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.

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.

Robert Fretto is a financial advisor with Charles Schwab, holding a Series 66 designation and eight years of industry experience. His career includes roles at Charles Schwab Bank, Charles Schwab & Co., TD Ameritrade, and AXA Advisors. 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 large client base with integrated brokerage, custody, and advisory functions, offering both non-discretionary guidance and access to discretionary separately managed accounts.

Jeffrey Dievendorf is a financial advisor with Primerica Advisors in Delmar, NY, holding a Series 63 designation and over 23 years of industry experience. He has been affiliated with Primerica Financial Services since 1998 and PFS Investments, Inc. since 2002. Outside of his advisory role, he is a director at Ellis Alexander Consulting and owns Pearls & Diamonds LLC. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, offering model-driven strategies managed by unaffiliated asset managers. The firm operates at scale with nearly 3,700 advisors and approximately $15.5 billion in assets under management.