Our Team

We have been working with individuals and businesses in the area for several years and have extensive personal and professional experience. We hold various professional designations and, as qualified representatives, are licensed to sell a variety of investment and insurance products.

We are dedicated to developing lasting relationships with all our clients. We believe in helping you assess your financial goals and participate in the management of your finances. One of the benefits of working with us is our ability to provide clear, easily understood explanations of financial solutions and services. The personalized program that we can provide is a roadmap to working toward a more secure financial future.

We look forward to using our experience to help you pursue your financial goals.
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Jeffrey J. Pollard, CRPC®
Senior Vice President/Wealth Management, Financial Advisor
About Jeffrey

With two decades of professional wealth management experience, Jeff draws on a wide-ranging skill set to create custom investment portfolios and financial plans for his diverse list of clients. Jeff’s focus on financial planning, risk management, retirement income optimization, and tax efficiency allows his clients to have confidence in his methodology.

Jeff earned a BS from St. Michael’s College in Colchester, Vermont, and early in his career, he earned the Chartered Retirement Planning Counselor (CRPC) designation from the College for Financial Planning. Playing lacrosse at St. Michael’s instilled the importance of instituting a team approach to running his advisory practice, which has only strengthened over time. Today each team member has a critical area of focus that ensures clients receive the best possible advisory service available in our industry.


Jeff holds Series 7 and Series 66 securities licenses and NY Life, Accident, and Health Insurance Licenses. He is an Assistant Coach of the Men's Lacross at Skidmore College in Saratoga Springs, NY. He is also a member of the New York State Partnership Program for Long-Term Care Insurance. Jeff sits on various community organization boards and committees in his native hometown of Saratoga Springs, where he and his wife, Hartley, are raising their three daughters, Abigail, Amelia, and Grace. Family vacations, playing golf, fishing, and exploring the outdoors are his favorite pastimes away from the office.

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Raymond C.H. Bryan
First Vice President/Wealth Management, Financial Advisor
About Raymond

Ray earned his BA from Skidmore College, and his MBA from Fordham University, focusing on Finance and Media and Communications. He also attended the Executive Publishing Program at Stanford University’s Graduate School of Business. Raymond holds his General Securities (Series 7), Uniform Registered Investment Advisor Law (Series 65) and his Uniform Securities Agent State Law (Series 63). He also holds his New York Life, Accident, and Health Insurance and Annuities License.

Ray advises families who are going through significant liquidity events, working with them and helping them set-up their investment plans and process. In addition, he has also Chaired an Investment Subcommittee overseeing $300 million in assets. Prior to entering the wealth management business, he worked in a variety of capacities in both start up and large corporations acting as a key member of executive management teams. His responsibilities have consisted of, but are not limited to, financial reporting, financial analysis, budgeting and organizational development and planning.

Ray is the current Vice President of the Saratoga Springs Senior Center. He is also a former member of Parent's Council and President’s Advisory Council at Skidmore College. He devotes much of his spare time to various non-profits and enjoys skiing, golfing, boating and horse racing. Most of all, he enjoys spending time with his family.

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John E. Carl
First Vice President / Wealth Management, Financial Advisor
About John

John has been providing planning and diversified financial services for over four decades to corporations and individuals. John has over 3 decades of extensive experience in advising Retirement Plans including 401(k) plans, 403(b) plans, 457(b) plans, Profit Sharing Plans, and Supplemental Executive Plans. He has been involved in Retirement Plan mergers and acquisitions and their conversions. As a prior KeyCorp executive, John was responsible for nationwide corporate planning, forecasting, mergers and acquisitions. He has also been involved in investment banking and international portfolio management.   

John’s education includes an MBA from the State University at Albany and a Bachelor of Science degree in Accounting from Siena College. He was a prior member of the New York State Charter of Certified Public Accountants and the AICPA. 

Giving back to the community is a large part of John’s life. John has participated on the Boards of several not-for-profits that provide human services, youth counseling and education. He has been involved in mission work for youth in Guatemala and Uganda. His service to others has resulted in the successful completion of seven capital campaigns to provide youth and domestic violence shelters, inner city schools, food distribution centers and athletic fields.  

