Evan Kowalczyk is a Series 66-credentialed financial advisor with one year of industry experience, currently affiliated with OSAIC. Prior to his advisory role, he co-owned a junk removal service operated with his brother and has experience in marketing and training at Select Wealth Partners. OSAIC Wealth, Inc. serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a wide network of advisers. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and access to third-party managers to construct portfolios across various asset classes.

Michael Decker is a financial advisor at Primerica Advisors with nine years of industry experience. He holds a Series 63 designation and has been with Primerica Advisors since 2016. Outside of his advisory role, he is involved with Rock Hill Tax Service, LLC as a tax preparer. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Matthew Caruso is a CFP® and ChFC® credentialed financial advisor with 20 years of industry experience. He currently works at LPL Financial since 2024, following a 14-year tenure at Cambridge Investment Research Advisors. Caruso is also the sole member of RWH Holdings, LLC, a business entity used for tax and investment purposes. 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 investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services supported by research, model portfolios, and advanced portfolio management technologies.

Ryan O'Leary is a CFP® professional with 13 years of experience, all with Edward Jones since 2013. In addition to his advisory role, he owns and operates an Amazon retail business focused on selling products through the Amazon Sellers platform. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies supported by a large network of financial advisors and branch offices nationwide.

Nancy Wright is a financial advisor with Primerica Advisors in Middletown, NY, holding a Series 63 designation and 20 years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 2004. Outside of her advisory role, she is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts primarily for individual and high-net-worth clients. The firm curates third-party asset managers and employs a wrap-fee structure for its services.

Manolito Dizon Jr. is a financial advisor at Edward Jones with 24 years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at National Bank of Canada Financial Inc. from 2009 to 2020. Edward Jones is a wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies supported by a network of more than 23,700 financial advisors and 15,000 branch offices nationwide.

Steven Pulvirent is a financial advisor at Stifel with 36 years of industry experience. He has been with Stifel Nicolaus & Co., Inc. since 2006. Outside of his advisory role, he is a managing member of Goodwill Farms LLC, where he oversees general administrative tasks and farm chores. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. Its investment analysis employs a proprietary methodology developed by the Investment Strategy Group, focusing on forward-looking capital market assumptions and probabilistic modeling.

Bryan Covert is a financial advisor with Ameriprise Financial Services LLC, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. He previously worked at Bruderman Asset Management LLC and Bruderman Brothers LLC for six years. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with substantial investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in its approach, delivering recommendations through a centralized consulting team and emphasizing the use of Ameriprise-managed accounts.

Sandeepkumar Patel is a financial advisor with OSAIC who holds Series 63 and Series 65 licenses and has 28 years of industry experience. Prior to joining OSAIC in 2024, he worked at Securities America Advisors and National Planning Corporation. He serves on the board of the Bharatiya Mandir, a religious organization. OSAIC serves a broad client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm provides brokerage and advisory services with portfolio construction supported by asset-allocation tools, risk-tolerance assessments, and automated rebalancing, offering discretionary and non-discretionary management options.

Howard Gershman is a Series 63-licensed advisor with Primerica Advisors, where he has worked since 2003, totaling 22 years of industry experience. Prior to and alongside his financial services career, he has operated Gersky's Catering since 1987. He also engages in part-time sales of loan products and home security referrals through affiliated Primerica entities. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-based strategies and separately managed accounts, using third-party asset managers and a tiered wrap-fee structure.

Derek Bailey is a financial advisor with LPL Financial in Monroe, NY, holding Series 63 and Series 66 designations and 22 years of industry experience. He has been with LPL Financial and Sterling National Bank since 2017 and previously worked at Key Investment Services LLC from 2013 to 2017. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

Ashley Magen is a financial advisor with Equitable Advisors holding a Series 66 designation. She has been with Equitable Advisors since 2026 and has prior experience in various roles across marketing, hospitality, and academic support. Equitable Advisors serves a diverse client base, including individuals, high-net-worth clients, retirement plans, corporations, and institutional investors, providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates through multiple program sponsors and manages assets primarily on a non-discretionary basis.

Anthony Natrella is a financial advisor at Osaic with 31 years of industry experience. His prior roles include positions at Securities America, Inc. and National Planning Corporation. Outside of advisory services, Natrella is involved in tax preparation and operates a handyman business. Osaic Wealth, Inc. serves a diverse client base ranging from individual investors to corporations and charitable organizations. The firm offers integrated brokerage and advisory services supported by advanced portfolio construction tools, and it maintains a complex corporate structure with multiple advisory platforms and third-party service arrangements.

Joseph Mecenas is a financial advisor with MassMutual Investors Services holding a Series 66 designation and one year of industry experience. Prior to joining MassMutual, he worked at Northwestern Mutual Wealth Management Company and engaged in consulting and marketing roles through entities such as Mecenas Holdings LLC and Unfold Your Path LLC. His activities include managing digital marketing operations and providing consulting support focused on marketing and sales initiatives. 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 collaborative relationships that utilize firm-approved software to deliver written recommendations tailored to client goals.

William Niederauer is a financial advisor with LPL Financial and holds Series 63 and Series 65 designations. He has 26 years of industry experience, including prior roles at Prudential Investment Management Services and Securities America Advisors. Niederauer also serves as a life insurance and fixed annuity agent with Yankee Advisor Network. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients through a national network. The firm offers a broad range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from multiple sources.

James Finnegan is a Financial Advisor with Merrill Lynch Wealth Management, specializing in developing personalized financial strategies for individuals, families, and businesses. He focuses on client-centric planning by understanding what matters most to each client and providing ongoing guidance to navigate financial opportunities and challenges. James holds the Series 7 and Series 66 registrations, the Chartered Retirement Planning Counselor (CRPC®) designation, the Personal Investment Advisor (PIA) designation, and the Life, Accident & Health Insurance License. He has a Bachelor's Degree and an Associate's Degree from the State University of New York System and a High School Diploma from Goshen. Prior to joining Merrill, he was the General Manager of West Hills Country Club in Middletown, NY, where he managed financial operations, budgeting, and business management. His expertise includes college education planning, individual and corporate investment strategy, and retirement income planning. Outside of his professional responsibilities, James enjoys baseball, football, golfing, and spending time with his family.

Scott Dancyger is a Series 63 licensed financial advisor with LPL Financial in Newburgh, NY, bringing 22 years of industry experience. He has worked with LPL Financial since 2010 and has been involved with Hudson Valley Federal Credit Union since 2011. In addition to his advisory role, he holds property and casualty insurance licenses but does not actively solicit business or receive commissions. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a wide range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Anthony Di Gennaro is a financial advisor at Edward Jones in New Windsor, NY, holding the Series 63 designation with 23 years of industry experience. He has been with Edward Jones since 2005. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients through a nationwide network of more than 23,700 financial advisors. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Connor Coyle is a financial advisor at Osaic with 10 years of industry experience. He holds a Series 66 designation and has previously worked at Morgan Stanley and Securities America. He is a volunteer member of the Pearl River Chamber of Commerce. Osaic Wealth, Inc. serves a broad range of clients, including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and investment advisory services, financial planning, and access to third-party money managers through a network of affiliated advisors and multiple platforms.

Anibal Cruz III is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and four years of industry experience. His prior work includes roles at Fidelity Investments, Charles Schwab & Co., Inc., and Amazon. He is also involved with Hudson Valley Credit Union in a licensed branch employee capacity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services through a national network of investment adviser representatives.