Daniel Desmond is a financial advisor at LPL Financial with 12 years of industry experience. He holds a Series 66 designation and previously worked at Ayco/Goldman Sachs & Co. LLC for four years and The AYCO Company, L.P./Mercer Allied for nine years. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, combining discretionary and non-discretionary management with resources from LPL Research and third-party subadvisors.

John Hendricks is a financial advisor with Morgan Stanley in Pensacola, FL, holding Series 63 and Series 65 credentials and over 31 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm‑approved tools.

Anthony Di Pace is a financial advisor at LPL Financial with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Bank of America, Merrill, Edward Jones, Key Investment Services LLC, KeyBank, and Citizen's Bank. LPL Financial is an 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, financial planning, retirement consulting, and brokerage services, utilizing research and model portfolios from LPL Research and third-party subadvisors.

John Moore is a financial advisor at Morgan Stanley with 15 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and Morgan Stanley Private Bank since 2015 and 2016, respectively. Outside of his advisory work, Moore serves as a board member, treasurer, and finance committee member for Beagle School, an educational organization in Saratoga Springs, New York. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a variety of advisory programs to individuals and institutions. The firm provides tailored financial planning services and manages approximately $2.74 trillion in client assets.

Marissa Garza is a financial advisor with Morgan Stanley in Saratoga Springs, NY, holding a Series 66 license and one year of industry experience. Prior to joining Morgan Stanley, she worked as a nanny and has experience with The Center For Disability Services. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured discovery and advanced planning tools to support tailored financial plans.

Chelsea Mcauliffe is a financial advisor at Equitable Advisors with 11 years of industry experience. She holds Series 63 and Series 65 designations and has been with Equitable Advisors since 2015, following her tenure at Axa Advisors LLC. She also serves as power of attorney for her husband. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management programs to a diverse client base, including individuals, pension plans, corporations, and charitable organizations. The firm utilizes a range of advisory models and third-party asset managers, emphasizing fiduciary services and integrating both proprietary and external investment solutions.

John Malicki is a financial advisor with Morgan Stanley in Latham, NY, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by approved tools and modeling techniques.

Mark Papuzza is a financial advisor with LPL Financial in Latham, NY, holding the Series 66 designation and bringing 10 years of industry experience. He has worked at LPL Financial since 2018 and previously at INVEST Financial Corp. from 2016 to 2018. Papuzza also maintains a relationship with Empire Financial Advisors, active since 2014. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers diverse advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management along with model portfolios and research from multiple sources.

Matthew Waskiewicz is a Series 66-credentialed financial advisor with Morgan Stanley, based in Saratoga Springs, NY, and has three years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2022. Outside of his advisory role, Waskiewicz is involved with Headwall Technology II, a technology contracting business. Morgan Stanley Wealth Management provides advisory and brokerage services to both individual and institutional clients, offering tailored financial planning and a range of investment programs supported by firm-approved tools and methodologies.

Patrick Marlatt is a financial advisor at Equitable Advisors with six years of industry experience. He holds a Series 66 designation and has previously worked in various roles including academic positions at SUNY Oswego, Onondaga Community College, Lemoyne College, and SUNY Canton. In addition to his advisory role, he is involved as a sales associate with Realty Benefit Services and Dergalis Associates LLC. Equitable Advisors serves a diverse client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management programs through a network of Investment Adviser Representatives, utilizing a range of third-party advisory models and proprietary investment products.

Daniel Vartigian is a Senior Financial Advisor with Merrill Lynch Wealth Management. Licensed since 1988, he has extensive experience in financial planning and portfolio construction, working with individuals and families to help grow and maintain their wealth. His client focus areas include college education planning, family wealth management strategies, personal retirement planning, tax minimization, and retirement income. Mr. Vartigian holds a Bachelor's Degree from Ithaca College and earned his Series 7 FINRA registration in 1988. Over the course of his career, he has worked with First Albany, Morgan Stanley, UBS, and Merrill Lynch Wealth Management. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). In addition to his professional work, Daniel follows the Merrill tradition of community involvement, dedicating time to volunteer with local organizations. He also enjoys a wide range of sports including baseball, basketball, billiards, football, golfing, ice hockey, softball, and table tennis, as well as spending time with his family and watching movies.