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Jacqueline E. Dufresne
Financial Advisor
About Jacqueline

Jacqueline E. Dufresne joined Pollard Bryan & Carl Wealth Management Group in 2023. With the added knowledge and experience of her team, Jackie is dedicated to helping individual investors meet their retirement goals, providing education around financial topics to her clients, and “bringing wall street to main street.”

Jackie has been active in the industry since 1995 and has been registered since 2001. She holds the Series 7, 63, and NY Life, Accident, and Health Insurance licenses. Prior to joining Janney, Jackie served as a Financial Advisor with Commonwealth Financial Network. 

Outside of the office, Jackie serves as a Board Member for Head Start of Eastern Orange County and a member of Newburgh Kiwanis. Jackie resides in Newburgh, NY with her partner, Christian, and their dog, Charlie. She has a daughter, Brittani, a grandson, Nicholas, and a granddaughter, Nora Jae. In her down time, Jackie enjoys camping, decorating, and spending time with her friends. Nicholas and Nora Jae, however, are the ones she devotes most of her energy to!

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Thomas E. Clune
Financial Advisor
About Thomas

Tom joined Janney Montgomery Scott in March 2022. With over 50 years of financial services experience, Tom can offer his

clients advice on financial, retirement, insurance, and estate planning. With Janney, he is provided with an outstanding array of

investment tools aimed at helping him analyze a client’s portfolio holdings and track market trends. He was attracted to the firm’s

boutique and independent culture and the opportunity to work with fellow Financial Advisors Jeff Pollard’s and Ray Bryan’s high

performance and established practice.

Tom’s client service philosophy is to put the client’s interest first. He is always learning and researching so he can keep up with the

ever-changing times. His sole purpose is to advise his clients how to meet their financial goals.

Tom has a BA from Middlbury College, he also holds an MBA from Penn Wharton. In his free time, Tom enjoys golfing and skiing.

Tom and his wife Susanne have two grown children, Justin and Kristie and three grandchildren.

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Dedra Brust, CFP®, CRPC®, APMA®
Senior Wealth Planning Associate
About Dedra

Dedra joined Janney Montgomery Scott, LLC in 2021 with extensive experience in the financial industry. Her primary role on our team is providing clients with financial planning solutions designed to generate wealth, maximize the value of their assets, protect their financial security, and ultimately to enhance their quality of life. She attends to client matters relating to investments, retirement, insurance, tax planning, budgeting and estate planning to help ensure the financial well-being of clients.

Dedra has obtained her Certified Financial PlannerTM professional certification from the CFP Board of Standards. Additionally, Dedra has received her designations as a Chartered Retirement Planning Counselor and Accredited Portfolio Management AdvisorSM.  Dedra is also a General Securities Representative with Series 7 and Series 66 licenses and possesses her Life, Accident & Health Insurance license with New York State. 

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James Thorp
Financial Advisor
About James

James has been working in the financial services industry for over 25 years. During his career studying investments, he has come to embrace the principles of value and patience as the basic cornerstones to building long-term wealth. As a client focused advisor, he is committed to a common-sense approach to investing and implements an investment plan in a thoughtful, methodical way. Throughout the investment process, communication about changing financial needs and circumstances is always incorporated and James is committed to being in close contact with his clients.

James’s career began in 1990 after his graduation from Georgetown University with a BA in Economics. He spent 10 years working in the finance industry in New York City at two large banks and during this time he obtained an MBA in Finance from The Fordham Gabelli School of Business at Lincoln Center in New York. In 2001, James moved back to the Capital District to pursue an opportunity with The Ayco Company, a subsidiary of Goldman Sachs. At Ayco, he was part of Goldman’s Investment Management Division. Hired as a Portfolio Manager, James was later promoted to lead Portfolio Manager in the Taxable Fixed Income group and held this position for 10 years. He has deep experience in the fixed income markets and had portfolio management responsibilities for separate account Taxable Fixed Income portfolios with assets of over $1 billion with investments in Corporate, Government and US Agency securities.    

