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.

Christopher Spratt is a financial advisor with Equitable Advisors who holds Series 63 and Series 65 licenses and has 25 years of industry experience. His career includes prior roles at Ameriprise Financial Services, Mass Mutual Investors Services, MetLife Securities, and LPL Financial. He serves as a Foundation Board Member of Saratoga Bridges, a nonprofit organization supporting individuals with developmental disabilities. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm utilizes a range of advisory programs and third-party managers to deliver customized investment solutions without sponsoring its own wrap fee program.

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.

Michael De Marco is a financial advisor at Edward Jones in Ballston Spa, NY, holding a Series 66 designation with four years of industry experience. Prior to joining Edward Jones in 2022, he worked at Syneos Health, Ronco, and Steris Corporation. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies, separately managed accounts, and affiliated mutual funds. The firm operates under a fiduciary standard and maintains a large national network of advisors and branches.

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.

Ryan Sheridan is a financial advisor at Equitable Advisors with seven years of industry experience. He holds a Series 66 designation and has been with Equitable Advisors since 2019. His prior work experience includes positions outside the financial industry as well as a role at AxA Advisors. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and a variety of asset management programs. The firm employs a range of investment solutions through its network of Investment Adviser Representatives and third-party managers.

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.

Paul Wilders is a financial advisor at Merrill with 28 years of industry experience. He holds the Series 63 and Series 65 designations. His prior work includes positions at The Ayco Company, L.P./Mercer Allied and Bank of America, N.A. 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. The firm offers model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

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.

Mitchell Calabrese is a financial advisor with Equitable Advisors based in Malta, NY. He holds Series 63 and Series 65 credentials and has seven years of industry experience. His prior work includes roles at AXA Advisors, Capital Financial Planning, LPL Financial, and positions in both higher education administration and the hospitality industry. Equitable Advisors serves individual clients across the wealth spectrum, as well as pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and various asset management programs. The firm employs a network of Investment Adviser Representatives and emphasizes matching clients with advisory models and third-party managers, offering a range of investment options and ERISA fiduciary services.

R. Paul Moroukian Jr. is a financial advisor with LPL Financial in Albany, NY, holding a Series 63 designation and over 40 years of industry experience. He has been with LPL Financial since 1995. 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 broad range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Christopher Streich is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 20 years of industry experience. He has worked at Cetera since 2019 and previously held roles at Foresters Advisory Services and Foresters Financial. Outside of finance, he owns and operates Alfies Hotel, a 14-bedroom hotel, and coaches skiing at Hunter Mountain. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, and institutional accounts, offering various portfolio management and financial planning services through a large network of independent advisors.

Kevin Babcock is a financial advisor with LPL Financial in Clifton Park, NY, holding CFP® and Series 63 credentials and bringing 37 years of industry experience. He has been with LPL Financial since 1995 and also has a longstanding association with Cluett Peabody & Co. Inc. Outside of his advisory role, he is involved in life insurance and fixed annuity sales through Babcock Investment Group, LLC, and provides tax preparation services for individuals and trusts. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional programs, supported by technology tools but with investment decisions made by advisors.