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 financial advisor with LPL Financial in Albany, NY, holding a Series 66 designation and 26 years of industry experience. He has worked at LPL Financial since 2002 and was affiliated with Cap Com Financial Services, LLC for 19 years. Massey is also involved with Broadview Federal Credit Union. LPL Financial serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Salvatore Salerno is a Financial Advisor affiliated with Merrill Lynch Wealth Management. He specializes in creating personalized wealth management strategies that align with each client's unique financial goals and priorities. Salvatore emphasizes a disciplined and thoughtful approach to investment planning, aiming to build flexible plans that address changing market conditions and economic uncertainties. With a focus on clear communication, Salvatore helps clients understand their investment decisions to foster confidence throughout the financial planning process. He holds the Personal Investment Advisor (PIA) designation and earned his bachelor's degree from Syracuse University. Outside of his professional work, Salvatore has personal interests that include basketball, cooking, football, golfing, hiking, pickleball, skiing, tennis, traveling, and volleyball.

Richard Lane is a financial advisor at OSAIC with 20 years of industry experience. He holds Series 63, Series 65, and Series 66 credentials and previously spent 14 years at American Portfolios Financial Services, Inc. Outside of his advisory work, Lane serves on the finance committee and board of directors for the Galaway United Methodist Church endowment and participates in organizing a charity golf event. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and advisory services alongside access to third-party money managers and unified managed accounts. The firm employs asset-allocation tools and automated rebalancing to construct portfolios across a variety of investment types, managing accounts on both discretionary and non-discretionary bases.

William Kopp is a financial advisor with LPL Financial in Latham, NY, holding a Series 63 license and over 56 years of industry experience. His prior work includes roles at Cetera Advisors LLC and National Life Insurance Co. Outside of advising, he has involvement with National Planning Group Inc., a non-variable insurance business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of financial planning, advisory programs, retirement consulting, and brokerage services supported by proprietary and third-party research and technology.

David Reilly is a Senior Financial Advisor with Merrill Lynch Wealth Management. He collaborates with individuals and families to help them understand their financial situations and develop personalized plans focused on achieving their financial goals. His areas of focus include personal retirement planning, portfolio management services, and retirement income strategies. David began his financial services career in 2007, initially concentrating on individual retirement planning. Over time, his practice expanded to encompass comprehensive wealth planning for families and businesses. He holds FINRA Series 7 and 63 registrations, Life and Health Insurance licenses, and the Personal Investment Advisor (PIA) designation. David earned a Bachelor's degree in Accounting from Siena College. Residing in Stillwater with his wife Michelle and their four daughters, David spends much of his time engaged in family activities. His personal interests include basketball, camping, football, gardening, and spending quality time with his family.

Shelby Martin is a Series 66 licensed financial advisor with LPL Financial, based in Albany, NY, and has nine years of industry experience. Since 2017, Martin has been associated with WealthOne, LLC, an independent registered investment advisory firm through which he provides investment advisory services. He has been with LPL Financial since 2016. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations via a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, and utilizes model portfolios and research from multiple sources.

Michael Morgante is a financial advisor with Edelman Financial Engines in Clifton Park, NY, holding Series 65 and Series 66 licenses and bringing 16 years of industry experience. He has been with Financial Engines Advisors L.L.C. since 2016 and worked previously at Tmfs Advisors, LLC for one year. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm employs a committee-driven modeling process combined with planner delivery and online tools, offering diversified portfolios and fiduciary management under ERISA for a large client base.

Scott Moore currently serves as a Planning Consultant at Fidelity Investments. He began his career in financial services as a Personal Banker at North Shore Bank in 2019 before moving to J.P. Morgan Securities as a Licensed Relationship Banker from 2019 to 2021. In 2021, he joined Fidelity Investments as a Planning Consultant, briefly held the role of Investment Consultant from 2025 to 2026, and then resumed his position as Planning Consultant. Scott focuses on building long-term client relationships through education and care, aiming to understand clients' concerns and objectives to advocate for their financial independence as defined by them and their families. His approach emphasizes listening and personalized financial planning. Outside of his professional work, Scott's interests include fitness, pets, scuba diving, swimming, and traveling.

