Nicholas Mirecki is a financial advisor with OSAIC, holding Series 66 and Series 63 licenses and one year of industry experience. He has worked at Fidelity Investments and Ferrigno Financial before joining OSAIC. Mirecki’s background includes a mix of roles in financial services and education. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a large network of advisers. The firm provides integrated brokerage and advisory services with a focus on portfolio construction using asset-allocation tools, risk assessment, and access to third-party money managers.

Margaret Schimmelpfennig is a financial advisor with Primerica Advisors in Newburgh, NY, holding Series 63 and Series 65 licenses and eight years of industry experience. She has worked with Primerica Advisors since 2018 and has a background in education, having been employed by Hyde Park Central School District for 23 years. In addition to her advisory role, she is involved in sales of loan products and home security referrals through affiliated Primerica companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which provides model-delivery strategies and a limited number of discretionary separately managed accounts for individual and high-net-worth clients. The firm curates third-party asset managers and utilizes a tiered wrap-fee structure for its investment solutions.

Sandra Bredthauer is a CERTIFIED FINANCIAL PLANNER™ (CFP®) with 34 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. She previously worked at Ameriprise Financial Services, Inc. for 15 years. Outside of her advisory role, she serves as a Sustainer Representative on a local board of directors in Poughkeepsie, NY. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service focused on retirement-income planning with written recommendation reports and ongoing advice, emphasizing dependable income sources and tax-aware withdrawal strategies.

Arden Baptiste is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials, and has 31 years of industry experience. He has worked with People's United Advisors, Inc. and People's Securities, Inc. prior to joining LPL Financial. Baptiste also serves as an adjunct professor at Rockland Community College. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a variety of advisory programs and services, including financial planning and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Rajan Kumar is a financial advisor with OSAIC, holding a Series 66 designation and 25 years of industry experience. His prior roles include positions at RBT Wealth LLC, Securities America Advisors, Private Advisor Group, and LPL Financial. Kumar is also the managing member of RBT Wealth, an independent registered investment advisor operating a wealth management division in partnership with a CPA firm. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services with an investment approach that employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing across a wide range of investment products.

David Lambert is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2016. Morgan Stanley Wealth Management provides a range of advisory programs to both individual and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services that include planning, investment management, and connections with private funds and other financial products.

Susan Murphy is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. She has been affiliated with Merrill since 2004 and also with Bank of America since 2009. Outside of her advisory work, she is involved in family-owned real estate ventures, including ownership and management responsibilities for commercial and residential properties in New York. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a variety of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm integrates its services within Bank of America’s broader platform, providing access to a wide range of investment products and additional financial services.

Michael Ranieri is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and bringing 12 years of industry experience. He has worked within various divisions of J.P. Morgan since 2012, including J.P. Morgan Chase Bank and J.P. Morgan Securities. J.P. Morgan Securities LLC 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 additional market-facing registrations, delivering advisory services alongside affiliated brokerage and investment management capabilities.

James Agrawal is a CFP® with 40 years of industry experience, currently serving as a financial advisor at OSAIC since 2024. He previously worked at Woodbury Financial Services for 18 years and has operated his own firm, J Agrawal Financial Group, since 1994. He occasionally teaches financial education seminars through a licensed retirement planning course offered in local public schools. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated financial planning, brokerage, and advisory services, utilizing a range of investment tools and third-party platforms to construct portfolios tailored to client risk tolerance and investment preferences.

Steven Jones is a Series 66-licensed financial advisor with Thrivent Investment Management, based in Poughkeepsie, NY. He has 15 years of industry experience and has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2010. Outside of his advisory role, Jones serves as president of the board for Mid-Hudson Love in the Name of Christ, a nonprofit organization assisting individuals and families in need, and holds board leadership positions with Lutheran Care Network and Overlook Estate Association. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors, offering holistic, goal-based financial analyses and planning without discretionary portfolio management.

Michael Montaruli is a financial advisor with LPL Financial who holds the Series 63 designation and has 10 years of industry experience. He has worked at LPL Financial since 2015 and also maintains a long-term role with Hudson Valley Federal Credit Union since 2005. At Hudson Valley Federal Credit Union, he is involved in insurance services focusing on Medicare-related plans. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network. The firm offers a broad range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Alissa Provanzana is a financial advisor with Cetera who holds Series 63 and Series 66 credentials and has 16 years of industry experience. Her prior work history includes roles at Rhinebeck Bank and Infinex Investments, among others. She serves as a board member for Wallkill Youth Lacrosse and the Inspire Foundation, supporting youth athletics and fundraising for individuals with disabilities. Cetera Investment Advisers LLC is an SEC-registered adviser offering a broad range of portfolio management, financial planning, and retirement services to individuals, employer-sponsored plans, corporate, charitable, and institutional clients. The firm operates a multi-manager platform with access to affiliated and third-party model portfolios and manages over $256 billion in assets through a network of more than 10,000 advisors.