James holds the FINRA Series 7, 24, 63 and 65 licenses. He is an active member of his neighborhood and church communities and is involved in various sports programs for his children. He and his family enjoy spending time at the beach in Long Island and attending sporting events locally and around the northeast.

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Buffy Leonard
Senior Registered Private Client Associate
About Buffy

Buffy has over 22 years of experience in the financial industry. She joined Janney Montgomery Scott in 2004 after working as a sales assistant at Smith Barney and an operations manager at Lehman Brothers and SG Cowen.


She has extensive knowledge of the financial industry, and she uses her knowledge to answer client questions, aid in portfolio construction and reviews, and assists in administrative and operational matters. Her number one priority is understanding the client’s personal and financial goals, which she uses to help clients navigate important life decisions. She is the key contact for estates and trusts and works as a liaison between accountants and lawyers.


Buffy has both her Series 7 and Series 63 securities licenses. She has earned the distinction of Business Productivity Specialist at Janney. She graduated from the University at Albany with a Bachelor of Arts in Political Science.


Buffy lives in Schenectady with her husband, Chris, and their three cats in an old Victorian house. She enjoys writing, reading, and collecting vintage glassware in her spare time.

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Colleen M. Garcia
Private Client Assistant
About Colleen

Colleen is often the first point of contact for many clients in our practice. Her attention to detail is the reason she has our trust and most importantly, the trust of our clients. She is committed to taking a proactive approach to make sure we deliver our service model efficiently, and she is prepared to handle any administrative or operational support we need. Her extensive knowledge of our industry and ever changing technology makes her an essential member of the team.

Colleen has three decades of experience in the financial industry. She lives with her family and two adorable dogs in Mariaville, NY. She enjoys reading, baking and woodworking in her free time.

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Luke Saddlemire, CFP®
Registered Private Client Associate
About Luke

As a Registered Private Client Associate, Luke is responsible for managing aspects of the daily business operations for our clients. Prior to joining Janney, he served as a Financial Advisor at Principal Financial Group and began his career at Purshe Kaplan Sterling Investments as an Operations Intern before going on to be promoted to an Operations Associate.

Luke obtained a Bachelor of Science degree from the University at Albany, SUNY with Concentrations in Finance and Marketing and a minor in Economics. Luke holds the Series 7 and Series 66 Licenses and has obtained his CFP® certification.

Luke currently lives in Saratoga Springs. Outside of the office, he can be found enjoying his free time with friends and family, watching his favorite sports teams, or canoeing on Galway Lake.  

Supported By

We collaborate with other Janney specialists, as needed, who have in-depth experience in specific disciplines. Together, we can assess your unique situation, analyze difference strategies, and develop a plan fit for your unique needs and goals.

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Dan Wantrobski, CMT®
Managing Director, Director of Research
About Dan

Dan Wantrobski is Director of Research at Janney Montgomery Scott and has over 20 years of industry experience as a technical analyst and strategist.


Mr. Wantrobski spent the first 10 years of his career at Paine Webber and UBS, where he developed his knowledge as a technician and macro strategist following the equity, fixed income, commodity, and currency markets. He has also spent time at Fox Pitt Kelton, Bedford Quantitative, and New Albion Partners. From 2008 to 2016, Mr. Wantrobski served as Janney’s technical strategist.


Mr. Wantrobski regularly comments in the media on key issues arising in the industry, with appearances in outlets such as The Wall Street Journal, Reuters, The Philadelphia Inquirer, CNBC, Fox Business, and Bloomberg TV. He is also a frequent speaker at financial industry conferences, including the Ernst & Young Annual Firm Conference where he has served as a guest speaker for the last five years.


Mr. Wantrobski is a Chartered Market Technician ® (CMT) and attended Villanova University, graduating cum laude with a B.S. in Finance.


He currently resides in Moorestown, NJ where he volunteers as a firefighter with Relief Engine Co. 312.

