John Nuzzi is a financial advisor with LPL Financial in Albany, NY, holding a Series 66 license and 16 years of industry experience. His prior roles include positions at Morgan Stanley and Heartland Payment Systems. He is also involved with Broadview Federal Credit Union. 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 supports a broad range of investment strategies and platforms, leveraging both proprietary research and third-party managers.

Jacqueline Marshall is a Series 66 credentialed financial advisor with 42 years of industry experience. She has been with LPL Financial since 2025 and previously worked for Next Financial Group, Inc. for 23 years. Outside of her advisory work, she serves as a FINRA arbitrator and operates a tax preparation and accounting business. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a range of financial planning and advisory services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm supports its network of advisors with various investment programs and technology tools while overseeing substantial discretionary assets across a large advisor base.

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 in Albany, NY, holding a Series 63 credential and eight years of industry experience. Prior to joining LPL Financial in 2025, he worked for Cadaret, Grant & Co., Inc. for eight years. Mareno is also the owner of multiple business ventures including Rocsan Recovery Inc. and tax preparation services. 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 variety of financial planning and investment management solutions supported by its large network of investment adviser representatives and advanced research tools.

Casey Mirabile is a financial advisor with LPL Financial in Albany, NY, holding Series 63 and Series 65 licenses and five years of industry experience. Prior to joining LPL Financial in 2025, Casey worked at UBS Financial Services for five years and has experience in roles at GoDaddy and United Bank of Switzerland. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing a wide range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers diverse investment solutions including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advanced research tools and a broad network of over 22,800 advisors.

Jeffrey Ricchiuti is a CFP® professional with 11 years of experience in the financial industry. He is currently affiliated with LPL Financial in Albany, NY, and has held positions at Broadview Federal Credit Union since 2021 and Direct Advisors, LLC from 2014 to 2021. Ricchiuti also serves as Director of Advisory Operations for Broadview Wealth Management. 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 other institutions. The firm offers a range of financial planning and portfolio management solutions, supported by a large network of advisors and various operational tools.

Brian Cumming is a financial advisor with Equitable Advisors, holding a Series 66 designation and 13 years of industry experience. He has been with Equitable Advisors since 2013, including prior work at Axa Advisors LLC. He serves on the Northern Rivers Board of Directors and participates in the Stewarts MYO Scholarship Selection Committee in his community. Equitable Advisors serves individual, pension, corporate, charitable, and institutional clients by providing financial planning, retirement plan consulting, and asset management programs. The firm utilizes both proprietary and third-party advisory models and offers a range of investment options including mutual funds, ETFs, and alternative investments, while providing ERISA fiduciary services to qualified plans.

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.

Lawrence Spagnola is a financial advisor at Osaic Wealth, Inc. with 41 years of industry experience. He holds a Series 63 designation and has worked at FSC Securities Corporation and his own firm, Spagnola & Spagnola, where he has been active for over 30 years. Osaic Wealth serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm combines brokerage and advisory services with various investment platforms and utilizes asset-allocation tools, risk-tolerance assessments, and managed-account solutions.

Christopher Davison is a financial advisor with LPL Financial in Latham, NY, holding a Series 66 designation and seven years of industry experience. Prior to joining LPL Financial in 2019, he worked at Clarkson University and the State University of New York at Canton. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and access to third-party asset managers.

George Owusu is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and two years of industry experience. His prior experience includes roles at Northwestern Mutual and KeyBank. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering bundled advisory, brokerage, custody, and financial planning services through its Schwab Wealth Advisory wrap fee program and affiliated managed-account platforms. The firm’s integrated structure combines non-discretionary advisory relationships with access to discretionary separately managed accounts and a formal process for alternative investment offerings.

Anthony Russo is a financial advisor at Morgan Stanley with 21 years of industry experience. He holds the ChFC® designation and securities licenses Series 63, 65, and 66. His prior experience includes roles at Bank of America, Merrill, and Wells Fargo Advisors. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a range of advisory programs. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools alongside a broad suite of investment and financial services.

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 63 and Series 65 credentials with seven years of industry experience. Prior to joining LPL Financial in 2020, he worked at The Ayco Company, L.P./Mercer Allied and has experience in various other roles including financial services and business management. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions, offering a range of advisory and brokerage services including financial planning, model portfolios, and institutional platforms.

Katharine Charton is a financial advisor with LPL Financial in Albany, NY, holding Series 63 and Series 65 credentials and bringing 11 years of industry experience. Her prior roles include positions at Cambridge Investment Research, CETERA Advisor Networks, and Empire Asset Management Group. Outside of her advisory work, she operates a tax preparation and accounting service under the name Kate Charton, EA. 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 broad range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by a large network of investment adviser representatives and advanced research tools.

Matthew Clement is a financial advisor with LPL Financial in Troy, NY, holding a Series 66 designation and bringing 12 years of industry experience. He has worked at LPL Financial since 2014 and has also been associated with Cap Com Federal Credit Union since 2010. In addition to his advisory role, he serves as a notary public. 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 other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with research and operational tools.

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.