William Braat is a financial advisor with Merrill in Albany, NY, holding a Series 66 designation and three years of industry experience. His work history includes roles at Merrill since 2017 and Bank of America, N.A. since 2023, as well as prior experience at Enterprise Holdings from 2014 to 2017. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of discretionary and model-based investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm integrates investment management with broader banking services, including lending and custody.

Michael Brown is a CFP® certificant with 33 years of industry experience. He is currently with Cetera and Madison Wealth Managers, where he is the owner. He has also worked at American Portfolios and OSAIC during his career. Brown is also an insurance agent involved in the sale of fixed insurance products. Cetera is an SEC-registered adviser that serves individual, corporate, charitable, retirement plan, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and consulting services delivered via multi-manager platforms and various program structures.

Richard Martino is a financial advisor with LPL Financial in Latham, NY. He holds Series 66 and Series 63 licenses and has five years of industry experience. Prior to joining LPL Financial, Martino worked at J.P. Morgan Securities LLC and Bank of America. He is also involved with 17 Berkley, LLC, an outside business activity. 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 advisory programs, financial planning, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Noel Kaminski is a financial advisor with MassMutual Investors Services and holds Series 63 and Series 65 licenses. He has 13 years of industry experience, including roles at Northwestern Mutual and National Life Group. Kaminski serves as a board member of Stakeholders and as an ambassador for the Capital Region Chamber of Commerce. MassMutual Investors Services, LLC operates as 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 collaborative, annual financial planning engagements supported by firm-approved software tools and educational seminars.

Malika Goel is a financial advisor at Equitable Advisors with a Series 66 credential and one year of industry experience. Prior to joining Equitable Advisors, she held various service and hospitality roles, including positions at Enterprise Mobility and Delmonico's Italian Steakhouse. Outside of her advisory work, she continues to work in the restaurant industry. Equitable Advisors serves a diverse client base that includes individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, operating as both an SEC-registered investment adviser and broker-dealer.

Zachary Yakel is a financial advisor at Wells Fargo Clearing with a Series 66 designation and one year of industry experience. Prior to joining Wells Fargo in 2024, he held roles at Amperity and several other firms across different sectors. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a range of investment options such as collective investment trusts, mutual funds, and insurance-related vehicles.

Laura Kane is a Financial Consultant at Fidelity Investments, where she has been working since 2024. She collaborates with individuals and families to develop comprehensive financial plans tailored to their specific goals and needs. Laura emphasizes the importance of having a financial plan that provides stability during various life circumstances. Her experience at Fidelity Investments spans several roles, including Planning Consultant (2021-2024), Assistant Branch Leader (2023), Relationship Manager (2020-2021), and Financial Representative (2017-2020). This progression reflects her extensive background in financial planning and client relationship management. Outside of her professional work, Laura enjoys attending concerts, gardening, kayaking, engaging in outdoor adventures, skiing, and spending time with her pets.

Kyle Sumple is a financial advisor at Mass Mutual Investors Services with 14 years of industry experience. He holds the Series 63 designation and has been with Mass Mutual Investors Services and Mass Mutual Life Insurance Company since 2011. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved tools to provide goal-based recommendations.

John Gac is a financial advisor with Primerica Advisors in Clifton Park, NY, holding Series 63 and Series 65 credentials and seven years of industry experience. His work history includes roles at Primerica Financial Services, Pfs Investment, Inc., BAE Systems, and Uber. Outside of his advisory work, he has been involved in driving for Uber and receives compensation from affiliated companies for sales and referrals related to loan products and home services. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selectively managed accounts. The firm curates third-party asset managers and utilizes tiered wrap fees, focusing on retail clients rather than institutional pension or profit-sharing plans.

Stephanie Havens is a Series 66-licensed financial advisor with Edward Jones in Troy, NY. She has 11 years of industry experience and has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of over 23,700 financial advisors.

Jonathan Tellstone is the Senior Resident Director and Wealth Management Advisor at Merrill Lynch, where he leads the Latham office and heads a team of six professionals dedicated to helping clients build and maintain wealth. He focuses on putting clear financial plans in place with regular communication and reviews to foster successful long-term relationships. As the founder of The Tellstone Sullivan Michaels Wealth Management Group, he has built a credentialed advisory team aimed at simplifying clients' financial lives and preparing them for the future. With over 30 years at Merrill Lynch, Jonathan serves affluent clients primarily in the Albany area and nationwide, including physicians, business owners, executives, retired couples, widows, and multiple generations. His expertise encompasses legacy planning, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, tax minimization, and retirement income strategies. He emphasizes a prudent approach to wealth management that accounts for a client's timeline and encourages ongoing communication to avoid emotional decisions. Jonathan holds a bachelor's degree in Economics from Siena College and has earned the Accredited Asset Management Specialist (AAMS) and Personal Investment Advisor (PIA) designations. Outside of his financial career, he is a former baseball player and currently coaches the Skidmore College baseball team as well as girls basketball for the City Rocks AAU program. He enjoys baseball, basketball, football, golfing, music, singing, spending time with his family, and traveling. Jonathan resides in Saratoga Springs with his wife Michele, their daughter, and two golden doodles.

