Lynda Von Jaeger is a financial advisor at UBS Financial Services with 34 years of industry experience. She holds Series 63 and Series 66 designations and previously worked at Merrill from 2015 to 2024. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services, offering a broad range of capital markets and advisory solutions.

Katherine Schonfarber is an advisor with LPL Financial in Albany, NY, holding a Series 66 designation and beginning her financial industry career in 2025. Prior to entering finance, she worked in the hospitality and entertainment sectors, including roles at Funny Bone Comedy Club and Palais Royale Bar & Grille. 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 financial planning and portfolio management services supported by extensive advisor resources and technology.

Brad Hipsley is a financial advisor at OSAIC with one year of industry experience. He has worked at Champlain Wealth Management and previously held positions with the Arizona Diamondbacks and Stony Brook University. OSAIC serves a diverse client base including individuals, institutions, and charitable organizations through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services with a range of portfolio management options and access to third-party money managers.

Kimberly Osborne Allen is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she serves as treasurer and audit committee member for the Wildwood Foundation in Latham, NY. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s IPS-driven advisory process incorporates modern portfolio theory and offers both discretionary and non-discretionary services tailored to plan objectives, including a broader set of financial products such as insurance-related vehicles and bank deposit sweep options.

Lisa Lee is a financial advisor with Morgan Stanley in Latham, NY, holding Series 63 and Series 66 licenses and 19 years of industry experience. She has been with Morgan Stanley since 2013. Outside of her advisory role, she is involved in a painting business named Jay's Painting. Morgan Stanley Wealth Management serves individual and institutional clients by offering a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Ryan Dalbey is a financial advisor at Equitable Advisors with three years of industry experience. He holds the Series 66 designation and has prior work experience in various roles including at Adirondack Beverages and SUNY Adirondack. Equitable Advisors serves individual clients across wealth levels, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm provides financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives, utilizing both proprietary and third-party investment programs.

Richard Pauli is a financial advisor with Mass Mutual Investors Services in Clifton Park, NY, holding the ChFC® and Series 63 designations and bringing 40 years of industry experience. He has been with Mass Mutual Investors Services since 1989 and MassMutual Life Insurance Company since 1988. Outside of his advisory work, he is involved in several business ventures including ownership roles in real estate LLCs and the Pauli Financial Group, which offers individual and group life, health, and property/casualty insurance products. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses detailed client data and firm-approved analytical tools to deliver collaborative, goal-oriented financial planning and offers specialized programs including estate settlement and employer-sponsored planning.

Thomas Schmitz is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with Morgan Stanley Private Bank since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets since 2000. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individuals and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that includes tools such as Monte Carlo simulations and secular return estimates.

Kevin Hedley is a financial advisor with Cetera who holds the PFS™ designation and Series 63 license, bringing 25 years of industry experience. He has managed his own CPA firm, Hedley & Co, PLLC, since 1992, providing tax preparation and accounting services, and serves as a treasurer for the Friends of Saratoga Battlefield non-profit organization. He is also a member of the community advisory board for Saratoga National Bank & Trust and a volunteer board member for the American Red Cross. Cetera Investment Advisers LLC operates as a multi-manager platform serving individual, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and retirement services, enabling advisors to implement model portfolios, select third-party managers, or create bespoke strategies, with assets under management exceeding $256 billion.

Steven Meleco is a Series 66-licensed financial advisor with 13 years of industry experience, currently with LPL Financial since 2023. He previously worked at PKS Advisory Services, Purshe Kaplan Sterling Investments, Wells Fargo Clearing, and Wells Fargo Advisors. 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 financial planning and investment management services delivered through a large network of advisors utilizing both proprietary and third-party strategies.

Carmelo Nicolosi is a financial advisor with Ameriprise in Hadley, NY, holding a Series 66 designation and 25 years of industry experience. He has been with Ameriprise and its affiliated entities since 2012. Outside of his advisory role, he is involved with Nicolosi Group LLC. Ameriprise is a large institutional firm that offers a retirement-income planning service targeting individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide personalized, non-discretionary retirement recommendations, primarily for clients maintaining assets in Ameriprise-managed accounts.

