Keith Mason is a financial advisor with Primerica Advisors in Delmar, NY, holding a Series 63 designation and 29 years of industry experience. His career includes roles at PFS Investments Inc. and Primerica Financial Services since 1996, with prior employment at Blue Rock Energy and Frito Lay. He is also involved in the sale of loan products and home-related services through affiliated Primerica companies. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, as well as corporate and charitable clients. The firm uses model-delivery investment strategies managed by unaffiliated asset managers and provides advisory services through a large network of financial advisors.

Stephanie Yurschak is a financial advisor at Cetera with four years of industry experience. She holds the Series 63 and Series 65 licenses. Prior to joining Cetera in 2025, she worked at Primerica Advisors and Primerica Financial Services. Outside of advisory work, she has experience in the food service industry and currently works part-time as a server and bartender. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing both affiliated and third-party managers across various program structures and account types.

Mary Bigelow is a financial advisor at Fidelity with 25 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Strategic Advisors, Inc., Fidelity Brokerage Services LLC, and Fidelity Personal and Workplace Advisors during her career. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory services.

Julie Applegate is a financial advisor at Primerica Advisors with nine years of industry experience. She holds a Series 63 designation and has worked at Primerica Advisors since 2017, with prior experience at TJX Companies. Outside of advising, she is involved in sales of loan products and home-related services for Primerica Mortgage, LLC and affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options under a wrap-fee structure.

Bradley Bonfante is a financial advisor with LPL Financial in Albany, NY, holding a Series 63 license and 11 years of industry experience. His prior roles include positions at KeyBank and Key Investment Services. He is also involved with Advisors Insurance Brokers, where he dedicates part of his time to investment-related non-variable insurance activities. 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, third-party asset management, and institutional platforms.

Richard Anthony is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at Cetera and its affiliated entities since 2014 and previously at VOYA Financial Advisors. Outside of his advisory work, he coaches independent financial advisors through his business, Getting Results Coaching. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with both affiliated and third-party investment options.

Jamie Hanlon is a financial advisor at LPL Financial with 12 years of industry experience. He holds the Series 66 designation and has worked previously at Invest Financial Corporation and Edward Jones. Hanlon also serves as an agent for several non-variable insurance providers. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a broad range of services to individuals, retirement plans, banks, trust companies, and institutions. The firm provides financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with research tools and a variety of investment strategies.

Robert Scrivens is a CFP®-credentialed financial advisor with 19 years of industry experience. He has been with Mass Mutual Investors Services and MassMutual Life Insurance Co since 2011. Additionally, he is involved in individual and group life and health insurance sales. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides comprehensive financial planning, asset management, and educational seminars, utilizing firm-approved tools and structured, collaborative client relationships.

Joseph Turo is a financial advisor with LPL Financial, holding the Series 66 designation and 24 years of industry experience. He previously worked at Cambridge Investment Research Advisors and Cambridge Investment Research and has operated his own CPA practice since 1999. In addition to his advisory work, he serves as treasurer for a local political campaign. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, institutions, and banks through a large network of investment adviser representatives.

Andrew Jeffreys is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has worked since 2014. He specializes in retirement planning, tax minimization, estate planning, and assisting business owners with 401(k) plans. Drew works closely with clients to evaluate trust documents and their overall financial situations, including both assets and liabilities, as part of a comprehensive wealth management strategy. Raised by a Certified Public Accountant, Drew brings a practical approach to optimizing wealth, focusing on thoughtful guidance tailored to hardworking clients. He collaborates with his team to provide services that address the unique needs of active and retired business owners, medical professionals, and others, emphasizing careful consideration of the long-term impacts of financial decisions on clients' families and futures. Drew holds a Bachelor of Science degree in Finance from Siena College. Outside of his professional work, he enjoys playing golf, skiing, traveling, and spending time with family and friends. He is also an avid supporter of Siena basketball and his family's horse racing activities at Saratoga Race Course.

Olivia Brownell is a Financial Consultant at Fidelity Investments, where she currently works to design personalized financial plans that support clients' goals throughout various stages of life. She has held several roles within Fidelity Investments since 2022, including Investment Consultant, Workplace Planning Consultant, and Workplace Planning Associate, gaining a breadth of experience in financial advisory and workplace planning services. Beginning her tenure at Fidelity Investments in 2022 as a Workplace Planning Associate, Olivia progressed through positions that have broadened her expertise in investment consulting and financial planning. Her experience at Fidelity reflects a consistent focus on providing clients with clear and tailored financial strategies. Outside of her professional role, Olivia engages in family activities, fitness, military service, music, outdoor adventures, and traveling.

Karl Seitz is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 41 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, Seitz owns racehorses and is involved in horse racing activities. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options, which distinguishes it among large institutional advisers.

Maria Natarelli is a CFP® and holds a Series 66 license, currently serving as a financial advisor at Ameriprise with 17 years of industry experience. She has been with Ameriprise and its affiliated entities since 2007. Outside of her advisory role, she is involved in leadership and management activities within her office and serves on the boards of the Financial Planning Association of Northeastern New York and the Foundation for Ellis Medicine. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement who meet specific asset thresholds, offering tailored recommendations on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic tools to support its advisory process, with an emphasis on assets held in Ameriprise managed accounts.

James Lennon is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has worked at 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 discretionary and non-discretionary investment advice. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options, such as insurance-related vehicles and bank deposit sweep programs.

Stacey Colao Gardner is a financial advisor with RBC Capital Markets, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. She previously worked at UBS Financial Services for nine years before joining RBC in 2024. Outside of finance, she has involvement in the catering and event service industry, specifically providing waitressing and event support for weddings. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with tailored portfolio management strategies that incorporate both in-house and third-party investment managers and provide options such as tax management and responsible investing.

Daniel O'Keefe is a financial advisor with LPL Financial in Albany, NY, holding CFP® and CFA® designations and bringing 16 years of industry experience. He has been with LPL Financial and WealthOne LLC since 2016 and previously worked at VOYA Financial Advisors and Equitable Advisors. Outside of his advisory roles, he is a 10% owner of The Neary Group LLC, a business entity for tax and investment purposes. 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, third-party asset management, and institutional platforms, supported by technology and a large network of over 22,800 advisors.

Nathaniel Greenwood is a financial advisor at Cetera with a Series 66 designation. He has one year of industry experience and previously worked in retail and educational settings. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, supporting both discretionary and non-discretionary program structures.

Natalie Hart Shepperly is a financial advisor with UBS Financial Services and holds a Series 66 designation. She has eight years of industry experience with prior roles at Bank of America, Merrill, Fidelity Brokerage Services, and Brown Brothers Harriman. Outside of her advisory work, she serves as a golf coach for a high school team at The Albany Academies. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and proprietary research to tailor investment plans.

Mark Hulbert is a financial advisor with Equitable Advisors in Latham, NY, holding the ChFC® designation and Series 63 and 65 licenses. He has 37 years of industry experience, including 27 years with Equitable Advisors and prior work with Axa Advisors. Hulbert serves as a board member of Christian Brothers Academy. Equitable Advisors provides financial planning, retirement consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm employs a range of advisory programs and third-party asset managers, focusing on personalized risk assessment and tailored investment solutions.

Eldon Harris is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds the Series 63 and Series 66 credentials and has worked at firms including Bank of America, Merrill, and LPL Financial. Outside of his advisory role, Harris is involved as a board member of Metropolitan NTM Baptist Church and operates a sports cards retail business. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured tools and modeling techniques to support tailored financial plans.