Steven Warren is a Series 66 licensed financial advisor with five years of industry experience. He is currently with Thrivent Investment Management and has prior experience at The Vanguard Group. Warren serves on the board of directors for the Joan Nicole Prince Home, a nonprofit providing bedside care to terminally ill individuals. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, providing goal-based analyses and written recommendations across various financial planning areas without discretionary trading authority. The firm’s approach integrates planning with managed-account options under a consolidated billing system, delivered through a network of financial advisors.

Matthew Tarullo is a financial advisor with Cetera, holding Series 63 and Series 65 designations and having 10 years of industry experience. He has worked at Cetera and its affiliated entities since 2019 and previously was with Foresters Financial Services for four years. Outside of his advisory work, Tarullo is a physical education teacher at CSD Highschool. Cetera Investment Advisers LLC is an SEC-registered firm that serves 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, utilizing a multi-manager platform with both affiliated and third-party managers, and manages assets totaling over $256 billion.

Michael Mareno is a financial advisor with LPL Financial, holding a Series 63 designation and bringing eight years of industry experience. Prior to joining LPL Financial in 2025, he worked at Cadaret, Grant & Co., Inc. from 2017 to 2025. Outside of his advisory role, Mareno owns several businesses including Rocsan Recovery Inc. and operates a tax preparation and accounting service. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management along with model portfolios and research from multiple sources.

Casey Mirabile is a financial advisor at LPL Financial with five years of industry experience. He holds Series 65 and Series 63 credentials. Prior to joining LPL Financial in 2025, he worked at UBS Financial Services for five years and has experience in the technology and banking sectors. LPL Financial is a national 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 and financial planning services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Jeffrey Ricchiuti is a CFP® with 10 years of industry experience, currently affiliated with LPL Financial in Albany, NY. His prior roles include seven years at Direct Advisors, LLC. He also serves as Director of Advisory Operations at Broadview Federal Credit Union. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers financial planning, advisory programs, and retirement plan consulting, providing both discretionary and non-discretionary management along with access to model portfolios and research.

John Fiorita is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. He holds a Series 66 designation and previously worked at Bank of America and Merrill. Outside of his advisory role, he coaches a travel league Babe Ruth Little League team in Delmar, NY. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s IPS-driven approach incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Daniel Miller is a financial advisor with Ameriprise in Latham, NY, holding a Series 63 designation and 11 years of industry experience. His career includes roles at Ameriprise Financial Services, MassMutual, and MetLife Empire Group. He serves on the Board of Directors for the Ronald McDonald House of the Capital District. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm delivers these recommendations through a centralized consulting team in partnership with financial advisors and emphasizes assets held in Ameriprise Managed Accounts.

Christopher Davison is a financial advisor with LPL Financial, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Clarkson University and the State University of New York at Canton. He is involved with Empire Financial Advisors, a DBA for his LPL business, and also dedicates time to an investment-related activity involving non-variable insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and diverse investment strategies.

George Owusu is a financial advisor at Charles Schwab with Series 63 and Series 66 credentials and two years of industry experience. His prior roles include positions at Northwestern Mutual and KeyBank. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary advisory guidance and access to discretionary SMAs, leveraging multi-asset model portfolios and a centralized operational structure.

Anthony Russo is a financial advisor at Morgan Stanley with 21 years of industry experience. He holds the ChFC® designation along with Series 63, 65, and 66 licenses. Prior to joining Morgan Stanley, Russo worked at Bank of America, Merrill, and Wells Fargo Advisors. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and financial planning services supported by structured discovery processes and firm-approved tools.

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 with Merrill in Clifton Park, NY, holding Series 63 and Series 66 designations and 29 years of industry experience. She has been with Merrill since 2005. 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 and profit-sharing plans, corporations, and charitable organizations.

Matteo Curto is a Financial Advisor affiliated with Merrill Lynch Wealth Management. Raised in New York's capital region within a second-generation Italian American family, Matteo spent his early years working in his family's restaurant in Lake George. His experiences observing the challenges faced by small business owners and real estate investors influenced his career path towards financial advising. Matteo holds a Bachelor's Degree in Finance from Siena College, with a minor in Entrepreneurship and a concentration in Real Estate Investing. He offers expertise in areas including legacy planning, liquidity management, portfolio management, small business strategies, socially responsible investing, tax minimization, and retirement income. He is dedicated to empowering investors to diversify their portfolios, particularly guiding real estate investors and small business owners to integrate market investments with their core endeavors for sustainable growth. Outside of his professional work, Matteo enjoys football, golfing, reading, soccer, spending time with his family, and traveling. He holds the Personal Investment Advisor (PIA) designation.

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.