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 in Montgomery, NY, holding Series 63 and Series 65 credentials and 26 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 that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a wide range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms.

Lisbel Rosario is a financial advisor with Primerica Advisors, holding a Series 63 designation and bringing 10 years of industry experience. Her prior work includes roles at Community Capital NY, the Charter School of Educational Excellence, Pelham Plumbing & Heating Corp., and PFS Investments Inc. Outside of advising, she serves as an administrative assistant for the City Schools Sports Association. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm operates on a large scale with nearly 3,700 advisors and approximately $15.5 billion in assets under management, delivering advisory services through model-based recommendations and discretionary management options.

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 advisor with Cetera, holding Series 63 and Series 65 credentials and over 34 years of industry experience. He previously worked at Rhinebeck Bank, Osaic Institutions LLC, and Walden Savings Bank. Outside his advisory role, he owns Leo Builds LLC, a family-owned business involved in real estate transactions. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers across discretionary and non-discretionary account structures.

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 also 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 corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

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 financial advisor at Edward Jones with eight years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2017. Prior to joining Edward Jones, he worked at Zircar Ceramics Inc. from 2005 to 2017. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, operating under a fiduciary standard and managing approximately $1.01 trillion in assets through a nationwide network of financial advisors.

Brian Gaine is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and bringing 32 years of industry experience. He has been with MML Investors Services Inc and MassMutual since 2009. Outside of advisory services, he works as a sales agent for life, health, disability income, and long-term care insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring planning engagements as ongoing relationships that use firm-approved tools to analyze client goals.

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 firms including Ferrigno Financial and Fidelity Investments. Mirecki also has experience in the catering industry through Inn Credible Caterers. OSAIC serves a broad mix of retail and institutional clients, offering integrated brokerage and advisory services through a large network of affiliated advisers. The firm employs a variety of asset-allocation tools and third-party platforms to construct diversified portfolios for its clients.

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.

Dawn Faigle is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at various divisions of JPMorgan Chase since 2014. Prior to her current roles, she was employed at Bedford Central School District from 2015 to 2020. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. As part of J.P. Morgan, the firm combines institutional advisory with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Sandra Bredthauer is a CERTIFIED FINANCIAL PLANNER™ (CFP®) with 34 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. She previously worked at Ameriprise Financial Services, Inc. for 15 years. Outside of her advisory role, she serves as a Sustainer Representative on a local board of directors in Poughkeepsie, NY. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service focused on retirement-income planning with written recommendation reports and ongoing advice, emphasizing dependable income sources and tax-aware withdrawal strategies.

Arden Baptiste is a financial advisor with LPL Financial, holding the Series 63 and Series 65 designations and bringing 32 years of industry experience. He has worked with LPL Financial since 2018 and also serves as an adjunct professor at Rockland Community College. 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 broad network of investment adviser representatives.

Rajan Kumar is a financial advisor with OSAIC, holding a Series 66 designation and 25 years of industry experience. His prior roles include positions at RBT Wealth LLC, Securities America Advisors, Private Advisor Group, and LPL Financial. Kumar is also the managing member of RBT Wealth, an independent registered investment advisor operating a wealth management division in partnership with a CPA firm. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services with an investment approach that employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing across a wide range of investment products.

Michael Ranieri is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and bringing 12 years of industry experience. He has worked within various divisions of J.P. Morgan since 2012, including J.P. Morgan Chase Bank and J.P. Morgan Securities. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with additional market-facing registrations, delivering advisory services alongside affiliated brokerage and investment management capabilities.