Graypoint LLC is a registered investment adviser founded in 2019 through a merger. The firm offers investment advisory services to various clients, including individuals, high-net-worth individuals, families, charitable organizations, corporations, and retirement plans. They provide personalized investment portfolios based on client needs, with account supervision on both discretionary and non-discretionary bases. Additionally, Graypoint LLC offers financial planning services covering areas such as personal finance, tax planning, investments, insurance, retirement, and estate planning. The firm acts as a fiduciary, obligated to act in the best interests of clients and disclose any conflicts of interest. Clients must have a minimum of $500,000 in assets under management, which may be negotiable. Graypoint LLC does not accept performance-based fees and has not faced any legal or disciplinary actions. The firm's investment strategies include fundamental, technical, quantitative, and qualitative analysis, as well as asset allocation and mutual fund/ETF analysis. Graypoint LLC may aggregate trades and offers check writing authority, trusteeship, and account transfer services. Clients receive quarterly statements from the custodian holding their assets, and the firm does not vote proxies on behalf of clients. Graypoint LLC has no financial commitments impairing its ability to meet client obligations.

Independent Family Office, LLC is a financial advisor firm founded in 2005, based in Albany, NY. The firm specializes in providing wealth management services to high net worth individuals, families, affiliated entities, and charitable entities. Services offered include comprehensive financial planning, investment supervisory services, retirement account management, and financial planning. The firm acts as a fiduciary, upholding a duty of loyalty, fairness, and good faith towards each client. Investment strategies are tailored to individual client needs, with a focus on asset allocation, risk assessment, and investment vehicle selection. Clients have the option to grant limited trading authority to the firm. IFO charges fees based on assets under management, ranging from 0.20% to 0.75% annually. The firm does not accept performance-based fees and does not participate in wrap fee programs. Clients are provided with regular reports on performance, allocation, and volatility. IFO does not receive referral fees or soft dollar benefits. The firm does not vote proxies on behalf of clients and maintains strict confidentiality and ethical standards. Clients have the option to authorize fee payments directly from their accounts. The firm does not have custody of client assets but may act as trustee for certain client trusts. Clients receive quarterly custodial statements and have the option to grant discretionary authority to manage their accounts.

Arista Wealth Advisors, LTD. is a registered investment advisor founded in 1988, specializing in personalized financial and estate planning, and investment management for individuals, pension participants, trustees, charitable organizations, and small business owners. The firm operates strictly on a fee-only basis, avoiding commissioned products and affiliations with entities selling financial products. Clients maintain control over their assets, with Arista Wealth Advisors providing investment advice and executing trades under limited power of attorney. The firm's investment strategy focuses on strategic asset allocation using a core and satellite approach, primarily investing in no-load mutual funds and exchange-traded funds. Arista Wealth Advisors offers financial planning and advisory services, with fees based on a percentage of assets under management or hourly charges. The firm requires a minimum account balance of $250,000 for its asset management service, which may be waived in certain cases. Clients receive regular portfolio reports and account statements from the custodian, typically Charles Schwab & Co., Inc. Arista Wealth Advisors exercises discretionary authority for trading with client approval and maintains a limited power of attorney for account management. The firm does not engage in proxy voting unless authorized by clients. Arista Wealth Advisors has no reportable disciplinary events and maintains financial stability to meet client commitments.

AllSquare Wealth Management, LLC, established in March 2025, is a registered investment adviser based in Albany, NY. The firm specializes in providing integrated wealth management services to individuals, high net worth individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. Principals Douglas J. Bauer and Daniel D. Bauer lead the firm. AllSquare Wealth offers financial planning and consulting services, investment management on a discretionary or nondiscretionary basis, and tax preparation services. Clients can engage the firm with no minimum account size requirement. AllSquare Wealth acts as a fiduciary, obligated to act in clients' best interests. The firm charges fees based on assets under management, with a tiered fee structure. Clients may also incur fees from qualified custodians for transactions. AllSquare Wealth primarily uses fundamental analysis for investment decisions and implements a passive investment strategy using ETFs, mutual funds, and individual securities. The firm conducts regular account reviews and provides clients with detailed reports. AllSquare Wealth does not participate in performance-based fees, soft dollar benefits, or proxy voting on behalf of clients. The firm has no disciplinary disclosures and maintains custody over client assets through qualified custodians. AllSquare Wealth does not vote proxies on behalf of clients and does not have any financial conditions that may impair its ability to meet commitments.

