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.

Chase Smith is a financial advisor at OSAIC with 11 years of industry experience. He holds a Series 63 designation and has worked at Cerity Partners LLC, Securities America Advisors, Lebenthal & Co., LLC, and RBT Wealth LLC. He is a partner at RBT Wealth, where he operates the daily activities of a wealth management division in partnership with a CPA firm. OSAIC Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios.

Michael Decker is a financial advisor with Primerica Advisors in Goshen, NY, holding a Series 63 designation and possessing 10 years of industry experience. He has been with PFS Investments Inc. since 2016 and with Primerica Financial Services since 2014. Outside of his advisory roles, Decker is involved with Rock Hill Tax Service, LLC as a tax preparer. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm operates at scale with nearly 3,700 advisors and approximately $15.5 billion in assets under management, offering model-delivery strategies supplemented by discretionary separately managed account options.

Nancy Wright is a financial advisor with Primerica Advisors in Goshen, NY, holding the Series 63 designation and over 21 years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 2004. In addition to her advisory role, she is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm employs model-delivery strategies managed by unaffiliated asset managers and offers a range of investment approaches supported by BNY Mellon Advisors and Pershing for trade execution and custody.

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.

Ryan Strobach is a financial advisor at Edelman Financial Engines with a Series 65 credential and one year of industry experience. Prior to joining Edelman Financial Engines, he held roles at Allstate Financial Services and Northwestern Mutual. Outside of finance, he has work experience in the hospitality and recreation sectors, including positions at Cosimo's Restaurant and Yogi Bear's Jellystone Park. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios and offers sub-advisory services to other financial institutions, supporting a large participant base through advisor-led and online platforms.

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.

Ashley Magen is a financial advisor at Equitable Advisors with the Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, she held various roles including positions at 22 Bowen's, Alku, and the University of Rhode Island Academic Enhancement Center. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm uses a range of advisory program models and third-party asset managers to implement client portfolios.

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.

Senta Curran is a financial advisor with OSAIC, holding the CFP® and ChFC® designations and over 30 years of industry experience. She has worked with firms including Securities America, Inc., Cambridge Investment Research, and National Planning Corporation. Curran is also a board member of the Pine Bush Public Library. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisors, offering brokerage and investment advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools and automated rebalancing to manage diversified portfolios across a range of investment types.

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.

Michelle Rawl is a financial advisor with Primerica Advisors in Newburgh, NY, holding Series 63 and 65 licenses and seven years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 2019. Outside of her advisory role, she owns Rawl Research, LLC, a non-investment-related business based in Kingston, NY. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with nearly 3,700 advisors and $15.5 billion in assets under management, delivering advisory services through model-based strategies managed by unaffiliated asset managers.

William Niederauer is a financial advisor with LPL Financial in Goshen, NY, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His prior roles include positions at PGIM Investments LLC, Securities America Advisors, and Quest Financial Services. Niederauer is also an insurance agent with Yankee Advisor Network, selling life insurance and fixed annuities. 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, retirement consulting, and brokerage services, utilizing model portfolios, research from multiple sources, and various technology-driven investment solutions.

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.

Ali Iftikhar is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 registrations and nine years of industry experience. He has worked at J.P. Morgan Securities from 2012 to 2017 and from 2022 to the present, and has been with JPMorgan Chase Bank, N.A. since 2007. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, utilizing a process that combines quantitative asset-allocation modeling and centralized due diligence, with an ESG eligibility framework applied in its recommendations.