Sangeetha Madhavan is a CFP®-certified financial advisor at Charles Schwab with four years of industry experience. She previously worked at Morgan Stanley and the London Business School before joining Charles Schwab in 2020. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary advisory services and access to discretionary separately managed accounts. The firm leverages a large-scale, integrated structure with multi-asset model portfolios and a formal alternative investments program.

Ryan Mccrea is a financial advisor with Equitable Advisors in Latham, NY, holding a Series 66 designation and 18 years of industry experience. He has been with Equitable Advisors since 2007 and previously worked with Axa Advisors, LLC. Outside of his advisory work, he is the owner of a short-term rental property in Newport, RI. 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 employs a hybrid referral and implementation model that integrates advisory and brokerage channels to deliver tailored client solutions.

Timothy Meigher is a financial advisor with Morgan Stanley in Latham, NY, holding Series 63 and Series 65 credentials and offering 44 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. In addition, he serves as a FINRA arbitrator, a role he has fulfilled for over ten years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a broad range of advisory programs to individuals and institutions, including customized financial planning supported by firm-approved tools and methodologies.

Theresa Bruce is a financial advisor with LPL Financial based in Latham, NY, holding Series 63 and Series 66 credentials and bringing 23 years of industry experience. Her prior work includes nearly a decade each at Key Investment Services LLC and KeyBank, along with current roles at Pioneer Bank and LPL Financial. 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 provides a range of financial planning and advisory programs, retirement plan consulting, and brokerage services, with investment management supported by proprietary and third-party research and multiple portfolio strategies.

Drew Prescott is a financial advisor with Cetera, holding a Series 63 designation and 15 years of industry experience. His prior roles include positions at LPL Financial and CFD Investments Inc. He is also the owner of Prescott Private Wealth, Inc., and serves as an elected board member of Wolferts Roost Country Club. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, operating a multi-manager platform with both discretionary and non-discretionary program options.

Alexis Nikkhoo is a financial advisor at Cetera with 15 years of industry experience. He holds Series 63 and Series 65 licenses. Prior to joining Cetera in 2019, he worked at Foresters Advisory Services and Foresters Financial Services. Outside of his advisory role, he has been involved in the automotive business Auto Latino's Cars since 2009. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual clients, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a nationwide network of advisors and utilizes multiple program structures and affiliations.

Becky Sciortino is a Senior Financial Advisor with over 20 years of experience in wealth management, currently serving clients through Merrill Lynch Wealth Management. She focuses on building personalized financial strategies that consider the real-world situations and ambitions of her clients. Becky works closely with a broad range of individuals, including business owners, corporate executives, former state employees, and families across multiple states, with particular attention to retirement planning, income generation, wealth preservation, and legacy planning. Becky began her career in 1998 at Fleet Investment Management and its legacy firms, later joining SEFCU Wealth Management Services at LPL in 2005, where she spent 16 years before moving to Merrill Lynch. She holds a Bachelor's degree in International Studies with a concentration in Economics from Russell Sage College and is a Personal Investment Advisor (PIA). Becky emphasizes educating clients on their investments and financial strategies and collaborates with CPAs and attorneys to align tax minimization and estate planning efforts. She also integrates client health considerations and social security scenarios into her planning process. Residing in Niskayuna, New York, Becky lives with her husband Paul and their three daughters. Active in outdoor and fitness activities such as hiking, biking, kayaking, rock climbing, running, and yoga, she values helping clients prepare for life’s challenges and opportunities. Becky also participates in community organizations including the American Diabetes Association, Food Pantry initiatives, and the American Heart Association Purple Stride for Pancreatic Cancer.

Virginia Iarusso is a financial advisor with Edward Jones in Albany, NY, holding a Series 66 designation and 12 years of industry experience. She has been with Edward Jones since 2013. Outside of her advisory work, she owns and manages the rental of a camp property in Indian Lake, NY. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Joseph Daddario is a financial advisor with Cetera, holding a Series 63 designation and over 30 years of industry experience. His career includes extensive tenure at Avantax Advisory Services and related entities from 1995 to 2025, and he has operated his own firm, JC Daddario LLC, since 2017. Outside of financial advising, he is involved in tax preparation and accounting services. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, corporate, and institutional clients nationwide. The firm offers a range of portfolio management and retirement services through a multi-manager platform, supporting both discretionary and non-discretionary accounts.