Greenbush Financial Group, LLC is a financial advisory firm based in Albany, New York. It currently has approximately $236,415,792 of assets under management and employs about 5 people. Greenbush Financial Group, LLC uses a fee structure of a percentage of assets under your management, hourly charges, fixed fees, commissions, performance-based fees and review and monitoring fees.

Arista Advisory Group, LLC is a financial advisory firm based in Albany, NY, established in October 2016 by Gerald Max Schwartz. The firm specializes in portfolio management services tailored to individual client goals, risk tolerance, and time horizons. Services include investment strategy, asset allocation, and regular portfolio monitoring. Arista Advisory Group acts as a fiduciary, making investment decisions in the best interest of clients. The firm offers pension consulting services, financial planning, and limits its investment advice to various securities, including mutual funds, fixed income securities, and real estate funds. There is no minimum account size required for clients. Fees for portfolio management are asset-based, ranging from 0.60% to 1.00% annually, depending on the total assets under management. Clients may terminate agreements within specific timeframes without penalty. The firm does not participate in wrap fee programs. Arista Advisory Group does not accept compensation for the sale of investment products and does not charge performance-based fees. The firm's investment strategies include fundamental analysis, modern portfolio theory, and quantitative analysis, with a focus on long-term trading, margin transactions, and options trading. Clients receive quarterly account reviews and reports. Gerald M. Schwartz and Bernard C. Murphy are the key advisors at the firm, both Certified Financial Planners with extensive experience in the financial industry.

Broadway Advisor Group, LLC, operating as Sgroi Wealth, is a Limited Liability Company established in October 2022 by Jason Michael Sgroi and Michael Anthony Sgroi. The firm offers portfolio management services tailored to individual client goals, risk tolerance, and time horizons. Clients receive Investment Policy Statements outlining their current financial situation. BAG seeks discretionary authority from clients to make investment decisions in line with fiduciary duties. The firm's investment strategies include long-term trading, short sales, margin transactions, and options trading. BAG charges asset-based fees for portfolio management and pension consulting services, with fees ranging from 0.10% to 1.50% based on assets under management. Clients may impose restrictions on investments based on personal values. BAG does not accept performance-based fees and provides services to individuals, high-net-worth individuals, and pension and profit-sharing plans. The firm's methods of analysis include fundamental analysis, modern portfolio theory, and technical analysis. BAG has a Code of Ethics covering various areas and conducts periodic reviews of client accounts. Clients receive quarterly reports detailing account performance. The firm does not accept compensation for the sale of investment products and does not have any disciplinary actions or bankruptcy petitions in the last ten years.

AlbanyAdvisor Group LLC is a registered investment advisor established in September 2021 and based in Albany, NY. The firm offers investment advisory services to individuals, high net worth individuals, trusts, estates, small businesses, and retirement plans. As a fiduciary, the firm upholds a duty of loyalty, fairness, and good faith towards each client. Investment management services provided by AlbanyAdvisor Group LLC include discretionary or non-discretionary investment management, customized investment advisory solutions, and continuous personal client contact. The firm primarily focuses on long-term investment strategies but may buy, sell, or reallocate positions based on client objectives or market conditions. The fee structure for investment management services ranges from 0.50% to 1.50% annually, based on factors such as the scope of services, assets under management, and the overall relationship with the advisor. Financial planning services are offered for a fixed engagement fee based on the scope of work. Retirement plan advisory services are charged an asset-based fee of up to 1.00% annually. AAG does not charge performance-based fees and does not manage proprietary investment funds. The firm does not accept or maintain custody of client accounts, except for the authorized deduction of fees. Clients are required to engage a qualified custodian to safeguard their funds and securities. AAG does not engage paid solicitors for client referrals and does not receive commissions from product sponsors or third parties. The firm's Privacy Policy ensures the security and confidentiality of clients' personal information and outlines how information is collected, shared, and protected. Clients have the right to limit some information sharing as per federal and state laws.