Thomas Dwyer Jr. is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 designations and bringing 27 years of industry experience. He has worked with Morgan Stanley since 2009 and has been affiliated with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients through a variety of advisory programs. The firm’s financial planning process uses structured discovery conversations and approved planning tools to create tailored plans, managing approximately $2.74 trillion in client assets.

Kimberly Bullis Rauh is a Series 66-licensed financial advisor with RBC Capital Markets, based in Albany, NY, and has 25 years of industry experience. She has been with RBC Capital Markets since 2010. Outside of her advisory role, she holds elected positions in local school PTAs, supporting fundraising and event coordination. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with a range of advisory programs that include discretionary and non-discretionary portfolio management, financial planning, and brokerage services. The firm customizes investment strategies based on client risk profiles and leverages in-house and third-party managers, providing access to alternative investments and integrated capital markets capabilities.

Michelle Lyman is a financial advisor with LPL Financial in Latham, NY, holding a Series 63 designation and 21 years of industry experience. Her prior roles include positions at Cadaret, Grant & Co., Pioneer Bank, and Anchor Agency. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Paula Aveni is a financial advisor at LPL Financial with 20 years of industry experience. She holds Series 63 and Series 65 credentials. Her background includes roles at Hudson Valley Credit Union, Broadview Federal Credit Union, Citizens Securities, Inc., and Citizens Bank. She serves on the board of Puppy Kitty NYC, a nonprofit organization. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides financial planning and investment advisory services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of portfolio management solutions and uses various operational tools to support its network of over 22,800 advisors.

Adam Jones is a financial advisor with Cetera, holding Series 63 and Series 65 designations and eight years of industry experience. He has worked at Cetera since 2019 and previously at Foresters Financial Services and FirstLight Fiber. Outside of advising, he coaches baseball and softball. Cetera Investment Advisers LLC is an SEC-registered firm that provides a range of portfolio management and financial planning services to individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers multiple investment program options and access to third-party managers, managing over $256 billion in assets.

Kyle Mastrianni is a financial advisor at Charles Schwab with eight years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at firms including Fidelity Investments, J.P. Morgan Securities LLC, and Purshe Kaplan Sterling Investments. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of wrap fee advisory, brokerage, custody, and financial planning services. The firm’s investment approach includes non-discretionary client relationships supported by model portfolios and access to affiliated discretionary separately managed accounts.

Mary Anthony is a financial advisor at Merrill with Series 63 and Series 65 designations and 39 years of industry experience. She has been with Merrill since 2014. Merrill, along 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, pension plans, corporations, and charitable organizations.

Davis Moeckel is a financial advisor at Cetera with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked with several firms, including Empire Asset Management Group and CCR Wealth Management. Outside of his advisory role, he operates an office cleaning service. Cetera Investment Advisers LLC is an SEC-registered firm that serves a wide range of clients through a nationwide network of independent advisors, offering various portfolio management, financial planning, and retirement services across multiple program structures.

Mark Caropreso is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009. Prior to that, he was with Citigroup Global Markets starting in 1993. Outside of his advisory role, he is the sole proprietor of two investment-related businesses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a broad range of advisory programs supported by structured planning tools and research from its Global Investment Committee.

Alyssa Hicks is a financial advisor with Primerica Advisors in Clifton Park, NY, holding a Series 63 designation and over 25 years of industry experience. Her work history includes roles at PFS Investments Inc. and Primerica Financial Services since 1999, as well as positions at McKenna & Franck PC and Lynch Lovell. Outside of her advisory role, she is the owner and president of a delivery service business and a consultant for health and wellness products. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap-fee structure for its services.

Thomas Tesar is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and seven years of industry experience. He has worked with PFS Investments Inc. since 2018 and has additional experience at Primerica Financial Services and BrandXads. Outside his advisory role, he is involved in sales of loan products, home security, automation, and other home-related services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm’s program utilizes model-delivery strategies managed by unaffiliated asset managers and offers limited discretionary separately managed account options.

Paul Michaels is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his financial services career in 2008 at Susquehanna International Group before joining Merrill Lynch in 2012. Paul serves clients with diverse financial needs, focusing on retirement planning and wealth management, including areas such as corporate benefits, family wealth strategies, legacy planning, liquidity management, and socially responsible investing. Paul holds the Chartered Retirement Planning Counselor (CRPC) and Accredited Asset Management Specialist (AAMS) designations from the College for Financial Planning. He is a graduate of the University of Connecticut. Paul is part of the Tellstone Sullivan Michaels Wealth Management Group, which provides personalized wealth management services to clients including physicians, business owners, executives, and multiple generations. The team emphasizes a holistic, forward-looking approach to wealth management and client service. Outside of his professional role, Paul and his wife Rachel are raising a family in Saratoga. He is involved in community activities such as serving on a committee for ALS Center fundraising. Paul also enjoys adventure sports, baseball, basketball, boxing, football, golfing, ice hockey, reading, running, and spending time with his family.

John Daley is a financial advisor at OSAIC with 27 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at UBS Financial Services from 2004 to 2009. Outside of his advisory role, he is involved in book publishing and sales, including ownership of BBD Publishing and Retire a Winner, and he holds interests in green energy distribution through Aqua Gen LLC. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and nonprofits, offering a range of services from brokerage and advisory to financial planning and managed portfolios. The firm utilizes various asset-allocation tools and supports multiple platform programs and third-party solutions for portfolio management.

David O Connell is a financial advisor at Mass Mutual Investors Services with 11 years of industry experience. He holds the Series 63 designation and has been with Mass Mutual and its affiliated companies since 2016. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, employing technology-driven analysis to support collaborative, annual financial planning engagements.

Brandon Bogardus is a CFP® professional with 10 years of experience, currently serving clients at Edward Jones since 2016. He holds the Series 66 license and is based in Clifton Park, NY. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs and access to separately managed accounts, operating under a fiduciary standard.

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.

Michael Di Fabio is a Series 66 licensed financial advisor with Edward Jones in Latham, NY, where he has worked since 2020. He has five years of industry experience, including prior roles at Sherwin Williams and David Phillips CPA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of more than 23,700 financial advisors.

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 in Latham, NY, holding Series 65 and Series 66 licenses and 17 years of industry experience. He has been with Equitable Advisors for a total of 15 years, including prior tenure from 2009 to 2013, and also worked five years at Axa Advisors LLC. He serves as Treasurer and Board Member of the West Albany Athletic Association. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm utilizes a range of advisory program models and third-party asset managers, delivering services through a large network of Investment Adviser Representatives.