Rhonda Viapiano is a financial advisor at Morgan Stanley with 39 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Morgan Stanley Smith Barney LLC since 2014. Outside of her advisory work, she is also an artist involved in the art and culture sector. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs, including tailored financial planning and estate planning strategies. The firm employs structured planning tools and modeling techniques to assist clients, managing approximately $2.74 trillion in client assets.

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.

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.

Todd Smolen is a financial advisor with LPL Financial holding a Series 66 designation and 18 years of industry experience. Prior to joining LPL Financial in 2023, he worked at Ayco/Goldman Sachs and The AYCO Company, L.P./Mercer Allied from 2007 to 2023. Outside of his advisory role, he is involved with Smolen Wealth Management Group LLC, which provides tax preparation and accounting services. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs and financial planning services, combining discretionary and non-discretionary management with research and model portfolios from multiple sources.

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.

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.

Joseph Vidarte is a financial advisor with LPL Financial, holding a Series 66 designation and six years of industry experience. Prior to joining LPL Financial in 2025, he worked at Merrill and Bank of America, N.A. He also spent three years with Mountainman Outdoor Supply Co. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios and research from both in-house and third-party sources.

William Scotti is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing eight years of industry experience. His prior roles include positions at Northwestern Mutual Investment Services LLC, Axa Advisors LLC, and Phoenicians Mediterranean Palace, as well as experience in the restaurant business at 15 Church Restaurant. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm offers various advisory programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party solutions without sponsoring its own wrap fee program.

Mark Pierre is a Series 66-credentialed financial advisor with Morgan Stanley in Saratoga Springs, NY, and has 24 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of finance, he is involved with Mark Pierre Music, a private company based in Waterford, NY. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methods such as Monte Carlo simulations. The firm manages approximately $2.74 trillion in client assets and offers services through both direct and corporate financial planning agreements.

Thomas Leece is a financial advisor with Primerica Advisors in Clifton Park, NY, holding a Series 63 designation and 18 years of industry experience. He has worked with PFS Investments, Inc. since 2008 and Primerica Financial Services since 2007. Outside of advising, he is involved in sales of loan products and referrals for home security and automation services through affiliates of his firm. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm relies on model-delivery strategies managed by unaffiliated asset managers and offers discretionary separately managed account options, with trade execution and custody supported by BNY Mellon Advisors and Pershing.

Daniel Genevick is a financial advisor with Mass Mutual Investors Services in Saratoga Springs, NY, holding Series 65 and Series 63 designations and five years of industry experience. His prior roles include positions at Northwestern Mutual Wealth Management Company and Northwestern Mutual Life Insurance Company. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of planning programs and educational seminars, employing firm-approved software tools to deliver collaborative, goal-oriented recommendations.