Gregory Mirecki is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and 30 years of industry experience. He has worked at OSAIC since 2023, following six years with Fsc Securities Corp and 20 years at SII Investments, Inc. He also operates Ferrigno Financial, providing financial advising services, and acts as an insurance agent soliciting fixed annuities. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisors and multiple platforms. The firm offers integrated brokerage and advisory services, financial planning, and access to third-party managers, utilizing asset-allocation tools and automated rebalancing to construct diversified portfolios.

Andre St.Louis is a financial advisor with LPL Financial holding Series 63 and Series 65 credentials and five years of industry experience. He has worked at firms including Cetera, Equitable Advisors, and Point 72. Outside of advisory roles, he has been involved with Serene Capital Management and Solutions. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, and institutions, offering a range of advisory programs, financial planning, and brokerage services supported by in-house and third-party research.

Raymond Khoury is a financial advisor with LPL Financial, holding a Series 63 designation and over 13 years of industry experience. He has been with LPL Financial since 2012 and is also affiliated with Hudson Valley Federal Credit Union, where he provides financial services and insurance. 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 broad range of financial planning and advisory programs, including both discretionary and non-discretionary management, supported by research from LPL and third-party subadvisors.

Marianne Naughton is a financial advisor at Merrill with Series 63 and Series 65 credentials and 41 years of industry experience. She has been with Merrill since 1984. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Marc P. Cassalina, CFP®, is a Senior Vice President and Wealth Management Advisor based in the Poughkeepsie, NY office of Merrill Lynch Wealth Management. With a career spanning over 35 years exclusively at Merrill, Marc has held positions including Senior Resident Director of the Poughkeepsie office from 2009 to 2019. He earned his Bachelor's degree and completed the educational component of the CFP® certification at Marist College in Poughkeepsie, NY. Marc specializes in retirement assets and services, asset management, tax minimization strategies, charitable giving, and estate planning services. He focuses on developing strategies that prioritize clients' risk considerations, goals, and objectives to help build, manage, and preserve wealth for current and future generations. Marc and his team work to provide personal attention to clients, combining the global strength of Merrill and the banking convenience of Bank of America. Marc and his wife Margarete have been married for 35 years and reside in Marc's hometown of Milton, NY. They are committed to the Cystic Fibrosis Foundation, with Marc serving as a board member and formerly as Board President of the Greater NY Chapter, currently co-chairing the National Individual Giving Committee. Their daughter Jena passed away from cystic fibrosis in 2006, and their son Eric, who has CF, works on Marc's team. Marc and Margarete also support organizations like the Culinary Institute of America and the African Missionary Health Organization. Their personal interests include travel, golf, and working towards a cure for cystic fibrosis.

Matthew Meddaugh is a financial advisor with Ameriprise in Poughkeepsie, NY, holding Series 63 and Series 65 credentials and having 26 years of industry experience. He has been with Ameriprise and its affiliate since 2014. Outside of advisory work, he is involved in real estate management and consulting through several personal business entities. Ameriprise provides a retirement-income planning service targeting individuals nearing or in retirement who meet specific asset criteria, delivering written recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic tools to support its advisory approach, primarily serving clients with significant investable assets in Ameriprise-managed accounts.

Collin Ford is a financial advisor with Equitable Advisors in Poughkeepsie, NY, holding a Series 66 designation and two years of industry experience. Prior to joining Equitable Advisors, he worked in various roles including at Dave's Tree Service and held positions related to education and recreation. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model with a focus on tailored client intake and a range of advisory and brokerage channels.

Dennis Tracy is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He previously worked at Oppenheimer for 12 years before joining Ameriprise Financial Services Inc. and then Ameriprise. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset criteria, delivering personalized recommendation reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis through a centralized consulting team, while offering a broad range of advisory, brokerage, and insurance solutions.

Lena Rizkallah is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 12 years of industry experience. Her prior roles include seven years at Cambridge Investment Research Advisors and five years at JPMorgan Investment Management. She serves on the boards of the Howland Cultural Center and the Estate Planning Council of the Hudson Valley. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, institutions, and charitable organizations, offering a range of financial planning and advisory programs supported by in-house and third-party research.

Charu Ashar is a financial advisor with Cetera who holds a Series 63 designation and has 41 years of industry experience. Ashar has worked at Cetera since 2019 and has prior experience with Ameritas, ICB ICU, and Foresters Financial, where Ashar spent over three decades. Cetera Investment Advisers LLC is a large SEC-registered firm offering services through a nationwide network of independent advisors. The firm serves individuals, retirement plans, corporate and charitable clients, and institutional accounts, providing portfolio management, financial planning, and access to a variety of program platforms and third-party managers.

Samuel Allen is a financial advisor at OSAIC with six years of industry experience. He holds the Series 66 designation and previously worked at Sagepoint Financial, Inc. and American Corporate Benefits, Inc. Outside of his advisory role, he provides customer service for American Corporate Benefits, Inc. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a wide range of integrated brokerage and advisory services supported by various investment platforms and third-party money managers.

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.

Joseph Marino Jr. is a financial advisor with Cambridge Investment Research Advisors, holding Series 63, 65, and 66 licenses and bringing 34 years of industry experience. His prior work includes over a decade at Cantella & Co., Inc. He is also the founder of Ninham Capital Corp. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through independent Financial Professionals utilizing various portfolio management and model-based strategies.

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.

Lisa Preudhomme is a Financial Advisor at Merrill Lynch Wealth Management. She focuses on working closely with clients to understand their individual needs and priorities in order to develop tailored financial strategies. Her approach involves creating personalized plans to support various goals such as retirement planning, funding education, and managing unexpected expenses. Lisa holds a Bachelor's Degree from the State University of New York System and is designated as a Personal Investment Advisor (PIA). She is committed to providing ongoing advice and guidance to clients as their financial needs evolve.

Patricia Weinshank is a financial advisor with LPL Financial in Woodbury, NY, holding Series 63 and Series 66 credentials and bringing 34 years of industry experience. She has worked at Bridgehampton National Bank and LPL Financial since 2016. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including 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 services, utilizing both discretionary and non-discretionary management with support from LPL Research and third-party providers.

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.

William Bredthauer is a CFP® professional with 33 years of experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. for 28 years. Outside of advising, he is a high school basketball referee and co-owner of Nachauer Partners, where he manages an advisory business. Ameriprise is an institutional firm offering a retirement-income planning service tailored to individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to create personalized, non-discretionary recommendation reports.

Richard Allen is a financial advisor at OSAIC with 38 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Sagepoint Financial, Inc. for 14 years. Outside of his advisory role, he owns American Corporate Benefits, Inc., a corporation that sells health, life, and dental insurance, and serves on the boards of the NorthEast Business Group on Health, Inc. and the Zionist Friendship League, Inc. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm combines brokerage and advisory services with multiple advisory platforms, utilizing asset-allocation tools and third-party money managers to manage portfolios across a range of investment types.