Mc Kenna Ryan is a financial advisor at Mass Mutual Investors Services with a Series 66 designation and one year of industry experience. Prior to joining Mass Mutual in 2025, Ryan worked at Goldman Sachs and held various roles in hospitality and retail. Outside of financial advising, Ryan works as a bartender and server at The Bunker and as a banquet server at the New York State Executive Mansion. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, ongoing planning engagements using firm-approved tools and emphasizes investment categories and strategies rather than specific product selections.

Rene Farrington is a CFP® professional with 23 years of industry experience, currently affiliated with LPL Financial since 2020. Prior to joining LPL, he worked for Cambridge Investment Research Advisors and Cambridge Investment Research from 2012 to 2020. Outside of his advisory work, he is an orchard owner in Schoharie, NY. 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, and provides access to model portfolios, research, and various investment strategies.

Joseph Lindner is a CFP®-designated financial advisor with LPL Financial in Clifton Park, NY, bringing 22 years of industry experience. He has worked at LPL Financial since 2016 and also maintains a role at Pioneer Bank. Outside of his advisory work, he is a part owner of a not-for-profit hunting club. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients including individuals, retirement plans, and institutions. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services through a nationwide network of investment adviser representatives.

Katherine Spratt is a financial advisor with LPL Financial in Latham, NY, holding Series 63 and Series 66 credentials and 11 years of industry experience. Her prior roles include positions at Janney Montgomery Scott LLC and Merrill. 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 provides a range of advisory programs and financial planning services, offering both discretionary and non-discretionary management with access to model portfolios and research from various sources.

Melisa Boel is a Financial Advisor with Merrill Lynch Wealth Management. She focuses on connecting clients to tailored plans and processes that align with their unique financial ambitions. Her work includes helping clients plan for funding children’s education, retirement lifestyle and potential healthcare expenses, as well as creating personalized strategies to achieve long-term family goals. Melisa emphasizes simplicity and transparency in wealth planning to make the investment process manageable and goal-oriented. Her client focus areas encompass corporate benefits, executive services, divorce transition planning, employee benefits planning, executive compensation, equity compensation services, family wealth management strategies, institutional and corporate benefit services, personal retirement planning, and portfolio management services. Melisa is committed to addressing each client’s personal perspectives and priorities to deliver disciplined and customized wealth strategies. Melisa holds a Bachelor’s degree from Bowdoin College and has earned the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations.

James O'Connor is a financial advisor at Merrill with 41 years of industry experience. He holds Series 63 and Series 65 designations. His career includes roles at Merrill since 1988 and Bank of America, N.A. since 2009. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm operates within Bank of America’s broader platform, which includes access to swaps, derivatives, lending, and custody services.

Douglas Moynihan is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over three decades of experience in the financial services industry. His professional focus includes services for endowments, foundations, and non-profits, legacy planning, personal retirement planning, portfolio management, women and wealth, and retirement income. Douglas works closely with successful professionals and business owners to help them achieve a work-optional lifestyle, secure their family legacy, and approach the future with confidence. Douglas holds a Bachelor of Science degree in Finance and Economics from Western New England University. He maintains several professional designations and licenses, including the Series 7 and 63 Licenses, Life and Health Insurance, CERTIFIED FINANCIAL PLANNER® (CFP), and Personal Investment Advisor (PIA). Raised and based in Upstate New York, he integrates his community knowledge into his advisory practice to provide tailored financial guidance. Outside of his professional role, Douglas resides in Charlton, New York with his wife and three children. His personal interests include biking, billiards, boating, cooking, fishing, golfing, and ice hockey. He is active in the community through volunteering with Schenectady Youth Hockey and coaching a youth trap shooting team. Douglas is also a member of the Glenville Fish and Game Club.

Nicole Leonard is a Wealth Management Advisor with over 33 years of experience in the financial services industry. She began her career with Citigroup in 1993 and later joined Fleet Bank/Quick & Reilly in Upstate New York in 1999, which became part of Bank of America through acquisition. Currently, Nicole leverages the combined resources of Bank of America and Merrill to assist clients with a wide range of financial needs, including estate planning. She specializes in areas such as college education planning, family wealth management strategies, legacy planning, personal retirement planning, portfolio management services, women and wealth, and retirement income. Nicole is committed to helping clients define their financial goals and develop strategies to achieve them while navigating the abundance of financial information available. She often collaborates with firm specialists to provide expert guidance on wealth transfer maximization, family protection, income replacement, cash management strategies, and credit strategies. Nicole holds a Personal Investment Advisor (PIA) designation and earned her bachelor's degree from the State University of New York at Albany. Outside of her professional role, Nicole and her husband, Mike, are raising three children in Saratoga Springs. She volunteers in her community, having served as President of the Lake Avenue Elementary PTA Executive Board and participating in booster clubs and national charity organizations including the American Heart Association. Her personal interests include skiing, hiking, reading, photography, scrapbooking, traveling, spending time with her family, and watching movies.

