John Higbee Jr. is a CFP®-designated financial advisor with Morgan Stanley, based in Kingston, NY, with 43 years of industry experience. He has been with Morgan Stanley and its affiliates since 2009, including time at Morgan Stanley Private Bank. Outside of his advisory work, he is involved in a vacation home rental business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering comprehensive financial planning and advisory programs supported by firm-approved tools and research, managing approximately $2.74 trillion in client assets.

Michael Mattes is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his financial services career in 2009 and currently serves as a Senior Vice President. Michael is a CERTIFIED FINANCIAL PLANNER® professional with expertise in family wealth, trusts, and corporate executive services. He works within The Mattes Group, focusing on tailored portfolio construction and comprehensive wealth management planning for high-net-worth individuals. Michael engages clients in a personalized approach to wealth management, emphasizing the importance of understanding life priorities in addition to market considerations. His areas of specialization include corporate executive services, education planning, legacy planning, philanthropic planning, retirement income strategies, and services for endowments, foundations, and non-profits, among others. He achieved the CERTIFIED FINANCIAL PLANNER® certification in 2015 and holds the Personal Investment Advisor (PIA) designation. He holds a bachelor's degree in Economics and Leadership Studies from the University of Richmond. Before joining Merrill Lynch, Michael worked at Western Union Ireland in EMEA Corporate Governance. Outside of his professional activities, Michael has interests in boating, cooking, fishing, golfing, hiking, music, rock climbing, surfing, traveling, and woodworking.

Adam Breault is a Series 66-licensed financial advisor with Ameriprise in Poughkeepsie, NY, with 4 years at the firm and 1 year of industry experience. He has prior work experience in education at the State University of New York at Plattsburgh and Our Lady of Lourdes High School. He is also co-owner of Arbor Capital Wealth Advisors, an advisory business he manages alongside his Ameriprise role. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and annual retirement-income planning advice focused on income sources and tax-aware withdrawal strategies.

Eric Cassalina is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 2013. He has been working in the financial services industry in the Hudson Valley region since 2011. In his role, Eric helps clients develop personalized financial plans aimed at achieving goals such as retirement planning, estate planning, tax minimization, and wealth preservation. He utilizes the resources of Merrill Lynch Wealth Management and his team to manage clients' investment strategies and financial planning needs. Eric holds the designation of Certified Plan Fiduciary Advisor (CPFA) and leverages his experience working with retirement plans to assist both business clients and individuals. His expertise spans corporate executive services, divorce transition planning, executive compensation, family wealth management, legacy planning, retirement income, and portfolio management. Eric uses a holistic approach to help clients project their financial future over various timelines and make informed decisions to reach their goals. He obtained his high school diploma from Marlboro High School and attended Marist College without obtaining a degree. Outside of work, Eric spends time with his family, enjoys golfing, and traveling.

Erika Sammons is a Senior Financial Advisor affiliated with Merrill Lynch Wealth Management. In this role, she provides advisory and wealth management services to a diverse client base. Erika's background includes experience supporting clients with retirement income planning, investment portfolio customization, and corporate retirement plan consulting. Her expertise encompasses retirement income strategies, portfolio management, services for defined benefit plans, and nonprofit and foundation endowment services. Erika’s professional qualifications include the Certified 401(k) Professional and Chartered Retirement Planning Counselor™ designations. She holds a Master’s degree from Saint Joseph’s University and a Bachelor’s degree from LaSalle University. She is involved in the community through participation in organizations such as the Delaware Valley Youth Athletic Association and Saint Pio Catholic School.

Christopher Coppola is a financial advisor with Morgan Stanley in Poughkeepsie, NY, holding a Series 66 designation and two years of industry experience. Prior to joining Morgan Stanley in 2022, he worked at TEG Federal Credit Union, Rhinebeck Bank, The Culinary Institute of America, and operated Coppola's on 9 Restaurant. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to both individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and structured discovery conversations. The firm manages approximately $2.74 trillion in client assets and provides a wide range of services including estate planning and corporate financial planning agreements.

Catherine Irizarry is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. Her prior roles include positions at Key Investment Services LLC and Northwestern Mutual Investment Management. Outside of her advisory work, she serves as a notary public and acts as executrix for her father's estate. Wells Fargo Advisors provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options that include retirement, education, and specialized services such as business-owner transition planning and special-needs analysis. Advisors use Wells Fargo's research and tools to develop tailored recommendations delivered through meetings and written summaries, with clients choosing whether to implement these through the firm’s brokerage or advisory programs.

Jarryd Killian is a financial advisor with LPL Financial, holding a Series 66 designation and having one year of industry experience. His prior work includes roles at Coombe, Bender & Co, BNP Paribas Asset Management, and Ovations. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Peter Le Rose is a financial advisor with Edward Jones in New Paltz, NY, holding a Series 66 designation and five years of industry experience. Prior to joining Edward Jones in 2021, he worked at Sears Holdings for 16 years and was involved with Transform SR LLC for one year. Outside of advising, he owns a collectible toy business called Toys and Toons, which focuses on selling duplicate or unwanted items. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a wide network of advisors and branch offices, offering discretionary and non-discretionary investment strategies along with affiliated mutual funds and tax-efficient services.

