Ralph Lemme is a financial advisor with UBS Financial Services in Albany, NY, holding Series 63 and Series 65 designations and bringing 37 years of industry experience. He has been with UBS since 2014. He has served as an officer and board member for local nonprofit organizations focused on community parks and youth rowing programs. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory services, incorporating proprietary capital market research and model-based asset allocations. The firm combines institutional trading capabilities with wealth management and offers a variety of investment products and capital markets services.

Kemal Garuc is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds a Series 66 designation and has worked at JP Morgan Chase Bank and Bank of America, including Merrill, prior to his current roles. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering non-discretionary programs supported by an in-house manager solutions team and centralized due diligence.

Ralph Figueroa is a financial advisor with Mass Mutual Investors Services in Latham, NY, holding Series 63 and Series 65 licenses and 44 years of industry experience. He has been with Mass Mutual Investor Services since 1982 and also has worked with MassMutual Life Insurance Company since 1976. Outside of advisory work, he is an insurance agent specializing in individual life, disability, long-term care, and fixed annuities. Mass Mutual Investors Services, a subsidiary of MassMutual, serves individuals, business owners, trusts, estates, charitable organizations, and employers by offering financial planning, asset management, and educational seminars. The firm emphasizes collaborative, annual financial planning engagements that use firm-approved analytical tools to provide written recommendations tailored to client goals.

Gavin Quinn is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and two years of industry experience. He has worked with MassMutual Life Insurance Co. since 2024 and MML Investors Services, LLC since 2021. Previously, he was affiliated with the Troy Country Club from 2016 to 2022. MassMutual 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 collaborative, annual financial planning engagements using firm-approved tools and also provides specialized programs such as divorce planning and employer-sponsored planning.

Jonathan Laparl is a CFP® professional with 19 years of experience in the financial services industry. He has worked at OSAIC since 2018 and previously spent 11 years with Signator Investors, Inc. He is also involved in financial planning and investment advisory through his sole proprietorship, Threesixty Wealth and Financial Management, and serves as an executor of an estate. OSAIC serves a wide range of clients, including individual investors, institutions, and charitable organizations, providing integrated brokerage and advisory services with a focus on diversified portfolio construction using firm-supported tools and third-party offerings.

Keagan O'Connor is a Financial Consultant at Fidelity Investments. In this role, he focuses on assisting individuals with strategic financial planning and providing personalized guidance to help clients work toward their financial goals. Prior to joining Fidelity, Keagan worked as a Financial Analyst at Goldman Sachs (AYCO) from 2019 to 2023. His professional experience includes investment consulting and financial analysis, contributing to his expertise in financial services. Outside of his professional career, Keagan's personal interests include board games, football, golf, music, and attending social events with friends.

Richard Daniels is a Series 63-registered financial advisor with LPL Financial, based in Albany, NY. He has 43 years of industry experience, including 36 years with LPL Financial. Daniels is also involved in direct insurance sales focused on fixed annuities. 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, supported by a large network of investment adviser representatives.

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.

Connor Benoit is a financial advisor with Equitable Advisors holding a Series 66 designation and has been with the firm since 2026. Prior to joining Equitable Advisors, he worked at Regal Cinemas and Price Chopper, and attended SUNY Cortland. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm utilizes a network of Investment Adviser Representatives and offers a range of advisory programs and third-party asset management solutions.

Laura Sausville is a financial advisor with Edward Jones in Troy, NY, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. She has worked at Edward Jones since 2021 and previously held positions at LPL Financial, Healthcare Community Securities Corp, and Citizens Bank. Outside of her advisory work, she serves as trustee of a family trust. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs and managed solutions. The firm manages over $1 trillion in assets and operates a large network of financial advisors and branch offices nationwide.

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.

Benjamin Murphy is a financial advisor at LPL Enterprise with 33 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with firms including KKMB Financial, Securities America, and Invest Financial Corp. Outside of his advisory work, he has been involved with the Saratoga County Board of Elections since 2007. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm employs a model-driven investment approach using portfolios developed by LPL’s Research Department and third-party strategists, and it offers access to a range of financial planning and asset management solutions.

Cody Wojdyla is a Series 66 licensed financial advisor with 21 years of industry experience, currently with LPL Financial since 2020. He previously worked at Cambridge Investment Research Advisors, Inc. and Equitable Advisors. Outside of his advisory role, he is involved with business entities held for tax and investment purposes. 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 advisory services including financial planning, model portfolios, third-party asset management, and institutional platforms, with advice delivered primarily by investment adviser representatives using discretionary and non-discretionary strategies.

Richard Pombo is a financial advisor with LPL Financial in Albany, NY, holding a Series 63 license and 25 years of industry experience. He has worked at LPL Financial since 2025 and previously operated Pombo Wealth Management and was affiliated with Cadaret, Grant & Co., Inc. Pombo is involved in several business activities including Pombo Family Holdings Co., LLC and Pombo Insurance Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, 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, supported by a large network of advisors.

Erick Richardson is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been in the financial services field since 1996 and joined Merrill Lynch Wealth Management in 2006. Erick works with clients to help them pursue their retirement goals. He is a qualified Portfolio Manager who provides traditional advice and guidance, and also builds and manages personalized or defined strategies that may incorporate individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. When servicing clients through the firm's Investment Advisory Program, he may manage his strategies on a discretionary basis. Erick holds a bachelor's degree in economics from the State University of New York at Albany. He has earned the Chartered Retirement Planning Counselor (CRPC) designation and holds the Personal Investment Advisor (PIA) designation. Erick was named to Forbes' "Best-in-State Wealth Advisors" list in February 2022. He grew up in Greenville, New York, and currently lives in Saratoga Springs with his wife, Jill, and their two children.

Andrew Hugos is a financial advisor with LPL Financial, holding a Series 63 designation and over 43 years of industry experience. He has been with LPL Financial since 1996 and serves in the US Army Reserves since 1989. Outside of advisory work, he is a Chartered Life Underwriter (CLU) and consults on non-variable insurance and retirement needs. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management solutions through a large network of investment adviser representatives.

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 over 26 years of industry experience. He has been with LPL Financial since 2004 and also maintains a role at Cusack & Company CPAs where he focuses on tax preparation, accounting, and bookkeeping. Cuda operates under the DBA Albany Financial Group and participates in the CPA affiliate program. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

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.