Raymond Khoury is a financial advisor with LPL Financial in Hopewell Junction, NY, holding a Series 63 designation and 13 years of industry experience. He has been with LPL Financial since 2012 and also serves at Hudson Valley Federal Credit Union, where he is involved in investment-related financial institution duties and non-variable insurance services. Khoury is also a notary public. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions, offering a range of financial planning and investment management solutions supported by technology and a broad platform of complementary financial services.

James Pucci is a financial advisor with Raymond James & Associates, holding a Series 63 designation and 24 years of industry experience. He has been with Raymond James & Associates since 2014. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional clients, charitable organizations, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary services.

Joe Ann Vacca is a financial advisor at Fidelity with 21 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Fidelity Investments since 2011, including roles at Fidelity Personal and Workplace Advisors and Strategic Advisers LLC. Prior to joining Fidelity, she was employed at Credit Suisse Securities and Lehman Brothers. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including charitable and registered investment company accounts. The firm utilizes a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and fund advisory services.

Bonnie Rule is a Series 66-licensed financial advisor at Edward Jones with four years of industry experience. Prior to joining Edward Jones in 2022, she held roles at Copart, Color Street, Visionary Real Estate Solutions, and PartyLite Gifts Inc. She was previously the owner and manager of Visionary Real Estate Solutions, a real estate flipping and rehabbing business that is currently dormant. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a wide range of advisory programs and investment solutions, supported by a large network of financial advisors and branch offices nationwide.

Garry Michel is a CFP® with 19 years of industry experience, currently serving at Cetera since 2016. He also owns Michel Tax Services LLC, which prepares tax returns for individuals and businesses. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual investors, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers.

Lena Rizkallah is a financial advisor at LPL Financial with 12 years of industry experience. She previously worked at Cambridge Investment Research Advisors and JPMorgan Investment Management. She serves on the boards of the Howland Cultural Center and the Estate Planning Council of the Hudson Valley. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a range of solutions including financial planning, model portfolios, third-party asset management, and institutional platforms.

Charu Ashar is a financial advisor with Cetera, holding a Series 63 designation and bringing 41 years of industry experience. Ashar has worked with Cetera and its affiliates since 2019, following a long tenure at Foresters Financial and Foresters Advisory Services spanning over three decades. Cetera Investment Advisers LLC operates as an SEC-registered multi-manager platform serving a wide range of clients, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and financial planning services through a network of more than 10,000 advisors managing over $256 billion in assets.

Karen Stewart is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has been with LPL Financial, formerly LINSCO/Private Ledger Corp., since 2005. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by various investment strategies and operational tools.

Nikita West is an Investment Consultant at Fidelity, a role she has held since 2024. Prior to this, she worked as an Investment Solutions Representative at Fidelity Investments from 2021 to 2022 and served as a Relationship Banker at Wells Fargo Bank from 2013 to 2021. Her professional experience spans various facets of financial services, focusing on client relationships and investment solutions. She holds a California Insurance License, which supports her work in financial planning and investment consulting. Nikita emphasizes building long-term partnerships with her clients by understanding their individual financial goals and providing transparent guidance throughout their financial journeys. Outside of her professional life, Nikita enjoys cooking and baking, hiking, music, outdoor adventures, traveling, and writing.

Francis Dwyer is a financial professional with 34 years of industry experience, currently affiliated with Cetera. He holds Series 63 and Series 65 credentials and has worked at firms including Rhinebeck Bank and Osaic Institutions LLC. Outside of his financial advisory role, he is the owner of Leo Builds LLC, a family-owned real estate business. Cetera is an SEC-registered adviser serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with diverse portfolio management options and access to third-party money managers, supporting both discretionary and non-discretionary account structures.

Sal Lucido is a financial advisor with Primerica Advisors in Middletown, NY, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been associated with PFS Investments Inc. and Primerica Financial Services since 1993. Outside of advisory work, he is the owner of Lucido + Associates, Inc., an investment-related business serving Primerica purposes. Primerica Advisors sponsors and manages a wrap-fee asset management program primarily for individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm employs model-driven strategies supported by third-party asset managers and offers a range of portfolio options with custody and trade execution services provided by Pershing.

Kashif Ali is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, N.A. since 2009. He holds Series 63 and Series 66 designations. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on asset allocation advice, investment manager searches, and customized performance reporting. The firm uses a centralized due diligence process combining quantitative and qualitative research, and incorporates an ESG eligibility framework in its recommendations.

Patricia Weinshank is a financial advisor with LPL Financial in Woodbury, NY, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. She has worked at Bridgehampton National Bank and LPL Financial since 2016, with prior roles at Flagstar Securities and Capital One Financial Advisors. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Gerald Terwilleger Jr. is a Series 66 licensed financial advisor with Edward Jones in Marlboro, NY, where he has worked since 2017. He has nine years of experience in the financial industry and previously worked for Zircar Ceramics Inc. from 2005 to 2017. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of investment advisory programs and proprietary products, supported by a large nationwide network of advisors and branch offices.

Jennifer Paolicelli is a financial advisor at Ameriprise with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has worked exclusively with Ameriprise and its affiliated entities since 2005. She is based in Tafton, PA. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, written recommendation reports through a centralized consulting team.

William Bredthauer is a CFP® with 34 years of industry experience, currently serving at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. for 28 years. Outside of his advisory role, he is a high school basketball referee. Ameriprise Financial Services is a large, diversified advisory firm that serves individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on written recommendations and ongoing retirement-income planning that incorporates tax-aware withdrawal strategies and dependable income sources.

Connor Chiulli is a financial advisor with LPL Financial, holding a Series 66 designation and four years of industry experience. His prior roles include positions at MML Investors Services, LLC, Park Avenue Securities, and MassMutual Life Insurance Co. Outside of his advisory work, he is involved with The Diamond Mine, a non-investment-related business. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing a range of services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, delivering advice through a large network of investment adviser representatives using various investment strategies and technological tools.

Zachary Landy is a financial advisor with LPL Financial, holding a Series 66 credential and one year of industry experience. Prior to joining LPL Financial, he worked at Cadaret, Grant & Co., Inc. and has been involved in various roles connected to collegiate and professional baseball development. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, leveraging both proprietary research and third-party strategies.

Nicholas Mirecki is a financial advisor at OSAIC with two years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Ferrigno Financial and Fidelity Investments. Mirecki’s background also includes experience at Bryant University and a role with Inn Credible Caterers. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement consulting. The firm’s investment process emphasizes model-based asset allocation and portfolio optimization, supporting a variety of client-directed strategies.

Margaret Schimmelpfennig is a financial advisor with Primerica Advisors in Newburgh, NY, holding Series 63 and Series 65 licenses and eight years of industry experience. She has worked with Primerica Advisors since 2018 and has a background in education, having been employed by Hyde Park Central School District for 23 years. In addition to her advisory role, she is involved in sales of loan products and home security referrals through affiliated Primerica companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which provides model-delivery strategies and a limited number of discretionary separately managed accounts for individual and high-net-worth clients. The firm curates third-party asset managers and utilizes a tiered wrap-fee structure for its investment solutions.