Geoffrey Demarco is a financial advisor with LPL Financial, holding a Series 66 designation and 14 years of industry experience. His prior roles include positions at Webster Bank, M&T Securities, Oppenheimer, and Equitable Advisors. He is also involved with DSL Financial Services in a related business capacity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, and institutions, offering a range of advisory and brokerage services including financial planning, model portfolio programs, and institutional platforms.

Javier Tavares is a financial advisor at J.P. Morgan Securities with 23 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2015. Outside of his advisory role, he owns an e-commerce business, Watchmatic LLC, which sells collectible watches online. 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. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations to deliver a range of advisory and brokerage services.

Patrick Ford is a financial advisor with Equitable Advisors in Poughkeepsie, NY, holding Series 63 and Series 65 licenses and with 26 years of industry experience. He has worked at Equitable Advisors and its predecessor, Axa Advisors LLC, since 2000. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to a broad client base, including individuals, corporations, and nonprofit organizations. The firm utilizes a range of advisory programs and third-party asset managers to deliver tailored investment solutions.

Mark Temple is a financial advisor at Merrill with 21 years of industry experience. He has held his current position since 2012 and holds Series 63 and Series 66 credentials. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Mitchell Zapka is a financial advisor at Morgan Stanley with one year of industry experience. He holds Series 63 and Series 65 licenses. Prior to Morgan Stanley, he worked at ThinkEquity LLC, Wallkill Valley Federal Savings and Loan, and has experience in non-financial roles including at Powelton Club and Carry Out Kings. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured discovery conversations and proprietary planning tools in its financial planning process and offers a broad range of retail and institutional investment options.

Jason Burt is a financial advisor at Ameriprise with 23 years of industry experience. He holds a Series 66 designation and has been with Ameriprise since 2006. Outside of his advisory role, he serves on the Board of Directors for the Premier Cares Foundation and manages a consulting business focused on financial planning. Ameriprise offers a retirement-income planning service tailored to clients approaching or in retirement, typically serving those with at least $1 million in net investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written recommendation reports, with a focus on assets held in Ameriprise-managed accounts.

Ricardo Ventura is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and having 16 years of industry experience. His work history includes roles at JPMorgan Chase Bank, Wells Fargo, and J.P. Morgan Securities. Outside of his advisory work, he has ownership interests in a vehicle rental business and a real estate holding company, though he is not actively involved in their day-to-day operations. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Ojas Sardesai is a financial advisor with LPL Financial, holding a Series 63 license and 13 years of industry experience. He has been with LPL Financial since 2012 and has concurrently worked at Hudson Valley Federal Credit Union since 2010, where he is also involved in insurance services. 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 portfolios, and institutional platforms, supported by a network of over 22,800 advisors.

John Vita IV is a financial advisor with Equitable Advisors, holding a Series 66 designation and one year of industry experience. Before joining Equitable Advisors, he held various roles including teaching positions and personal training. He is also involved as a seasonal football coach at Arlington High School. Equitable Advisors serves a broad client base including individuals, retirement plans, corporations, and charitable organizations, offering financial planning and asset management services through a network of Investment Adviser Representatives and third-party program sponsors.

Christopher Tomaskovic is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 20 years of experience in the financial services industry. He works closely with individuals, families, and businesses to develop and implement financial strategies tailored to their unique circumstances and goals. His client focus areas include college education planning, family wealth management, legacy planning, personal retirement planning, and services for endowments, foundations, non-profits, and defined benefit plans. Christopher graduated Magna Cum Laude from Fordham University with a Bachelor's Degree, majoring in Government & Politics and minoring in Economics. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Beyond his professional work, Christopher is actively involved in community organizations such as the Dutchess County Gaelic Athletic Association, where he serves as Founding Chairman and Board Member, the Dutchess County Ancient Order of Hibernians, and the Dutchess County St Patrick's Parade Committee. He also contributes to the Dutchess County 10-13 Foundation, The Center for the Prevention of Child Abuse, and other charitable organizations. Christopher enjoys coaching basketball and Gaelic football, playing golf, spending time with his family, and traveling.

John Gadonniex is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been with the firm since 1996, focusing on creating strategies and recommendations for individuals and families to assist in achieving both short- and long-term financial goals. John employs a consultative and objective approach to wealth management. He begins by thoroughly reviewing client financial situations, preferences, and objectives. He then proposes asset allocation recommendations tailored to reflect each client's income and growth expectations. Additionally, he engages in ongoing discussions covering a variety of financial opportunities, including investments, retirement, education, and estate planning services. John holds the CERTIFIED FINANCIAL PLANNER™ (CFP) certification awarded by the Certified Financial Planner Board of Standards, Inc., and he also holds the Personal Investment Advisor (PIA) designation. He earned his Bachelor of Science degree in Finance from the University of Central Florida in 1991.