Anthony Angelini is a financial advisor with Charles Schwab in Albany, NY, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. His background includes roles at Charles Schwab Bank, TD Ameritrade, Equitable Advisors, and The Ayco Company affiliated with Goldman Sachs and Mercer Allied. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines a non-discretionary advisory model with access to discretionary separately managed accounts, offering multi-asset model portfolios alongside centralized custody and operational support.

Richard Daniels is a financial advisor at LPL Financial with 43 years of industry experience, including 36 years at LPL. He holds the Series 63 designation and is based in Albany, NY. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by proprietary and third-party research and technologies.

Robert Lilley Jr. is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been employed since 1996. He serves as a Portfolio Manager in the Investment Advisory Program within Merrill Lynch. His professional credentials include the CERTIFIED FINANCIAL PLANNER® (CFP) designation, CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA) designations. He earned his Bachelor's Degree in Business/Finance from the State University of New York. Robert's expertise encompasses various areas including family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, and retirement income. Over his career, he has assisted individuals, families, and businesses with lifetime retirement income and asset transfer planning, leveraging his extensive knowledge and resources developed over more than 25 years at Merrill. He lives in Delmar, NY with his wife Maura and their three children. Robert enjoys personal interests such as cooking, golfing, reading, and traveling. He has served as a Trustee for the Albany Institute of History and Art. Additionally, he works alongside his two sons at Merrill Lynch Wealth Management.

Sean Kelton is a CFP® professional with eight years of industry experience, currently serving as a financial advisor at Raymond James Financial Services Advisors, Inc. since 2019. His prior experience includes roles at Northwestern Mutual and GE Healthcare. Outside of advising, he is a partner in a tax preparation practice and serves as CEO of a support company. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to individuals, high-net-worth clients, institutions, and nonprofit organizations. The firm emphasizes tailored, non-discretionary planning using analytical tools, and supports a broad advisor network alongside unique offerings such as municipal advisory services and SIMPLE IRA employer consulting.

Ryan Dudzic is a financial advisor with Ameriprise in Albany, NY, holding a Series 66 designation and six years of industry experience. He has worked at Ameriprise since 2019 and has prior experience in roles outside finance, including positions at Annarella's Ristorante and Siena College. In addition to his advisory role, Dudzic supports lead advisors through FFLIH, LLC, assisting with meeting preparation and client transactions, and provides consulting services to franchise clients through INetwork NY LLC. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning with tax-aware withdrawal strategies. The firm’s approach integrates investment research, third-party data, and algorithmic tools, operating within a defined investment universe influenced by affiliated product relationships.

Laura Sausville is a financial advisor at Edward Jones in Troy, NY, holding Series 65 and Series 63 licenses with 10 years of industry experience. Her prior roles include positions at LPL Financial, Healthcare Community Securities Corp, CITIZENS Bank, and Citizens Securities INC. She is also a trustee of a family trust. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and affiliated investment options supported by a large nationwide network of advisors and branch offices.

Emilio Lapietra is a CFP® professional with 15 years of industry experience. He has worked at Morgan Stanley since 2020 and previously held roles at Fidelity Personal and Workplace Advisors and Fidelity Brokerage Services LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that utilizes firm-approved tools and modeling techniques.

Cody Wojdyla is a financial advisor at LPL Financial with 20 years of industry experience. He holds a Series 66 designation and previously worked at Cambridge Investment Research Advisors from 2012 to 2020. Wojdyla is also involved with business entities for tax and investment purposes outside his advisory role. LPL Financial serves a broad client base, including individuals, retirement plans, banks, and charitable organizations, offering financial planning, advisory programs, and brokerage services through a large network of investment adviser representatives. The firm provides a range of management options and utilizes model portfolios and research from various sources to support its investment strategies.

Richard Pombo is a financial advisor at LPL Financial with 25 years of industry experience. He holds a Series 63 designation and has worked previously at Cadaret, Grant & Co., Inc. and has operated Pombo Wealth Management since 2008. Outside of advisory work, he is involved with Pombo Family Holdings Co., LLC and Pombo Insurance Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, combining model portfolios, third-party research, and technology-driven investment options.

Andrew Hugos is a financial advisor with LPL Financial in Latham, NY, holding a Series 63 designation and bringing 42 years of industry experience. He has been with LPL Financial since 1996 and maintains a long-term role as a reservist in the U.S. Army Reserves since 1989. Outside of advising, he serves as a Chartered Life Underwriter (CLU), consulting with clients on insurance and retirement needs and offering non-variable life insurance and related products. 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 provides a range of advisory programs, retirement plan consulting, brokerage services, and access to model portfolios and research from LPL Research and third-party subadvisors.