John Daniels serves as a Wealth Management Advisor and Portfolio Manager at Merrill Lynch Wealth Management. In this role, he manages personalized and defined investment strategies on a discretionary basis, utilizing a range of assets including individual stocks and bonds, Merrill Lynch model portfolios, and third-party strategies. His responsibilities center on investment management to address client priorities of wealth creation and preservation. John offers comprehensive financial planning and guidance to high net-worth clients and their families. His areas of expertise include retirement planning, tax minimization strategies, trust and estate planning, investment management, insurance, divorce transition planning, family wealth management strategies, institutional investment consulting, and retirement income. He holds the CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Investment Management Analyst® (CIMA®), and Certified Plan Fiduciary Advisor® (CPFA®) designations, alongside Personal Investment Advisor (PIA) and Retirement Accredited Financial Advisor (RAFA) credentials. John's educational background includes a Bachelor's degree in Accounting from Siena College, a Graduate Certificate in Investment Management from the Yale School of Management, and a Master's degree in Finance from Johns Hopkins Carey Business School. John is involved in the community through his role on the Board of Directors for Junior Achievement of Northeastern New York and participation in the CFP Board Mentorship Program. Outside of his professional responsibilities, he enjoys golfing, skiing, and tennis. He is committed to working one-on-one with clients to develop personalized financial strategies aimed at pursuing their long-term goals.

Christopher Noonan is a financial advisor with LPL Financial in Albany, NY, holding a Series 63 designation and 21 years of industry experience. Prior to joining LPL Financial in 2020, he worked at Cambridge Investment Research Advisors, Inc. and Cambridge Investment Research, Inc. from 2016 to 2020. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services, with investment management supported by research from LPL Research and third-party subadvisors.

Abigail Boslet is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and 15 years of industry experience. Her career includes roles at Foresters Financial and Foresters Advisory Services LLC before joining Cetera in 2019. Outside of her financial work, she performs as an entertainer, playing guitar and singing. Cetera Investment Advisers LLC serves 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 access to affiliated and third-party managers.

Nicholas Bytner is a financial advisor with LPL Financial in Albany, NY, holding a Series 66 designation and beginning his advisory career in 2025. He has prior experience at Homeowners Advantage and Broadview Federal Credit Union, where he has worked since 2017. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing discretionary and non-discretionary management supported by research and model portfolios.

Teresa Colvin is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds a Series 63 designation and has worked at Morgan Stanley Smith Barney since 2009 and Citigroup Global Markets since 2001. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and estate planning services, managing approximately $2.74 trillion in client assets.

Jennifer Bayliss is a financial advisor with Ameriprise in Albany, NY, holding Series 65 and Series 66 licenses and five years of industry experience. She has worked at Ameriprise since 2016 and previously was involved with Rodan and Fields for five years, alongside a twelve-year tenure at Williams College. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning through written Recommendation Reports and ongoing advice. The firm’s approach incorporates investment research, third-party data, and algorithmic tools, with restrictive enrollment criteria and a managed account offering that includes affiliated investment products.

Clinton Mc Gowan is a financial advisor at UBS Financial Services with 29 years of industry experience. He previously worked at Goldman, Sachs & Co for 17 years and served four years at Stonehaven, LLC. He holds Series 63 and Series 65 licenses. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses model-based asset allocations and proprietary research to tailor financial plans to clients’ goals and risk tolerances.

Ronald Snapp is a financial advisor with Primerica Advisors in Clifton Park, NY, holding a Series 63 designation and over 30 years of industry experience. He has been with Primerica Advisors since 1993 and has prior work history with several companies including Fromm Airpad Inc and Rao's Coffee Roasters. Outside of advisory services, he is involved in the sales of loan products and home-related services through affiliated companies. Primerica Advisors provides 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 uses a percentage-based wrap fee structure for its services.

Taylor Hart is a Series 66 licensed financial advisor at Merrill with six years of industry experience. His background includes roles at Goldman Sachs & Co. LLC and The Ayco Company, L.P./Mercer Allied prior to joining Merrill. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individual and institutional clients.

David Needham is a CFP® and holds a Series 66 license with 23 years of industry experience. He has been with Ameriprise and its affiliates since 2007, currently serving clients out of Clifton Park, NY. Ameriprise provides retirement-income planning services focused on individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations, supported by a centralized consulting team and algorithmic tools.

Ryan Obst is a financial advisor at LPL Financial with 18 years of industry experience. He has been with LPL Financial since 2008 and holds the Series 63 designation. 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 a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.