Liam Ambrosio is a Financial Advisor with Merrill Lynch Wealth Management, based in Latham, New York. He focuses on understanding his clients' unique situations to provide tailored financial solutions. His expertise includes employee benefits planning, executive compensation, family wealth management strategies, investment consulting for defined contribution plans, portfolio management, individual and corporate investment strategy, and tax minimization. Liam holds a Bachelor's Degree from the State University of New York System and has earned the Personal Investment Advisor (PIA) designation. He is affiliated professionally with Merrill Lynch. Outside of his professional work, Liam resides in Saratoga Springs and is involved with the Lucky Puppy Rescue community organization. His personal interests include adventure sports, basketball, chess, cooking, fishing, football, golfing, pickleball, volleyball, yoga, travel, horse races, and hiking.

Austin Weaver is a financial advisor at Fidelity with two years of industry experience. He holds a Series 66 designation and has previously worked at Pioneer Bank, Soverance Labs, and Bryant University. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios composed of mutual funds, ETFs, and ETPs.

Brian Garnets is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 registrations and bringing 30 years of industry experience. His prior work includes roles at Ic Advisory Services Inc, The Investment Center Inc, and National Planning Corporation. Outside of his advisory career, he owns SPENCER AVERY INC., a non-investment business. Equitable Advisors serves a diverse client base, including individuals, retirement plans, corporations, and charitable organizations, offering financial planning and asset management through a network of Investment Adviser Representatives. The firm utilizes a range of third-party advisory programs and provides fiduciary services to qualified plans.

Emily Muhvich is a financial advisor at Equitable Advisors with 12 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Equitable Advisors and Axa Advisors LLC since 2014. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by offering financial planning, retirement plan consulting, and a variety of asset-management programs. The firm uses a range of third-party asset managers and advisory programs to tailor investment solutions based on clients’ risk tolerance and personal or plan information.

Lauren Woodcock is a financial advisor with Equitable Advisors based in Malta, NY, holding Series 63 and Series 65 licenses and having 13 years of industry experience. She has been with Equitable Advisors and its predecessor firm since 2013, including a seven-year period with AXA Advisors, LLC. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party advisory programs and maintaining a focus on matching clients to appropriate investment models and managers.

Andrew Minnick is a Planning Consultant at Fidelity Investments, where he collaborates with individuals and their families to address their financial needs. In his role, he provides holistic guidance and develops strategies aimed at helping clients achieve financial peace of mind. Prior to joining Fidelity Investments in 2024, Andrew served as a Private Wealth Manager at CIM LLC from 2020 to 2024. He also held positions at AYCO, a Goldman Sachs Company, including Team Leader from 2018 to 2020 and Senior Financial Analyst from 2014 to 2018. Outside of his professional work, Andrew enjoys spending time at the beach, camping, cooking and baking, as well as engaging in sports such as football, golf, and swimming.

Harry Hartman is a financial advisor with LPL Financial in Albany, NY, holding a Series 66 designation and 21 years of industry experience. He has been with LPL Financial since 2007. Outside of his advisory role, he is involved with Capcom Financial Services, a non-variable insurance business. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Stephen Peer is a financial advisor with Cetera, holding a Series 66 designation and bringing 43 years of industry experience. His prior roles include Voya Financial Advisors and operating Peer Wealth Management, an independent financial services business. He is also involved in fixed insurance product sales through his activities as an independent insurance agent. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supported by over 10,000 advisors and $256 billion in assets under management.

Kayla Kohl is a Financial Advisor and Senior Portfolio Advisor with Merrill Lynch Wealth Management in Latham, NY. She has more than five years of experience assisting individuals and families with financial decisions. Her areas of focus include retirement planning, wealth accumulation strategies, tax-efficient investing, and planning for life's transitions. She works closely with clients to develop strategies tailored to their financial goals, emphasizing comprehensive planning beyond investments alone. As a Senior Portfolio Advisor, Kayla manages discretionary custom investment strategies, utilizing Merrill Lynch Wealth Management model portfolios and third-party investment strategies to help clients pursue their objectives. Kayla holds a Bachelor's Degree from the University of Miami and holds the CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA) designations. Outside of work, she enjoys cooking, hiking, running, and spending time with her family.

