John Rahe is a financial advisor with Merrill, holding a Series 66 designation and four years of industry experience. He has worked at Bank of America, N.A. and Merrill since 2022, following eight years at Bank of America, NA. Outside of his advisory role, Rahe owns and manages rental properties in Kingston, NY. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Donna Stewart is a financial advisor at LPL Financial with 27 years of industry experience. She previously worked at Key Investment Services LLC and KeyBank from 2016 to 2023, and is currently affiliated with Pioneer Bank as a Premier Relationship Manager. 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 consulting, and provides both discretionary and non-discretionary management supported by research and various investment strategies.

Joseph Geis Jr. is a financial advisor with LPL Financial in Troy, NY, holding Series 63 and Series 66 credentials and bringing 30 years of industry experience. He has worked at Pioneer Bank and Sterling National Bank, among other firms. Outside of his advisory role, he owns a small family business selling products online. LPL Financial is an SEC-registered investment adviser and broker-dealer serving 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 supported by model portfolios and third-party research.

Michael Rowe is a financial advisor with LPL Financial in Delmar, NY, holding a Series 63 designation and 23 years of industry experience. He has been with LPL Financial, including its predecessor LINSCO/PRIVATE LEDGER CORP., since 2007. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research from multiple sources to support both discretionary and non-discretionary management.

David Martin is a financial advisor with Merrill in Latham, New York, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has been affiliated with Merrill since 2008 and also has a role at Bank of America, N.A. since 2015. Outside of his advisory work, Martin serves as an officer and volunteer at the Children's Museum at Saratoga. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional investors, offering managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm provides investment management through multiple program strategies and emphasizes integration with Bank of America affiliates and tax-focused implementation tools.

Sarah Paige is a financial advisor with LPL Financial, holding a Series 66 designation and one year of industry experience. She has worked at LPL Financial and Pachira Wealth Management since 2024. Her prior experience includes roles outside the financial industry, such as positions at SUNY Oneonta and Cooper's Cave Ale Company. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services through a national network of investment adviser representatives.

Christina Capobianco is a CFP® professional with seven years of industry experience, currently affiliated with Cetera. She has previously worked at BlackRock Investments LLC and supports a principal at Capobianco & Associates, LLC. In addition to her advisory role, she is involved in the sale of fixed insurance products. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and retirement services, operating a multi-manager platform that allows advisors to implement various investment strategies across multiple program structures.

Laurie Hasso is a CFP® and ChFC® credentialed financial advisor with 43 years of industry experience. She is currently with LPL Enterprise and has previously worked at Prudential Insurance Company of America, Pruco Securities, Equity Services Inc, and National Life Group. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, third-party asset management arrangements, and brokerage and insurance products.

Robert Manor is a financial advisor with UBS Financial Services in Albany, NY. He holds a Series 66 designation and has been in the financial industry since 2024. His prior experience includes roles at Goldman Sachs and H&R Block, as well as work in healthcare and academia. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to create tailored financial plans. The firm combines institutional trading capabilities with wealth management services and offers a broad range of financial products and capital markets services.

Laurie Schlossberg is a financial advisor at Merrill with nine years of industry experience. She holds a Series 66 designation and has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2016. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Chancy Darcangelis is a financial advisor with LPL Financial, holding the ChFC® designation and Series 63 license, and has 40 years of industry experience. Prior to joining LPL Financial in 2023, Darcangelis worked at Mass Mutual Investors Services and MassMutual Life Insurance Company, and previously spent over three decades at Metlife Securities Inc. He is also involved with Charter Oak Financial, a division of Mass Mutual, as a licensed agent selling life, long-term care, disability, and fixed annuity products. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, with access to model portfolios, research, and various investment strategies.

Philip Cortese is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 26 years of industry experience. He has worked at LPL Financial since 2016 and has been affiliated with Pioneer Savings Bank since 2015. Outside of his advisory roles, he is involved with Peak Lifestyle, a limited partnership unrelated to investments. LPL Financial serves a broad client base including individuals, retirement plans, banks, and charitable organizations, offering a range of advisory programs, financial planning, and brokerage services. The firm provides both discretionary and non-discretionary management, access to model portfolios and research, and integrates various strategies and technologies into its investment approach.

Carlos Martinez is a financial advisor with Wells Fargo Clearing in Rotterdam, NY, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has worked at Wells Fargo Advisors LLC from 2009 to 2016 before joining Wells Fargo Clearing, where he has been since 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Renu Kallianpur is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. She has been with LPL Financial since 2018 and also works with INVEST Financial Corporation. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers various advisory programs, financial planning, and retirement plan consulting, supported by research and model portfolios from LPL Research and third-party subadvisors.

Tara Hutchins is a financial advisor at Wells Fargo Clearing with nine years of industry experience. She holds the Series 66 and Series 63 designations and has worked at Wells Fargo Clearing Services LLC since 2017. Prior to that, she was involved with the Adult and Senior Center of Saratoga for one year. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Liam Rice is a financial advisor at Cetera with three years of industry experience. He holds the Series 66 designation and previously worked at firms including Bank of America, Merrill, Morgan Stanley, and LPL Financial. Outside of his advisory role, he coaches youth soccer. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and advisory services through a multi-manager platform with access to affiliated and third-party managers, supporting both discretionary and non-discretionary strategies.

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.