Lilien Woolbert is a financial advisor at Fidelity with Series 63 and Series 65 licenses and two years of industry experience. Prior to joining Fidelity, Lilien worked at Trustco Bank and has a diverse background including roles in homemaking and managing a pet-related business. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and systematic portfolio construction across mutual funds, ETFs, and ETPs.

Joseph Milanese Jr. is a financial advisor with LPL Financial, holding a Series 66 designation and one year of industry experience. His background includes roles at Albany Financial Group and prior experience in hospitality and education sectors. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services through a national network of investment adviser representatives.

Kenneth Woods is a financial advisor at Fidelity with 26 years of industry experience. He holds Series 63 and Series 66 designations and has worked within various Fidelity entities since 2007. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage investments.

Douglas Kelly is a financial advisor with Ameriprise in Latham, NY, holding a Series 66 designation and five years of industry experience. Prior to Ameriprise, he worked at ePlus Technology Inc. and Systems Management Planning, Inc. Kelly is also involved in outside financial planning and advisory activities through IFSE, LLC. Ameriprise Financial Services is a diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Amanda Kowalski is a financial advisor at Merrill with 24 years of industry experience, including 22 years at Merrill. She holds Series 63 and Series 66 designations. Outside of her advisory role, she serves as a trustee for a private trust entity in Albany, New York. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, pension plans, and charitable organizations. The firm integrates with Bank of America’s broader platform, providing access to a wide range of investment products and services.

Frederick Disbrow is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds the Series 66 designation and has worked at J.P. Morgan Chase Bank, N.A. and Citizens Securities, Inc. prior to his current role. Based in Albany, NY, he has been with J.P. Morgan since 2021. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Edward Kitchell is a financial advisor with Primerica Advisors in Saratoga Springs, NY, holding a Series 63 designation and 25 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2000 and owns Kitchell & Associates, Inc., through which he is involved in sales of investment-related and other home-related products. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and a limited number of separately managed account options primarily for individual and high-net-worth clients. The firm uses a tiered wrap-fee structure and curates third-party asset managers to implement its investment models.

James LaCour is a Financial Consultant at Fidelity Investments, a role he has held since 2025. He has been with Fidelity Investments since 2022, progressing through various consultant positions including Planning Consultant and Investment Consultant. Prior to Fidelity, James served as a Registered Representative at Equity Services, Inc and as a Financial Advisor at Thoroughbred Advisors from 2020 to 2022. James empowers clients to make informed financial decisions by engaging them through a structured three-step process that includes personal and professional understanding, collaborative planning, and tailored recommendations. His approach emphasizes client confidence in their financial plans. In his personal time, James enjoys board games, family activities, golf, painting, parenthood, and caring for pets.

John Manne II is a financial advisor with LPL Financial based in Latham, NY. He holds Series 63 and Series 66 licenses and has seven years of industry experience. His prior work includes roles at Cadaret, Grant & Co., Inc., Northwestern Mutual, and R.J. McNamara Financial. 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 with discretionary and non-discretionary management, supported by research from LPL Research and third-party subadvisors.

Austin Deskewicz is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and four years of industry experience. Prior to joining LPL Financial in 2022, he worked in the hospitality and sports sectors for ten years. Deskewicz coaches lacrosse with roles at Albany Academy and other local organizations. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers comprehensive financial planning and advisory programs, providing both discretionary and non-discretionary management supported by extensive research and technology resources.

Derek Bell is a financial advisor at LPL Financial with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has been involved with Bell Financial LLC and Cadaret, Grant & Co., Inc. for over 20 years. Outside of his advisory role, he manages tax preparation and accounting services through Bell Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing discretionary and non-discretionary management supported by research and technology tools.

Robert Mc Queen is a Series 66-licensed financial advisor with LPL Financial, based in Clifton Park, NY, and has six years of industry experience. Prior to joining LPL Financial in 2020, he worked for SI Group, Inc. for 27 years. He serves as a trustee to a family trust and is a board member of The Wright Family Foundation Inc. 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 provides financial planning, advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary portfolio management supported by LPL Research and third-party subadvisors.