Katherine Spratt is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 11 years of industry experience. Her prior experience includes roles at Janney Montgomery Scott LLC, Merrill, and The Ayco Company, L.P./Mercer Allied. 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, and institutional platforms, supported by a large network of investment adviser representatives.

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 42 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Merrill since 1988 and Bank of America, N.A. since 2009. Merrill, together 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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 in Albany, NY, holding a Series 66 designation and one year of industry experience. Prior to joining LPL, he held positions in hospitality and education, including roles at BBL Hospitality, St John Fisher University, and Averill Park Central School District. 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 financial planning and asset management services, supported by extensive advisory tools and a broad network of over 22,800 advisors.

Jack Miller is a financial advisor at Equitable Advisors with a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, he held various roles in education, retail, and small business sectors. Outside of advising, his background includes work in community-focused and entrepreneurial activities. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides financial planning, retirement plan consulting, and asset management through a network of advisors, utilizing both proprietary programs and third-party asset managers.

Kenneth Woods is a financial advisor with Fidelity Investments, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has been with various Fidelity entities since 2007, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. Fidelity's Strategic Advisers LLC, where Mr. Woods works, provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its advisory roles to multiple registered investment companies and its use of systematic methodologies and AI in portfolio management.

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. She has been with Merrill since 2004 and holds the Series 63 and Series 66 designations. Outside of her advisory role, she serves as a trustee for a family trust in Albany, New York. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

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, holding Series 63 and Series 66 credentials and seven years of industry experience. He has worked at firms including Cadaret, Grant & Co., Inc., Northwestern Mutual, and R.J. McNamara Financial. Manne is involved with R.J. McNamara Financial in a non-variable insurance capacity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, offering access to model portfolios, third-party asset managers, and institutional platforms, supported by technology tools for research and operations.

Austin Deskewicz is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and four years of industry experience. Prior to joining LPL Financial in 2022, he held various roles including positions in hospitality and lacrosse organizations over a ten-year period. He serves as an assistant lacrosse coach at Albany Academy and works as a lacrosse coach outside of his advisory role. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by advanced operational tools.

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 previously worked at UBS Financial Services and Cadaret, Grant & Co., Inc. since 2004. Bell has operated Bell Financial LLC since 2005, which includes tax preparation and accounting services alongside his advisory work. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services utilizing model portfolios, third-party subadvisors, and customized strategies, supported by extensive operational tools and a diversified platform that includes insurance and credit services.

Robert Mc Queen is a Series 66-registered financial advisor with LPL Financial, based in Clifton Park, NY, with six years of industry experience. Prior to joining LPL Financial in 2020, he spent 27 years at SI Group, Inc. He serves as a trustee for a family trust and is a board member of The Wright Family Foundation Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions through a large network of advisors and utilizes various model portfolios and third-party strategies.

Mark Felice is a financial advisor with LPL Financial in Albany, NY, holding Series 63 and Series 66 licenses and four years of industry experience. Prior to joining LPL Financial in 2025, he worked at Nationwide Investment Services Corporation and JPMorgan Chase Bank. Outside of his advisory role, he owns a cleaning business, Meet the Mark Cleaning LLC, and is a notary. 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 financial planning and investment management solutions supported by advisor-facing tools and access to multiple asset management strategies.

James Merrill is a financial advisor at Edward Jones with 25 years of industry experience. He has been with Edward Jones since 2000 and holds Series 63 and Series 66 licenses. Outside of his advisory role, he is involved in maintaining a commercial real estate property in Albany, NY. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.