Anthony Junjulas is a financial advisor with LPL Financial, holding Series 66 and Series 63 licenses and five years of industry experience. He has been with LPL Financial since 2020 and has also worked at Hudson Valley Credit Union since 2016. Prior to his advisory career, he was involved with Pizza Phil from 2014 to 2016. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm provides a range of financial planning and advisory programs, retirement plan consulting, and brokerage services, supported by research and multiple portfolio management strategies.

Daniel Lofrese is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 48 years of industry experience. His prior work includes positions at Sterling Bank and Webster Bank. He is also involved in life insurance sales through SBLI USA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and brokerage services, including discretionary and non-discretionary management supported by proprietary research and third-party subadvisors.

Joseph Schaefer is a CFP® professional with 23 years of industry experience, currently advising at Edward Jones since 2013. He holds Series 63 and Series 66 licenses and is based in Warwick, NY. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of financial advisors and branch offices.

Cristian Biondi is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds the Series 66 designation and has worked with firms including Emerson Reid and Equitable Advisors. Outside of his advisory role, he is involved with Calvary Baptist Church in Warwick, NY, where he provides maintenance and housekeeping services and advises on facility upkeep. J.P. Morgan Securities LLC primarily serves institutional clients and retirement plan sponsors by offering investment consulting and advisory services through its Institutional Consulting Services program, which combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Steven Lombardo is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He has held roles at JPMorgan Chase Bank, N.A. since 2017 and has been with J.P. Morgan Securities since 2016. Outside of his advisory work, he owns and manages a rental property in Monroe, NY. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm uses a quantitative asset-allocation process combined with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Edward Kerrisk is a financial advisor with J.P. Morgan Securities in Monroe, NY, holding Series 66 and Series 63 credentials and two years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank in 2026, he worked at Equitable Advisors for three years. Outside of his advisory role, he has experience in retail sales, specifically golf sales at Dick's Sporting Goods. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Diane Lindsay is a financial advisor at Osaic with 40 years of industry experience. She holds a Series 63 designation and has worked previously at Cadaret, Grant & Co., Inc. for over three decades and Securities America Advisors. In addition to her advisory role, she is a licensed CPA providing tax preparation and consulting services and is involved in marketing and training activities as well as disability and fixed annuity insurance sales. Osaic Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers. The firm uses a variety of tools and platforms to construct and manage diversified portfolios tailored to client risk tolerance and investment restrictions.

Scott Morrow is a CFP® with 24 years of industry experience, currently affiliated with LPL Financial since 2007. He operates in Beacon, NY, and has involvement with Hudson Valley Federal Credit Union, including offering Medicare-related insurance plans and wealth management services through the credit union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm provides a range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management approaches supported by LPL Research and third-party subadvisors.

Robert Howerter is a financial advisor with OSAIC, holding Series 63 and Series 66 designations and bringing 34 years of industry experience. His prior firms include Securities America Advisors and National Planning Corporation. Outside of advising, he is involved in several business ventures, including ownership of Gaynor Mansion Associates LLC and roles in marketing and tax-related businesses. OSAIC serves a diverse client base including individual and institutional investors through a broad network of affiliated advisers and multiple advisory platforms. The firm integrates brokerage and investment advisory services with financial planning and retirement consulting, utilizing various asset-allocation tools and third-party solutions to manage portfolios on both discretionary and non-discretionary bases.

Gregory Lutfy is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has worked since 2013. He has been in the financial services industry for 29 years. He focuses on wealth management and retirement planning, working closely with clients to build, preserve, and transition wealth through personalized financial strategies. Greg's approach centers on risk analysis and tailored financial plans based on client goals and timelines, addressing key needs of wealthy individuals and families. His client focus areas include managing new wealth, portfolio management services, sports and entertainment, and retirement income. He holds the Personal Investment Advisor (PIA) designation. Greg resides in Milford, Pennsylvania with his wife Patricia and their three children. His personal interests include fishing, golfing, hiking, and scuba diving. He completed his high school education through the Pennsylvania State System of Higher Education.

Anthony Hoey is a Series 66-licensed financial advisor at Merrill with five years of experience at the firm and one year at Bank of America, N.A. His prior work includes roles at Instacart and Orange County Community College. Outside of his financial services career, he is employed at Hannaford Bros, where he works in stock produce and food preparation. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jeffrey Orlouski is a financial advisor at LPL Financial with 27 years of industry experience. He holds the Series 63 and Series 65 designations. His prior work includes roles at National Securities Corp and Gladstone Wealth Partners. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm provides a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research from multiple sources.

Kevin Regan is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been with Merrill Lynch since 2011 and joined the team in 2013. Kevin works with clients to assist with investment and administrative needs, helping them pursue their retirement goals and build strong client relationships. Kevin's professional background includes experience in biodefense research before transitioning to financial services in 2009. His expertise encompasses areas such as college education planning, corporate retirement plan services, divorce transition planning, family wealth management strategies, services for endowments, foundations, and non-profits, managing new wealth, personal retirement planning, socially responsible investing, and retirement income. He holds the Personal Investment Advisor (PIA) designation. Kevin graduated from the State University of New York at Albany with a bachelor's degree in computer science and molecular biology, with a minor in finance. He is currently completing an MBA with a concentration in finance. Outside of his professional work, Kevin has interests in adventure sports, baseball, boxing, football, golfing, skydiving, and spending time with his family.

Lawrence Mcternan is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior experience includes roles at Wells Fargo Clearing, Wells Fargo Advisors, LLC, and HSBC Bank USA, N.A. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a broad range of advisory programs, financial planning, and retirement consulting, supported by model portfolios, research, and various investment management options.

Patrick Ferrigno is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at OSAIC since 2023. His prior experience includes roles at FSC Securities Corp and SII Investments, Inc., as well as operating Ferrigno Financial Services since 1992. OSAIC serves a wide range of retail and institutional clients through its network of affiliated advisers and advisory platforms, offering integrated brokerage, investment advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct portfolios and supports both discretionary and non-discretionary account management.

Erica Mosca is a financial advisor at J.P. Morgan Securities with five years of industry experience. She holds Series 65 and Series 63 licenses and has worked previously at TD Private Client Wealth LLC and TD Bank N.A. since 2016. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program.

Thomas Ammons is a financial advisor with LPL Financial, holding the PFS™ designation and Series 63 license, and has 33 years of industry experience. He has worked at LPL Financial since 2017 and previously spent nine years with National Planning Corporation. Ammons is also a CPA and president of Affinity Advantage Inc., which provides tax preparation and accounting services, and he owns an insurance agency focused on Medicare solutions. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of advisors. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and retirement plan consulting, supported by extensive research and diverse investment strategies.

John Mc Namara is a financial advisor at Merrill with 33 years of industry experience. He holds Series 63 and Series 65 designations and has been with Merrill since 2009. Merrill, in conjunction with its affiliate Managed Account Advisors LLC, delivers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Jennifer Pucci is a financial advisor with Raymond James & Associates in Goshen, NY, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. She has been with Raymond James & Associates since 2014. Raymond James & Associates, Inc. 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, and charitable organizations—and offers financial planning, investment consulting, and institutional fiduciary solutions with a range of portfolio management styles and research resources.

Shirley Morillo Guercio is a financial advisor with LPL Financial, holding Series 66 and Series 63 designations and four years of industry experience. Her background includes roles at Hudson Valley Credit Union, Edward Jones, and JP Morgan Chase Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios, third-party subadvisors, and technology-driven strategies.