, and watching movies.

Jayson Tanzman is a Senior Financial Advisor at Merrill Lynch Wealth Management. With a career spanning over 21 years, Jayson focuses on providing personalized financial analysis and planning to a diverse client base including families, retirees, corporate executives, entrepreneurs, and nonprofit organizations. His approach centers on understanding each client's unique needs to help them pursue and achieve their financial and life goals. Jayson holds the Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA) designations. He earned a bachelor's degree from the University of Hartford. His experience includes advising on multi-generational and philanthropic needs, which complements his involvement in the nonprofit sector. Jayson is a 25-year member of the Rotary Club of Pittsfield and a Paul Harris Fellow. He serves on the board of the Berkshire Humane Society and has previously served on boards of several local organizations. Residing in Pittsfield with his wife and two daughters, Jayson enjoys golfing and playing hockey. He maintains a commitment to community participation consistent with Merrill’s tradition of service.

Gregory Manning is a financial advisor with Charles Schwab in Albany, NY, holding Series 63 and Series 65 credentials and 33 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2008. Outside of his advisory role, he performs voice-over work for radio advertising with Sames Media Group. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

William Braat is a financial advisor at Merrill with three years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2017 and Bank of America, N.A. since 2023. Prior to his financial services career, he was employed at Enterprise Holdings from 2014 to 2017. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.