Thomas Brown is a CFP® with 39 years of industry experience, currently affiliated with LPL Financial and Pioneer Bank since 2025. He has previously worked at Brown Financial Management Group and Cambridge Investment Research, Inc. Outside of his advisory career, Brown manages a farm business, Brown Farms LLC. 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, retirement plan consulting, brokerage services, and utilizes both discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

Brenda Delaney is a financial advisor at Primerica Advisors with 13 years of industry experience. She holds a Series 63 designation and has worked with PFS Investments Inc. since 2012, NSA since 2007, and Primerica Financial Services since 2002. In addition to her advisory role, she is involved in the sale of non-investment products including loan products and home security services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, operating under a tiered wrap fee structure.

Kathryn Gates is a financial advisor at LPL Financial with 22 years of industry experience. She holds the Series 63 and Series 66 designations and has previously worked at firms including Merrill, Morgan Stanley Private Bank, and Janney Montgomery Scott. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by in-house and third-party research, along with various management and portfolio options.

Eric Wendling is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. His prior roles include positions at Bank of America, Merrill, and Ayco. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process 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.

Rodney White is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds Series 65, Series 66, and Series 63 licenses. His prior experience includes roles at Charles Schwab Investment Advisory, Inc. and ThomasPartners, Inc. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning services supported by structured discovery and advanced planning tools.

Mark Esslie is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 25 years of industry experience. He has worked at Cetera since 2019 and previously at Foresters Advisory Services LLC and Foresters Financial Services. Esslie is a board member for Averil Park Community Team, Inc., contributing organizational input. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services with multiple program options, utilizing both affiliated and third-party managers.

Nicholas Hanna is a financial advisor with LPL Financial and holds a Series 66 designation. He has one year of industry experience and a varied background including roles at Broadview Federal Credit Union and Galway Central School District. He is also a licensed relationship banker and notary at Broadview Federal Credit Union. 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 plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Brian Tramontano is a financial advisor with LPL Financial in Albany, NY, holding the Series 63 designation and 15 years of industry experience. He previously worked at Cap Com Financial for nine years before returning to LPL Financial in 2021. 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. The firm offers financial planning, multiple advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options supported by proprietary and third-party research.

Tristin Hotaling is a financial advisor with Ameriprise in Ballston Lake, NY, holding a Series 66 credential and 23 years of industry experience. She has been with Ameriprise and its affiliated entities since 2014. Outside of her advisory role, she teaches outdoor and studio yoga classes seasonally. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations.

Dylan Sprague is a Planning Consultant at Fidelity Investments, a position he has held since 2025. In this role, he focuses on assisting individuals, families, and businesses in making informed decisions to support their long-term financial goals. Prior to joining Fidelity Investments, Dylan worked as a Financial Coach at Goldman Sachs Ayco from 2020 to 2025. Throughout his career, Dylan has specialized in financial planning and coaching, helping clients navigate complex financial situations with clarity and confidence. His approach emphasizes simplifying financial concepts to enable better decision-making. Outside of his professional responsibilities, Dylan enjoys engaging in activities such as baseball, boating, football, golf, spending time with family, and caring for pets.

Adam Neary is a financial advisor with LPL Financial in Albany, NY, holding a Series 66 designation and 22 years of industry experience. He has been associated with WealthOne, LLC since 2011 and LPL Financial since 2016, with additional experience managing his own advisory entities. Outside of his advisory roles, he is involved with WP Strategic Holding, LLC, a non-investment related business. LPL Financial serves a wide range of clients including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers comprehensive financial planning, advisory programs, retirement plan consulting, and brokerage services, with access to model portfolios and research from various sources.

Brian Lotito is a Senior Financial Advisor with Merrill Private Wealth Management. He leads the downstream efforts for Private Executive Services, coordinating between the corporate relationship management team and downstream partners both locally and nationally. In this role, Brian collaborates with Merrill Private Wealth Management and Merrill Lynch Wealth Management to delegate appropriate coverage for Plan Participants and provide education to key employees on integrating their benefit programs within their overall financial plans. Brian began his career at Merrill in 2003 and has held various positions including Client Associate, Financial Planner, and Financial Advisor, with a focus on Banking and Lending. He has also served as a Custom Credit Executive and contributed to the Cross-Organizational Client Coverage Group to enhance collaboration between Investment Banking and Wealth Management. Brian holds Series 7 and 66 FINRA registrations, as well as a New York State Insurance License, and has earned professional designations as an Equity Plan Consultant (EPC) and Personal Investment Advisor (PIA). Brian earned both his Bachelor's degree in Political Science and his Master’s degree in Professional Studies with an Advanced Graduate Certificate in Human Resource Management from Stony Brook University. Raised in Queens, New York, he currently lives in Upstate New York with his wife and two children. Outside of work, Brian enjoys coaching youth sports, spending time at the beach, and playing the guitar.

