Chelsea Whiteman is a financial advisor at Cetera with 14 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Cetera and Foresters Financial in various capacities since 2012. She also conducts biannual adult education workshops on Social Security without compensation. Cetera Investment Advisers LLC is an SEC-registered firm serving 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 both discretionary and non-discretionary program options.

Sean Moloney is a Wealth Management Advisor with Merrill Lynch Wealth Management, a tenure that began with its predecessors in 1994. He specializes in providing clients with individually tailored wealth and investment management strategies aimed at helping them realize their personal life goals. His approach includes attention to asset allocation, market capture, and risk-adjusted returns, with services encompassing portfolio development, liability management, tax minimization, legacy planning, and asset preservation. Sean holds a Bachelor of Science degree in Finance from St. John's University, earned in 1991. He has obtained several professional designations including Accredited Asset Management Specialist (AAMS), Certified Exit Planning Advisor (CEPA), and Personal Investment Advisor (PIA). He also maintains Series 7, 63, 65 FINRA registrations as well as Life and Health licenses. In addition to his professional work, Sean is involved with several community organizations such as Alight, the American Diabetes Association, American Heart Association, Bethlehem YMCA Advisory Board, Girls Inc., and Interfaith Partnership of the Homeless. He resides in Bethlehem, NY with his family.

April Wilson is a Series 66-licensed financial advisor with Morgan Stanley in Latham, NY, with seven years of industry experience. She has worked at Morgan Stanley Smith Barney LLC since 2017 and previously held positions at Key Investment Services LLC and HSBC Bank/First Niagara Bank/KeyBank. Outside of advisory work, she is involved in a manufacturing business, Awnpoint Awning LLC, and manages a rental property jointly owned with her husband. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm combines structured planning tools with investment insights from its Global Investment Committee and manages approximately $2.74 trillion in client assets.

Raffi Moroukian III is a financial advisor at LPL Financial in Albany, NY, holding Series 65 and Series 63 credentials with seven years of industry experience. His prior roles include positions at The Ayco Company, L.P./Mercer Allied and managing Moroukian Wealth Management Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, financial institutions, and charitable organizations. The firm offers a range of advisory programs, financial planning services, and access to model portfolios supported by proprietary and third-party research.

Katharine Charton is a financial advisor with LPL Financial in Albany, NY, holding Series 63 and Series 65 licenses and 11 years of industry experience. She has previously worked at Cambridge Investment Research, CETERA Advisor Networks, and Empire Asset Management Group. In addition to her advisory role, she operates a tax preparation and accounting service under her own name. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by research from LPL and third-party providers.

Matthew Clement is a financial advisor with LPL Financial in Troy, NY, holding a Series 66 designation and 12 years of industry experience. He has been with LPL Financial since 2014 and also has a longstanding role at Cap Com Federal Credit Union since 2010. Clement is a licensed Notary Public. 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, including discretionary and non-discretionary management, supported by proprietary and third-party research.

Carrie Benson is a Wealth Management Advisor and Vice President at Merrill Lynch Wealth Management. She began her financial services career in 2005 and joined Merrill Lynch Wealth Management in 2008. In her role, she assists clients in building comprehensive wealth management strategies tailored to their individual needs. Carrie has over 20 years of experience providing financial and wealth management advice and services. Her areas of focus include retirement planning, education planning, legacy planning, family wealth management strategies, investment consulting for defined contribution plans, employee financial health, socially responsible and values-based investing, tax minimization, and retirement income. She holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment (SE). Carrie earned a Bachelor's Degree from Providence College. Outside of her professional work, she enjoys camping, hiking, reading, and running.

Elizabeth Charron is a financial advisor at Merrill with 29 years of industry experience, including 21 years at Merrill. She holds the Series 63 and Series 66 licenses. 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 is integrated into Bank of America’s broader corporate platform, providing access to diverse products and services.

Joanne Avella is a financial advisor with Wells Fargo Clearing in Albany, NY, holding Series 63 and Series 65 designations and bringing 46 years of industry experience. She has worked with Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s approach 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.