Jason Blair is a financial advisor at LPL Financial with 18 years of industry experience and holds the Series 66 designation. Prior to joining LPL Financial in 2025, he worked at Northwestern Mutual Wealth Management Company and The Ayco Company. He is also involved with Tennant Financial, an investment-related business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of advisers, offering a broad range of advisory programs and financial services.

Colleen Tobey is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 10 years of industry experience. Her work history includes roles at KLH Management, Capital Growth & Shelter Inc., and Cetera Advisors LLC. In addition to her advisory role, she also works as an insurance agent selling life and long-term care policies. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a nationwide network of independent advisors serving individual, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through multiple program structures, with assets under management exceeding $256 billion across more than 10,000 advisors.

Mark Davidson is a financial advisor at LPL Financial with 24 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Cadaret Grant & Co., Inc. and Citizens Securities, Inc. Davidson serves as a board member for the Arkell Museum and Library and volunteers with the Boy Scouts of America. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs and services, including financial planning, retirement plan consulting, and model portfolio management supported by research from LPL Research and third-party subadvisors.

Peter Hernandez is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. His prior roles include positions at Bank of America and Merrill. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a broad client base—including individuals, institutions, pension plans, and municipal entities—offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Mark Wells is a CFP® with 17 years of industry experience, currently practicing at Ameriprise Financial Services, LLC. His work history includes roles at Ameriprise Financial Services Inc, Mass Mutual Investors Services, MassMutual Life Insurance Co, and John Hancock. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on income sources and tax-aware withdrawal strategies.

Todd Silaika is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he leads the Sirica Wealth Management Group. He and his team work with clients and their families to help achieve financial goals, addressing needs such as worry-free retirement planning, liquidity event navigation, and family wealth management strategies. Todd has been in the financial services industry since 1996 and joined Merrill Lynch Wealth Management in 2006. He holds a bachelor's degree in business administration with a concentration in finance from the State University of New York at Albany. He earned the Chartered Alternative Investment Analyst (CAIA) designation, is a CERTIFIED FINANCIAL PLANNER (CFP), a Certified Private Wealth Advisor (CPWA), and holds the Personal Investment Advisor (PIA) designation. His expertise includes college education planning, legacy planning, portfolio management services, socially responsible and ESG investing, as well as women and wealth. Outside of his professional activities, Todd is involved in the SUNY Albany Business Advisory Council. He enjoys spending time with his family, boating, football, music, skiing, swimming, and traveling.

Justin Spraker is a financial advisor with Cetera who holds a Series 66 credential and has 24 years of industry experience. He has worked at firms including Raymond James Financial Services and Ameriprise Financial Services. Outside of his advisory roles, he is the owner of GHA Executive Services LLC, which supports his financial practice. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, employer-sponsored, corporate, charitable, and institutional clients nationwide. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that combines affiliated and third-party model portfolios with various program structures.

Pierce Mahar III is a financial advisor with LPL Financial in Latham, NY, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has worked at LPL Financial since 2018 and previously at INVEST Financial Corporation. Mahar is also president of Education Funding Specialists, Inc., a role he has held since 2003. 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 financial planning and advisory programs, including discretionary and non-discretionary management, supported by in-house and third-party research and technology-driven strategies.

Todd Mcdonald is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and 31 years of experience. He has been with Mass Mutual Investors Services and Massachusetts Mutual Life Insurance Company since 1995. Outside of his financial advisory work, he has been involved with Garden Gate Landscape L.T.D. since 1986. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, and charitable organizations. The firm provides financial planning, asset management, and educational seminars, offering collaborative, annual planning engagements that focus on investment strategies without discretion over client assets.