Christopher Ryan is a financial advisor at Raymond James Financial with Series 63 and Series 65 credentials and three years of industry experience. His career includes roles at Raymond James, Fidelity, and Goldman Sachs. Ryan is also an associate at The Kelton Financial Group, a support company based in Latham, NY. 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, corporations, and institutional clients. The firm employs a non-discretionary, tailored approach utilizing risk profiling and analytical tools to guide client decisions and supports municipal and public finance work through its affiliation with a municipal advisor.

Paul Cuda is a financial advisor with LPL Financial in Albany, NY, holding a Series 63 designation and 26 years of industry experience. He has worked at LPL Financial since 2004 and has been with Private Advisor Group since 2016. In addition, he is affiliated with Cusack & Company CPAs, where he provides tax preparation, accounting, and bookkeeping services. 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 brokerage services, utilizing model portfolios, research, and various management approaches.

Christopher Welfley is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since joining Merrill Lynch in 2014, Chris has specialized in goals-based wealth management strategies, drawing on global resources and up-to-date technology to assist clients in pursuing financial lifestyles tailored to their unique needs. He works closely with high-net-worth clients to simplify complex financial situations by addressing estate planning, investments, tax minimization, wealth transfer, and retirement income strategies. Additionally, he collaborates with a Wealth Management Lending Officer from Bank of America to offer personalized home financing solutions aligned with clients' overall financial plans. Chris has been active in the financial services industry since 1997. His approach emphasizes understanding clients' personal goals and circumstances, aiming to build trust and optimize their financial resources. He holds the Personal Investment Advisor (PIA) designation and has earned an Associate's Degree from SUNY Adirondack, as well as a High School Diploma from Saratoga Springs High School. Residing in Saratoga Springs, New York, Chris lives with his daughter, Makenna. He is also engaged in his local community through volunteer work, reflecting his commitment to the Merrill tradition of community involvement.

David Morales is a financial advisor at Morgan Stanley with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets since 2006. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and investment models to support its advisory process.

Brian Mckee is a financial advisor at OSAIC with 20 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at OSAIC since 2018, following 12 years at Signator Investors/John Hancock. Outside of his advisory role, he owns and operates Rosendale Construction LLC, providing home improvement and general construction services. OSAIC Wealth, Inc. serves a broad range of retail and institutional clients through an extensive network of affiliated financial advisers. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to construct diversified portfolios across various investment vehicles.

Nabila Khan is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and seven years of industry experience. She previously worked at Morgan Stanley Smith Barney LLC and Law Firm Suites. 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 advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, tailoring solutions to plan objectives, demographics, and risk tolerances, and includes a broader set of financial product offerings such as insurance-related vehicles and bank deposit sweep options.

Nicholas Mattiello is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he works closely with families and business owners to address all facets of their financial lives. He specializes in creating structured, goal-based financial plans that consider clients' specific objectives, risk tolerance, time horizons, and priorities. His client focus areas include college education planning, family wealth management strategies, retirement planning, philanthropic planning, small business strategies, socially responsible and values-based investing, individual and corporate investment strategy, tax minimization, and retirement income. Nicholas holds a Bachelor's Degree from SUNY Albany and has earned professional designations as a CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Outside of his professional responsibilities, he is involved in organizations such as CDARPO and The Arts Center of The Capital Region. In his personal time, Nicholas enjoys boating, fishing, hunting, skiing, soccer, traveling, and spending time with his wife and three daughters.

Erin Leonard is a Vice President and Financial Consultant at Fidelity Investments, a role she has held since 2013. Prior to this, she served as a Financial Advisor at several firms including LPL Financial from 2011 to 2013, Purshe Kaplan Sterling from 2010 to 2011, Raymond James & Associates, Inc in 2009, and UBS Financial Services, Inc from 2007 to 2009. Her work focuses on partnering with individuals and families to develop, implement, and maintain tailored financial plans that emphasize saving, spending, and protecting assets. She is committed to helping clients position themselves to achieve their financial goals. Outside of her professional duties, Erin enjoys fitness, hiking, music, outdoor adventures, skiing, and traveling.

Richard Tomisman is a financial advisor with LPL Financial, holding a Series 63 designation and 12 years of industry experience. He has previously worked at Securities America Advisors, Inc., Cadaret, Grant & Co., Inc., and operates CP Capital Management, LLC, an investment-related 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 of advisers. The firm offers a range of advisory programs and retirement plan consulting, providing both discretionary and non-discretionary portfolio management supported by in-house and third-party research.

Robert Fretto is a financial advisor with Charles Schwab, holding a Series 66 designation and eight years of industry experience. His career includes roles at Charles Schwab Bank, Charles Schwab & Co., TD Ameritrade, and AXA Advisors. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines a large client base with integrated brokerage, custody, and advisory functions, offering both non-discretionary guidance and access to discretionary separately managed accounts.