William Selig is a financial advisor at LPL Financial with 16 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at firms including Securities America Advisors, Key Investment Services LLC, and KeyBank. 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 and services, including financial planning, retirement plan consulting, and brokerage services, with both discretionary and non-discretionary management options.

Adam Knaust is a financial advisor with LPL Financial based in Latham, NY, holding a Series 63 designation and 18 years of industry experience. He has been associated with Wealthone LLC and LPL Financial since 2016. Outside of his advisory role, he is involved with KNAUST GROUP LLC, a business entity established for tax and investment purposes. 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, model portfolios, and retirement plan consulting.

Zachary La Fave is a financial advisor at Mass Mutual Investors Services with three years of industry experience. He holds Series 63 and Series 65 credentials and has worked at MassMutual Life Insurance Co and New York Life Insurance Company. Outside of financial advising, he operates a tax preparation business and works as a bus driver for a local tour company. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, and charitable organizations. The firm offers financial planning, asset management, and educational seminars with an emphasis on collaborative, software-assisted goal analysis and tailored investment strategy recommendations.

Thomas Brockley is a financial advisor with RBC Capital Markets in Albany, NY, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He has been with RBC Capital Markets since 2010 and has also worked at City National Bank since 2016. Outside of finance, Brockley owns and actively manages a horse racing and breeding business, Brockley Stables, and owns a sports memorabilia company. He serves on the boards of the Albany Police Athletic League and Premiere Transportation Group. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, and charitable organizations. The firm offers multiple advisory programs featuring discretionary and non-discretionary portfolio management and financial planning, tailoring strategies to client risk profiles and utilizing both in-house and third-party investment managers.

Justin Staie is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 11 years of industry experience. He previously worked at Merrill for seven years and M&T Securities for one year before joining LPL Financial in 2021. 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 adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by proprietary research and third-party models.

Preetinder Bassi is a Series 66-credentialed financial advisor with Edward Jones, based in Clifton Park, NY. He has four years of industry experience, including prior roles at New York eHealth Collaborative and Maimonides Medical Center. Bassi has been with Edward Jones since 2021. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a wide range of investment strategies and fiduciary advisory services, supported by a large nationwide network of financial advisors and branch offices.

Jason Malmendier is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and bringing 21 years of industry experience. His career includes roles at MetLife Securities Inc. and MassMutual Life Insurance Co. Outside of his advisory work, he manages multiple rental properties in Schenectady, NY. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of programs including wrap and money-manager options, as well as educational seminars.

Daniel Polansky is a financial advisor at OSAIC with 21 years of industry experience. He holds a Series 66 designation and has previously worked at American Portfolios Financial Services, Inc., Wells Fargo Clearing, and Wells Fargo Advisors LLC. Polansky is also an insurance agent providing life and health insurance solutions through a sole proprietorship. OSAIC serves a broad mix of retail and institutional clients, offering integrated brokerage and investment advisory services supported by various advisory platforms and third-party managers. The firm employs asset-allocation tools and automated rebalancing to construct diversified portfolios across multiple asset classes.

Ryan Kasuba is a financial professional at Cetera with one year of industry experience. He holds a Series 66 designation and has previously worked at Equitable Advisors, LLC. Kasuba is also licensed to sell fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors, offering a range of portfolio management and financial planning services.

William Von Atzingen is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 10 years of industry experience. He has worked at Cetera since 2019 and previously held roles at Foresters Financial Services, Cave Mountain Brewing Company, Sunnyhill Resort, and New York State Parks and Recreation. Von Atzingen serves as a town board member and deputy town supervisor for the Town of Greenville. Cetera Investment Advisers LLC is an SEC-registered firm with over 10,000 advisors serving individual, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers and program options.

Robert Woodcock is a CFP® and ChFC® with 39 years of industry experience. He has been with Equitable Advisors since 1999, following a tenure at AXA Advisors, LLC. Outside of his advisory role, he is a partner at BRKLYN Equity LLC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.