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.

William Hazelton is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has more than 30 years of experience in the financial services industry, having started his career in institutional fixed income trading and sales, where he advised small to mid-sized money managers and insurance companies. Since joining Merrill Lynch in 2005, he has worked closely with clients to develop customized equity and fixed income portfolio strategies, emphasizing disciplined risk management and long-term relationships. William holds several professional designations, including the Certified Investment Management Analyst (CIMA) certification earned after completing the educational component at The Wharton School of The University of Pennsylvania. He also holds the CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA) designations. He earned his bachelor's degree from Gettysburg College. Outside his professional work, William is a licensed New York State Emergency Medical Technician and volunteers with the Ballston Lake Emergency Squad. He enjoys staying active, spending time with his family, and pursuing interests such as fitness, hunting, and fishing.

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.

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.

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 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.

Benjamin Murphy is a financial advisor with LPL Enterprise in Mechanicville, NY, holding Series 63 and Series 66 licenses and over 33 years of industry experience. His prior roles include lengthy tenures at KKMB Financial and Securities America, with additional experience at Invest Financial Corp and the Saratoga County Board of Elections. Outside of his advisory work, he is involved with Levy Concessions in a non-investment related capacity. LPL Enterprise serves a diverse client base that includes individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, consulting, access to model wealth portfolios, third-party asset management, and brokerage and insurance products through an integrated platform combining advisory and product sales.

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.