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.

Garry Michel is a CFP® with 19 years of industry experience, currently serving at Cetera since 2016. He also owns Michel Tax Services LLC, which prepares tax returns for individuals and businesses. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual investors, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers.

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 at Equitable Advisors with two years of industry experience. He holds the Series 66 designation. Prior to joining Equitable Advisors, his work history includes positions in education and local service businesses, such as the University of Rhode Island and Dave's Tree Service. Equitable Advisors serves individual clients across a range of wealth levels, as well as pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management programs, utilizing both proprietary and third-party advisory 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, holding a Series 63 designation and bringing 41 years of industry experience. Ashar has worked with Cetera and its affiliates since 2019, following a long tenure at Foresters Financial and Foresters Advisory Services spanning over three decades. Cetera Investment Advisers LLC operates as an SEC-registered multi-manager platform serving a wide range of clients, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and financial planning services through a network of more than 10,000 advisors managing over $256 billion in assets.

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.

Karen Stewart is a financial advisor with LPL Financial in Montgomery, NY. She holds Series 63 and Series 65 licenses and has 26 years of industry experience, including 21 years with LPL Financial (formerly LINSCO/PRIVATE LEDGER CORP.). LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services, with management options that include discretionary and non-discretionary strategies supported by in-house and third-party research.

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.

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.

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.

Peter Russell is a financial advisor at Edward Jones with 11 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

William Bredthauer is a CFP® with 34 years of industry experience, currently serving at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. for 28 years. Outside of his advisory role, he is a high school basketball referee. Ameriprise Financial Services is a large, diversified advisory firm that serves individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on written recommendations and ongoing retirement-income planning that incorporates tax-aware withdrawal strategies and dependable income sources.

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.

Connor Chiulli is a financial advisor with LPL Financial, holding a Series 66 designation and four years of industry experience. His prior roles include positions at MML Investors Services, MassMutual Life Insurance Co, and Morgan Stanley. Outside of his advisory work, he is employed at The Diamond Mine in Poughkeepsie, NY. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Zachary Landy is a financial advisor with LPL Financial, holding a Series 66 designation and one year of industry experience. Prior to joining LPL Financial in 2025, he worked at Cadaret, Grant & Co., Inc. and has experience in collegiate athletics and player development, including roles at Vassar College, Utica University, and Mohawk Valley Baseball Academy. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a nationwide network of investment adviser representatives, offering a range of advisory programs, financial planning, and retirement consulting services.

Eric Bojarczuk is a financial advisor at Ameriprise with 23 years of industry experience. He holds Series 66, Series 63, and Series 65 licenses. Prior to joining Ameriprise in 2026, he worked at LPL Financial from 2014 to 2026, with a brief period of unemployment in 2023-2024. 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 personalized retirement planning focused on income sources and tax-aware withdrawal strategies.

Irene Berner is a financial advisor with LPL Financial in New Paltz, NY, holding Series 63 and Series 65 licenses and 38 years of industry experience. She has been with LPL Financial since 2000. 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 financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.