Ryan Dalbey is a financial advisor with Equitable Advisors, holding a Series 66 designation and three years of industry experience. Prior to joining Equitable Advisors in 2023, he worked at Adirondack Beverages and held various positions in the hospitality and education sectors. Equitable Advisors serves a wide range of clients, including individual, high-net-worth, retirement plan, corporate, charitable, and institutional investors. The firm provides financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, relying heavily on LPL-sponsored solutions and offering both discretionary and non-discretionary asset management options.

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 financial advisor at LPL Financial with 12 years of industry experience. He holds a Series 66 designation and has previously worked with PKS Advisory Services, Purshe Kaplan Sterling Investments, and Wells Fargo Advisors. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by proprietary research and third-party models.

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 CFP® and ChFC® with 11 years of experience in financial advisory. He is currently a part owner of The Kelton Financial Group and has previously worked with Northwestern Mutual. In addition to his advisory role at Raymond James Financial Services Advisors, he is involved in a tax practice and serves as an insurance agent for non-variable insurance products. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base, including individual and high-net-worth investors, pension plans, charitable organizations, and government entities. The firm offers tailored, primarily non-discretionary advisory services and supports specialized programs such as SIMPLE IRA Employer Advisory & Consulting Services for small businesses.

Paul Coluccio is a financial advisor with LPL Financial, holding a Series 66 designation and 22 years of industry experience. He previously worked for Cambridge Investment Research Advisors and Cambridge Investment Research from 2012 to 2020. Coluccio is also involved with Rosemont Financial Group, a non-variable insurance and investment-related business in Albany, NY. 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 approaches and a variety of research and portfolio options.

Ryan Mcauliffe is a Series 66-credentialed financial advisor with 11 years of industry experience, currently serving clients at Equitable Advisors since 2015. He previously worked at Axa Advisors LLC for five years. His other business activities include membership in Pace Financial Partners, LLC. Equitable Advisors serves a broad client base including individuals, high-net-worth, retirement plans, corporate, charitable, and institutional clients, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and a broker-dealer, utilizing LPL-sponsored programs and endorsed third-party managers to deliver advisory and brokerage solutions.

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 services industry. He is currently with LPL Financial and previously worked at American Express Financial Advisors Inc. for 25 years, followed by Next Financial Group, Inc. He is also involved with Kellman Barnes Wealth Management, LLC, a business entity for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves 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, retirement consulting, and brokerage services supported by proprietary research and third-party subadvisors.

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 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.

Andrew Smith is a financial advisor with Morgan Stanley in Latham, NY, holding a Series 66 designation and 21 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a variety of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and analysis.