Ryan Chenot is a financial advisor with LPL Financial in Albany, NY, holding Series 63 and Series 66 licenses and having 11 years of industry experience. He has worked at LPL Financial since 2019 and has been associated with Capital Communications Federal Credit Union since 2009. 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 financial planning, various advisory programs, retirement plan consulting, and brokerage services, with discretionary and non-discretionary management supported by research and technology-driven strategies.

Eli Goodman is a Financial Consultant currently working at Fidelity Investments since 2021. Prior to this role, he served as a Financial Advisor at Merrill Lynch from 2019 to 2021 and as a Financial Planner at The AYCO Company from 2008 to 2019. Throughout his career, Eli has focused on developing customized financial plans tailored to the unique needs of his clients and their families. He emphasizes forming strong relationships with clients to maintain trust and open communication, aiming to understand and support their most important financial goals. Outside of his professional work, Eli has personal interests in baseball and fitness.

Zachery Freire is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been serving clients since July 2018. As a partner on The H Group, he focuses on assisting business owners, executives, and first-generation wealth creators, particularly in the Capital Region and Greater New York City area. Zachery brings his experience as a U.S. Army Veteran to his professional practice, contributing to his approach to wealth management. His expertise includes corporate benefits, executive compensation, equity compensation services, family wealth management strategies, liquidity management, philanthropic planning, portfolio management services, tax minimization, and retirement income planning. Zachery emphasizes a thorough analysis of a family's financial assets and collaborates with private bankers, mortgage loan officers, and estate planning specialists to provide comprehensive wealth management solutions. Zachery holds a Bachelor's degree from St. Lawrence University and has earned multiple professional designations, including Certified Exit Planning Advisor (CEPA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is actively involved with the Veteran Connect Center, reflecting his commitment to community involvement and service.

Brian Mohan is a Wealth Management Advisor at Merrill Lynch Wealth Management. Since joining the firm in 2017, he has provided financial advice customized for individuals, families, and business owners. His approach emphasizes understanding clients' short and long-term financial objectives and delivering responsible service tailored to their personal and professional priorities. Brian’s expertise spans multiple domains, including divorce transition planning, equity compensation services, family wealth management strategies, legacy and philanthropic planning, as well as investment consulting for defined contribution plans. He holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification, the CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) designation, Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC) credentials. Brian earned his bachelor's degree in Finance from Siena College. Outside of his professional work, Brian and his wife live in Clifton Park, NY with their three children. He has been actively involved in his community, including serving as a past board member for The First Tee of NY’s Capital Region. His personal interests include biking, golfing, ice hockey, skiing, and spending time with his family.

Shelley Bullock is a financial advisor with LPL Financial in Latham, NY, holding a Series 63 designation and 14 years of industry experience. She has worked at LPL Financial since 2018 and previously held roles at Equity Services, Inc. and NPA Financial, LLC. Outside of her advisory role, Bullock is involved with several related business activities including roles at Advisors Insurance Brokers and Zapp Insurance, LLC. 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, supported by research and model portfolios, and also provides insurance products and lending solutions alongside its advisory services.

Michael Sleasman is a CFP® certified financial advisor with 20 years of industry experience. He currently works at OSAIC since 2024 and previously held roles at American Portfolios Financial Services Inc. and Halliday Financial, LLC. In addition to his advisory career, Sleasman serves as a lieutenant and EMT with the City of Albany Fire Department, a position he has held since 2015. He also serves as a board member of the NY Bravest Federal Credit Union. OSAIC serves a diverse range of retail and institutional clients, offering integrated brokerage and investment advisory services through a large network of affiliated advisers. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary portfolios that may include a broad array of investment vehicles.

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.