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Debra Roey
Vice President, Retirement Plan Services Director
About Debra

Debra S. Roey joined Janney Montgomery Scott LLC in November 2006, as Janney Retirement Plan Services (JRPS) Manager. JRPS was founded in 1982 to provide Janney’s Corporate Retirement Plan Clients with support in plan design analysis, proposal procurement and review, investment fiduciary services, technical expertise, and problem resolution.


Debra has over 30 years of experience in the Retirement Plan arena. Prior to joining Janney, she served as Regional Director with Union Central Life Retirement and Investment Services. During her tenure, she received numerous sales awards including qualification for the company’s highest society membership. She also served on several corporate committees involved with Strategic Planning and Product Development.


Debra earned a B.A. in Business Administration from Rutgers University.

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Guy LeBas
Chief Fixed Income Strategist, Janney Montgomery Scott LLC Director, Custom Fixed Income Solutions, Janney Capital Management
About Guy

Guy LeBas is Janney’s Chief Fixed Income Strategist, as well as Head of Fixed Income for Janney Capital Management. As Strategist, he is responsible for providing direction to the Firm’s clients on the macroeconomic, interest rate, and bond market investing climate.


Guy authors bond market periodicals, which provide relative value recommendations across the fixed income spectrum. With Janney Capital Management, Guy is responsible for overseeing the Firm’s discretionarily managed bond portfolios, which take a client-tailored approach to generating consistent income across interest rate environments.


Guy joined Janney in 2006. Prior to joining Janney, Guy served as Interest Rate Risk Manager for U.S. Trust’s bank asset and liability portfolios, a role in which he oversaw risk and return on $20 billion of bank assets and derivatives.


Guy is also a frequent guest on CNBC, Bloomberg TV and Fox Business News, as well as a regular speaker at financial industry conferences. He received his education from Swarthmore College, holds an M.S. in Applied Economics from Johns Hopkins University, and is a CFA Charterholder.


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Mark D. Luschini
Chief Investment Strategist, Janney Montgomery Scott LLC President and Chief Investment Officer, Janney Capital Management
About Mark

Mark Luschini is the Chief Investment Strategist for Janney Montgomery Scott LLC, leading the Investment Strategy Group. In that capacity Mark is responsible for establishing the Firm’s broad outlook relating to conditions in the capital markets and the economy and to develop investment strategies that align with the best interest, goals, and objectives of individual and institutional clients. He also establishes the Firm’s asset allocation models used for portfolio construction and financial planning.


As Chief Investment Strategist, Mark serves as the Janney's investment spokesperson, offering national market commentary and developing asset allocation models and investment strategies. He chairs the investment committee and actively interfaces with both current and prospective clients.


Additionally, Mark directs Janney Capital Management, the Firm’s discretionary investment management division. Under his leadership, Janney Capital Management has delivered competitive investment results across multiple strategies. The total assets under management has grown to more than $4 billion, with nearly $3 billion in traditional equity and fixed income assets, and over $1 billion in various strategic and tactical asset allocation strategies utilizing exchange-traded solutions and mutual funds. Mark served on the Board of Managers for Janney, and currently serves as a Trustee for the Firm’s Pension & Profit Sharing Plan. He is a member of the Janney Wealth Management Department’s Mutual Fund and Alternative Investment Committees.


In Janney Capital Management, Mark chairs the Investment Committee which sets asset class and sector policy and directly participates in managing the equity, fixed income, and asset allocation strategies under its advisory. Mark has spent more than 30 years in the investment industry. He utilizes that experience to speak on topics related to macroeconomics and investment management at seminars and conferences.


His comments and written articles have been circulated in numerous publications ranging from the Wall Street Journal and Barron’s to the New York Times, USA Today, Financial Times, and Money magazine. He has appeared in various media outlets including CNBC, Bloomberg Television, Fox Business News, and CNN.


He has a BA and MBA from Gannon University and holds the Chartered Market Technician (CMT) designation from the Market Technicians Association

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Contact us today to discuss how we can put a plan in place designed to help you reach your financial goals.