Matthew Cruz is a financial advisor with LPL Financial, holding a Series 63 license and having 19 years of industry experience. He has been with LPL Financial since 2006. Outside of his advisory role, he is involved in selling life insurance through Madison Brokerage Corp. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with research tools and various investment options.

Michael Lewis is a financial advisor at Fidelity with two years of industry experience. He previously worked at Hudson Valley Credit Union and has a background that includes roles at the US Census Bureau and CJL Fine Jewelry Design. In addition to his advisory work, he has experience in financial institution duties at Hudson Valley Credit Union. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and managed solutions.

Christina Paul is a CFP® with over 32 years of experience in the financial services industry. She has been with Morgan Stanley since 2009, including her current role at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and provides planning services that emphasize client implementation while generally acting in an advisory capacity.

Robert Trismen is a financial advisor with J.P. Morgan Securities, holding a Series 63 license and bringing 41 years of industry experience. He has worked with J.P. Morgan Securities since 2006 and has been employed at JPMorgan Chase Bank, N.A. since 2010. Outside of his financial career, he oversees Quiet Moon Alpacas, an alpaca farm that sells fiber. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized manager due diligence to support non-discretionary decision making.

Steven Knapp is a financial advisor with Equitable Advisors in Poughkeepsie, NY, holding Series 63 and Series 65 licenses and having 28 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisor, LLC, since 1999. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing a variety of proprietary and third-party advisory models.

Andrea Morris is a financial advisor at Mass Mutual Investors Services with 10 years of industry experience. She holds the Series 66 designation and has previously worked at Edward Jones, LPL Financial, and First Midwest Bank. 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, focusing on collaborative, annual planning relationships using firm-approved analytic tools.

Adan Koepp is a financial advisor at LPL Financial with a Series 66 credential and less than one year of industry experience. Prior to joining LPL Financial, he held roles at Dutchess Community College, Hudson Valley Credit Union, Golden Russet, and taught at Rhinebeck Middle School and High School. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of financial planning and portfolio management services supported by technology and a broad network of advisors.

Thomas Murphy Jr. is a financial advisor at Merrill with 13 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2013 and Bank of America, N.A. since 2014. He also serves as a trustee in a non-investment-related capacity. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Richard Marr is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his career as a financial advisor in 1997 and has dedicated himself to understanding financial markets and assisting clients in managing their finances to achieve stability and purpose. He holds a Bachelor's Degree from Antioch College and a Master's Degree from the University of Chicago. In 2018, Richard earned the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification and is also recognized as a Personal Investment Advisor (PIA). Richard speaks English and Chinese. Beyond his professional work, Richard is involved in community organizations including the Citizens Climate Lobby and the Rhinebeck Rotary. He balances his financial expertise with his interest in art, contributing to his approach in investing and planning.

Christopher Stala is a Financial Solutions Advisor at Merrill Lynch Wealth Management. In his role, he focuses on understanding clients’ unique perspectives and priorities to help develop personalized financial strategies. He works with clients to pursue a range of goals including investing, retirement planning, funding education, managing healthcare costs, and addressing family long-term objectives. Christopher provides ongoing advice and guidance based on clients’ evolving needs and connects them with specialists at Bank of America for services such as banking, credit, home financing, and small business solutions. He emphasizes clear communication and transparency to simplify the complexities of wealth management. He holds a Bachelor's Degree from Columbia University and a Master of Business Administration from the Kellogg Graduate School of Management.

Denise Bolte is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. She has worked at Wells Fargo Clearing since 2016, following seven years with Wells Fargo Advisors LLC. Outside of her advisory role, she owns and operates a beekeeping business in Staatsburg, NY. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering a range of services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm uses an IPS-driven approach based on modern portfolio theory and acts as an ERISA fiduciary when providing investment advice.

Philip Meltzer is a CFP® professional with 23 years of experience in the financial industry. He has been with Wells Fargo Advisors since 2013. Outside of his primary role, he is involved with Meltzer & Hill Wealth Advisory LLC and Meltzer Asset Management Inc., both investment-related ventures. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including cash-flow, retirement, education, risk and wealth-transfer planning, as well as specialized services like business-owner transition and special-needs analysis.

Sarah Cuozzo is a financial advisor with Morgan Stanley in Poughkeepsie, NY, holding Series 63 and Series 66 credentials and bringing 10 years of industry experience. She has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley since 2018, with prior experience at LPL Financial and National Planning Corporation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets, utilizing structured discovery processes and firm-approved tools such as Monte Carlo simulations to model financial outcomes.

Steven Dawson is a financial advisor with LPL Financial in Kingston, NY, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been associated with Linsco/Private Ledger Corp. since 2000, operating under the DBA Safety Harbor Financial in Saugerties, NY. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions through a network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, managing over $819 billion in discretionary assets.

Michael Ferraro is a financial advisor with Ameriprise Financial Services LLC, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He worked at Senate Securities for 21 years before joining Ameriprise in 2021. Ferraro serves on the board of directors for the Mental Health Association of Ulster County. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Kristin Bay is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 licenses and five years of industry experience. She previously worked for Skyline for 25 years and has been with Ameriprise since 2020. Bay also works as a consultant for Endevour Exhibits, a retail sales business. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides tailored retirement planning advice through a combination of proprietary research and third-party data. The firm’s approach emphasizes dependable income sources, tax-aware withdrawal strategies, and operates within a defined investment universe influenced by its affiliated product ecosystem.

Narinder Bains is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has worked at LPL Financial since 2009 and was previously with Merrill from 2001 to 2009. His other business activities include work related to non-variable insurance products such as whole life and universal life insurance. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, emphasizing both discretionary and non-discretionary strategies supported by advanced advisor tools.

Shaheen Soltankhah is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been working as a Financial Advisor since 2011, beginning his career with Merrill. Shaheen focuses on providing targeted and comprehensive financial advice and portfolio management strategies tailored to each client's individual needs. His areas of expertise include institutional consulting, defined benefit and contribution plan services, managing new wealth, retirement planning, small business strategies, socially responsible investing, tax minimization, and retirement income. He holds a Bachelor's Degree in Business Economics from the State University of New York College at Oneonta. Shaheen has earned several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). As a lifelong member of the Hudson Valley community and a native of Kingston, he maintains a strong commitment to the success of his community and neighbors. Outside of his professional role, Shaheen enjoys music, reading, spending time with his family, traveling, and watching movies.

Max That is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds Series 63 and Series 66 credentials. Outside of his advisory role, Max is a class instructor and brand ambassador for Caffeine Academy, a DJ and music production trade school. 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 through a select group of Wealth Advisors.

Matthew Giorgi is a financial advisor with LPL Financial, holding a Series 63 designation and 20 years of industry experience. He has been with LPL Financial since 2006, based in Poughkeepsie, NY. His other business activities include involvement with Hudson Valley Credit Union financial and 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, third-party asset management, and institutional platforms.