Francesca Mills currently serves as a Planning Consultant. She has an extensive background in investment consulting and leadership, having held several roles at Fidelity Investments from 2017 to 2026, including Investment Consultant, Investment Solutions Team Leader, New Hire Onboarding Coach, Investment Solutions Representative, and Customer Relationship Advocate. Francesca focuses on partnering with clients to develop thoughtful and aligned financial strategies, emphasizing integrity and transparency in prioritizing clients' financial well-being. Her professional experience encompasses various aspects of investment solutions and client relationship management. While specific educational credentials were not provided, her progressive roles at Fidelity Investments reflect a strong foundation in investment consulting and team leadership. Outside of her professional career, Francesca's personal interests include golf, pets, reading, running, and tennis.

Kenneth Parow Jr. is a financial advisor at Edelman Financial Engines with six years of industry experience. He holds a Series 66 designation and has previously worked at Financial Engines Advisors L.L.C., Bank of America, Merrill, and Citizens Bank. Outside of finance, he also works as a bartender at Active Ingredient Brewing Company in Malta, New York. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines proprietary modeling with planner delivery and online tools, offering a range of discretionary and non-discretionary management solutions focused on diversified portfolios and long-term investment strategies.

Michael Barnes is a Senior Financial Advisor with Merrill Lynch Wealth Management. He focuses on developing personalized financial strategies to help clients pursue their long-term goals through one-on-one collaboration. His areas of expertise include college education planning, family wealth management strategies, personal retirement planning, portfolio management services, tax minimization, retirement income, and services for endowments, foundations, and non-profits. Michael holds a Bachelor's Degree from SUNY Oneonta and has earned the designation of Personal Investment Advisor (PIA). He follows Merrill’s tradition of community involvement, dedicating time to volunteering with local organizations. Through his role, he provides clients access to Merrill’s investment insights along with the banking and lending solutions of Bank of America.

John Hendricks is a financial advisor with Morgan Stanley in Pensacola, FL, holding Series 63 and Series 65 credentials and over 31 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm‑approved tools.

Levi Ashley is a Financial Consultant at Fidelity Investments, where he partners with clients to co-create financial plans and investment strategies that align with their life goals. He began his current role in 2024 after serving as a Planning Consultant at the same firm from 2022 to 2024. Levi's professional experience includes positions at Merrill Lynch as a Financial Solutions Advisor and Registered Wealth Management Client Associate in 2022 and 2021-2022 respectively. He also worked as a Compliance Officer at Purshe Kaplan Sterling Investments from 2020 to 2021, a Registered Client Associate at Morgan Stanley from 2019 to 2020, and a Financial Assistant at Halliday Financial in 2018. Outside of his professional work, Levi enjoys camping, fishing, and outdoor adventures.

Anthony Di Pace is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and nine years of industry experience. His prior roles include positions at Bank of America, Merrill, Edward Jones, KeyBank, and Citizen's Bank. He is currently based in Clifton Park, NY. 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 and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Chelsea Mcauliffe is a financial advisor at Equitable Advisors with 11 years of industry experience. She holds Series 63 and Series 65 designations and has been with Equitable Advisors since 2015, following her tenure at Axa Advisors LLC. She also serves as power of attorney for her husband. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management programs to a diverse client base, including individuals, pension plans, corporations, and charitable organizations. The firm utilizes a range of advisory models and third-party asset managers, emphasizing fiduciary services and integrating both proprietary and external investment solutions.

Shamus McCullough is the Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2019. He has been with Fidelity Investments since 2008, progressing through various roles including Financial Representative, Investment Solutions Representative, Fixed Income Specialist, Investment Consultant, and Financial Consultant. In his current role, Shamus assists clients in creating personalized financial plans and adjusting their investment and income strategies to help achieve their individual financial goals. His professional experience encompasses a broad range of roles within Fidelity Investments, providing him with a comprehensive understanding of investment and financial consulting. Outside of his professional work, Shamus enjoys biking, gardening, visiting museums, engaging in outdoor adventures, skiing, and traveling.

John Malicki is a financial advisor with Morgan Stanley in Latham, NY, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by approved tools and modeling techniques.

Mark Papuzza is a financial advisor with LPL Financial and holds a Series 66 designation. He has 10 years of industry experience, including prior roles at INVEST Financial Corp. and Empire Financial Advisors. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, and institutions. The firm offers a range of financial planning and investment solutions, including model portfolios, third-party asset management, and institutional platforms.

David Morrison is a financial advisor with Wells Fargo Clearing in Albany, NY, holding a Series 63 designation and 29 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. 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, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.