Joseph Montalbano is a CFP®-certified financial advisor with 21 years of industry experience, currently affiliated with Cetera. His career includes roles at Maple Pharmacy/CarePax and Cetera Advisors LLC. Outside of finance, he is involved in managing a modeling and talent agency and serves as director of coaching and scheduling for a local travel baseball organization. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers diverse portfolio management and financial planning services through a multi-manager platform that provides a range of program structures and access to affiliated and third-party managers.

Joshua Stewart is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has been with LPL Financial since 2005. Outside of his advisory role, he is involved in coaching and consulting through Stewart & Associates. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios from LPL Research and third-party subadvisors.

Mark Burlingame is a Senior Vice President and the Resident Director of the Merrill Lynch Wealth Management office in Poughkeepsie. Since beginning his financial services career at Merrill Lynch in 1998, Mark has focused his expertise on a broad range of client needs including college education planning, personal retirement planning, family wealth management strategies, and philanthropic planning. His approach emphasizes aligning financial plans with clients' unique priorities and long-term goals. Mark holds a Bachelor's degree in Economics from Hamilton College. He has earned several professional designations including the CERTIFIED FINANCIAL PLANNER® (CFP), Chartered Retirement Planning Counselor™ (CRPC), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Beyond his professional duties, Mark serves on the board of directors for Rebuilding Together Dutchess County, demonstrating his involvement in community service. He resides in Poughkeepsie with his wife Sara, a school teacher, and their two sons. Outside of work, Mark enjoys baseball, basketball, football, and golfing, and values spending time with his family.

Robert Tannenbaum is a financial advisor with LPL Financial and holds a Series 66 designation. He has five years of industry experience, including previous work at Woodbury Financial Services and a decade-long role at Oneonta College. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by research and model portfolios.

Matthew Nathan is a Financial Advisor with Merrill Lynch Wealth Management who focuses on helping families and businesses achieve their financial goals. He works closely with clients to understand their unique priorities and develop personalized financial strategies that address short-, mid-, and long-term objectives. Matthew provides guidance on a range of topics including investing, retirement planning, and managing unexpected expenses, and offers access to Bank of America specialists for additional financial services. His client focus areas include family wealth management strategies, services for endowments, foundations, and non-profits, as well as socially responsible, values-based, and ESG investing. Matthew holds the Personal Investment Advisor (PIA) designation and obtained his high school diploma from Bruton High School. Outside of his professional work, Matthew engages in horseback riding, hunting, rock climbing, and spending time with his family. His approach emphasizes working one-on-one with clients to create financial plans tailored to their personal and family goals.

Anthony Junjulas is a financial advisor with LPL Financial, holding Series 66 and Series 63 licenses and five years of industry experience. He has been with LPL Financial since 2020 and has also worked at Hudson Valley Credit Union since 2016. Prior to his advisory career, he was involved with Pizza Phil from 2014 to 2016. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm provides a range of financial planning and advisory programs, retirement plan consulting, and brokerage services, supported by research and multiple portfolio management strategies.

Perry Goldschein is a Financial Advisor at Merrill Lynch Wealth Management who advises individuals and businesses on financial planning and investment strategies to help them meet their goals, minimize taxes, and mitigate risk. He has experience integrating sustainability, Environmental Social Governance (ESG), business ownership, group benefits, and charitable or philanthropic considerations into client efforts. Perry's client focus areas include corporate executive services, divorce transition planning, institutional consulting, defined benefit plans, philanthropic planning, small business strategies, socially responsible and ESG investing, individual and corporate investment strategy, tax minimization, and retirement income. Prior to his career in financial advising, Perry worked as a lawyer, entrepreneur, and management consultant, engaging with a range of clients from individual entrepreneurs and professionals to smaller iconic brands and Fortune 500 companies. In his current role, he collaborates closely with colleagues and clients primarily within the financial services industry. Perry holds a Bachelor's Degree from the University of Pennsylvania and a Juris Doctorate Degree from the University of California, Davis. He also holds the Personal Investment Advisor (PIA) designation. He is active in community initiatives and has served on the boards of two environmental nonprofits, Sustainable Hudson Valley and Wallkill Valley Land Trust. Perry resides in the Hudson Valley with his wife and daughter and enjoys hiking, running, biking, chess, photography, rock climbing, reading, traveling, writing, and spending time with his family.

Michael Stock is a financial advisor at LPL Financial with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has held positions at Lincoln Financial Advisors, Mass Mutual Investors Services, and Metlife Securities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management with access to model portfolios and research from multiple sources.