Michael R. Ruger

Christopher Crocker is a financial advisor with Cetera, holding Series 63 and Series 66 designations and seven years of industry experience. His work history includes roles at Cetera since 2019 and prior experience at Foresters Financial Services and Siena College. Outside of his advisory duties, Crocker is involved in soccer officiating, serving as a US Soccer referee since 2009 and holding voting positions on multiple soccer officials' executive committees. Cetera Investment Advisers LLC is an SEC-registered firm serving individual investors, retirement plans, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a variety of portfolio management and financial planning services with a multi-manager platform that includes affiliated and third-party managers, supporting both discretionary and non-discretionary account structures.

Joshua Moraski is the principal advisor at Nightgale Wealth Management LLC, an independent firm based in Schenectady, NY. He holds Series 65 and Series 66 licenses and began his advisory career in 2025 after prior experience as an independent insurance agent with RIA Insurance Solutions, a division of Financial Independence Group. Outside of advisory work, he has experience in homemaking and extended travel. Nightingale Wealth Management provides discretionary asset management and financial planning services to individuals, high-net-worth clients, trusts, estates, and business entities. The firm customizes investment programs based on clients’ goals and risk tolerances, utilizing fundamental and technical analysis as well as Modern Portfolio Theory, and may employ options, derivatives, and margin strategies in separately managed accounts.

Nathan Tomkiewicz is a CFP® certificant with eight years of industry experience. He is the owner and principal of Tomkiewicz Wealth Management, LLC, an independent, fee-only registered investment adviser based in Wynantskill, NY. Prior to founding his firm in 2025, he worked at Berkshire Money Management, Inc. and Berkshire Management, Inc., and spent ten years in full-time education. Tomkiewicz Wealth Management provides discretionary wealth management and integrated financial planning to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and businesses. The firm employs a combination of fundamental and technical analysis with modern portfolio theory principles, using both passive and active strategies across various investment types.

Justin Kim is a financial advisor at Ludus Capital, LLC with two years of industry experience. He previously worked at Locust Wood Capital for four years and has a background at NYU Stern School of Business. Justin holds the Series 65 designation. Ludus Capital provides discretionary investment management through separately managed accounts to individual and select institutional clients, including qualified individuals, trusts, charitable organizations, other advisers, and corporate entities. The firm employs a value-oriented, opportunistic equity strategy with concentrated portfolios and manages accounts with a long-term perspective while maintaining flexibility to invest across a broad range of instruments.

Lina Zhu is a financial advisor at Mia Lee Financial with two years of industry experience. She holds a Series 65 designation and previously worked at Grant Thornton LLP and Kroll. Outside of her advisory work, she is also an accountant. Mia Lee Financial is an independent firm providing portfolio management services to individuals and high-net-worth clients. The firm emphasizes a long-term investment approach combining fundamental analysis, modern portfolio theory, and quantitative methods, offering both discretionary and non-discretionary account management primarily focused on equities, fixed income, and ETFs.

Brian Parr is a financial advisor at Aquila Ventures LLC in Delmar, NY, holding a Series 65 designation with four years of industry experience. He has been with Aquila Ventures since 2018 and previously worked at the University at Albany for eleven years. Aquila Ventures LLC provides investment advisory and money management services to both individual and institutional investors, employing a long-term, value-oriented investment approach. The firm uses a multi-bucket framework that includes safe money, index exposure, quality individual stocks, and a smaller speculative/options sleeve, favoring buy-and-hold bond strategies and the use of options to generate income and manage risk.