Margaret Pennisi is a financial advisor at Wells Fargo Advisors with 10 years of industry experience. She holds the Series 66 designation and has worked primarily within Wells Fargo entities since 2016. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and financial planning services to individuals, trusts, and institutions. The firm provides a broad range of planning services covering areas such as retirement, education, risk, and wealth-transfer planning, utilizing proprietary research and planning tools to develop tailored recommendations.

Ryan Kelton is a financial advisor at Raymond James Financial with over 11 years of industry experience. He holds the CFP® and ChFC® designations and has worked previously at Northwestern Mutual. Kelton is involved in a tax practice called KFG Tax Services, LLC, which offers accounting services separate from his advisory work. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, and institutions. The firm offers tailored, non-discretionary planning and analytical tools to support client goals and maintains a unique affiliation with a municipal advisor to enhance its public finance capabilities.

Paul Coluccio is a financial advisor at LPL Financial with 23 years of industry experience. He holds the Series 66 designation and has worked at LPL Financial since 2020, following eight years at Cambridge Investment Research and two years at Equitable Advisors. Coluccio is also involved with Rosemont Financial Group, a non-variable insurance and investment-related business. 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 institutional platforms, supported by various investment strategies and advisor tools.

Ryan Mcauliffe is a financial advisor with Equitable Advisors in Malta, NY, holding a Series 66 designation and 11 years of industry experience. He has been with Equitable Advisors since 2015 and previously worked at Axa Advisors LLC. He is also a member of Pace Financial Partners, LLC. 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 asset-management programs through a network of Investment Adviser Representatives and third-party managers.

Ashton Britt is a financial advisor with Ameriprise in Cohoes, NY, holding a Series 66 designation and four years of industry experience. Prior to joining Ameriprise in 2022, Britt worked in various roles including positions at Siena College and DICK's Sporting Goods. Ameriprise offers a retirement-income planning service primarily for clients with significant investable assets, combining research-driven modeling, tax-efficient strategies, and algorithmic support to generate personalized retirement recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Raymond Zegger is a CFP® with 29 years of experience in the financial industry. He currently works at LPL Financial and previously spent 25 years at American Express Financial Advisors Inc. and three years at Next Financial Group, Inc. Outside of his advisory role, he is involved with Kellman Barnes Wealth Management, LLC, a business entity used for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser that delivers advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plans, banks, trust companies, and institutions, offering financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Thomas Gipson Jr. is a Wealth Management Advisor with Merrill Lynch Wealth Management in Mt. Kisco, NY. He began his career in 2007 following the completion of a Master's Degree from St. John's University. His professional experience includes work at Forex Capital Markets, where he focused on compliance and led regulatory audits for international branch offices. In 2009, he joined Morgan Stanley on a wealth management team, implementing tactical investment management strategies aimed at maximizing returns and reducing volatility. Thomas holds a Bachelor's Degree from St. Lawrence University and a Master's Degree from St. John's University. He has earned multiple professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His expertise spans areas such as college education planning, divorce transition planning, family wealth management strategies, and retirement income planning. Born in Brooklyn, NY, Thomas spent his formative years in the Adirondacks and graduated from Lake George High School. He is married to Jessica, whom he met at St. Lawrence University, and together they have two children. Outside of his professional role, Thomas enjoys baseball, football, golfing, ice hockey, reading, and spending time with his family.

Anthony Pereira is a CFP® with 17 years of experience in the financial services industry. He has worked at Charles Schwab and Charles Schwab Bank SSB since 2017, following prior roles at Axa Advisors, LLC and Capital Preservation Partners, Inc. Anthony is based in Albany, NY and holds Series 63 and Series 66 licenses. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment management, utilizing multi-asset model portfolios and access to alternative investments through a centralized, integrated platform.

Steven Massey is a Series 66-licensed financial advisor with LPL Financial in Albany, NY, bringing 26 years of industry experience. He has worked with LPL Financial since 2002 and held positions at Cap Com Financial Services, LLC for 19 years and Broadview Federal Credit Union. 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 portfolios, third-party asset management, and institutional platforms.