Francis Venezia is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 44 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and previously at Citigroup Global Markets starting in 1993. Outside of his advisory role, he is involved with Good Shepherd Church in Rhinebeck, New York. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, emphasizing structured financial planning supported by firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services that cover both direct and employer-sponsored financial planning arrangements.

Richard Decker is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. His prior roles include positions at Key Investment Services LLC, Wells Fargo Clearing, OSAIC Institutions, Inc., and Prudential Equity Group, LLC. He is also involved with Wealth Management at Hudson Valley Credit Union. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and third-party asset management, and supports advisors with research and operational tools.

Charles Medlicott is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. He has worked at Cetera since 2019, following prior roles at Foresters Financial Services and associated entities dating back to 2002. Outside of advising, he serves as a fire commissioner for the Bloomingburg Fire Company, where he participates in financial oversight. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party model portfolios and various program structures.

Omar Carnecchia is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked with JPMorgan Chase Bank, N.A., J.P. Morgan Securities LLC, and Chase Investment Services Corp. since 2010. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program. The firm’s advisory process combines quantitative and qualitative research and includes capabilities in derivatives and commodities through specialized regulatory registrations.

Aaron Verdile is a financial advisor with LPL Financial, holding a CFP® designation and Series 63 and 65 licenses, with 13 years of industry experience. He previously worked at Cadaret, Grant & Co., Inc. for seven years and Pruco Securities LLC along with The Prudential Insurance Company of America for two years each. Outside the financial industry, Verdile is the owner of EXT Productions, LLC, a business he has operated since 2001. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supporting advisors with research tools and a broad spectrum of investment strategies.

Dawn Mcmenamin is a financial advisor with Primerica Advisors in Poughkeepsie, NY, holding a Series 63 designation and 26 years of industry experience. She has been with Primerica Advisors since 2000 and Primerica Financial Services since 1999. In addition to her advisory role, she is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm uses third-party asset managers and custodians such as BNY Mellon Advisors and Pershing to implement its investment models.

Shirley Morillo Guercio is a financial advisor with LPL Financial holding Series 63 and Series 66 licenses and four years of industry experience. Her prior experience includes roles at Edward Jones, JP Morgan Chase Bank, and Hudson Valley Credit Union. 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 portfolio programs, third-party asset management, and institutional platforms.

Kirk Maraglia is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and over 24 years of industry experience. His prior roles include positions at Bank of America, Merrill, and HSBC Securities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving 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, and institutional platforms, with advice delivered by a large network of investment adviser representatives.

Andrew Donovan is a CFP® with 35 years of industry experience, currently serving at LPL Financial. He has worked in the financial services sector since 2001 with Linsco/Private Ledger Corp. and maintains a role as a FINRA arbitrator in dispute resolution. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a variety of investment programs and employs both discretionary and non-discretionary strategies, supported by technology and a broad range of financial products.

Robert Terry is a Series 65 licensed financial advisor with Equitable Advisors in Poughkeepsie, NY, bringing 48 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, since 1999. Outside of advisory work, he serves as a basketball and football game referee. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to a diverse client base including individuals, pension plans, corporations, and charitable organizations. The firm utilizes a range of advisory models implemented through its network of Investment Adviser Representatives and third-party asset managers.

Justin Semke is a financial advisor with Ameriprise in Pleasant Valley, NY, holding a Series 66 designation and 11 years of industry experience. He has been with Ameriprise and its affiliated entities since 2013. Outside of his advisory role, Semke serves on the Board of Directors for LaGrange Sunrise Rotary, where he is Immediate Past-President, and holds leadership roles with the Hudson Valley Young Professionals committee and the Dutchess County Regional Chamber of Commerce. Ameriprise is a large institutional firm offering retirement-income planning services primarily to individuals with significant investable assets. The firm provides a range of advisory, brokerage, and insurance solutions, employing a structured, research-driven approach to retirement income planning that includes algorithmic automation and tax-efficiency analysis.

Gregory Ashe is a financial advisor with Primerica Advisors in Poughkeepsie, NY, holding Series 63 and Series 65 licenses and 16 years of industry experience. He has been with Primerica Advisors since 2010 and has worked in Primerica Financial Services since 1999. Outside of advising, he is involved in sales of loan products and home security and automation services through affiliates of Primerica. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm operates at scale with nearly 3,700 advisors and offers model-driven investment strategies managed by third-party asset managers.

Michael Lentini is a financial advisor at LPL Financial with 15 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at firms including JPMorgan Securities LLC and M&T Securities Inc. Outside of his advisory work, he serves as the varsity girls head soccer coach for the Beacon City School District. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, institutions, and retirement plan participants through a large network of investment adviser representatives.

Craig P. Irwin is a Senior Vice President and Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in a wide range of financial services including family wealth management strategies, services for endowments, foundations, and non-profits, legacy planning, liquidity management, personal retirement planning, portfolio management, individual and corporate investment strategy, tax minimization, and retirement income. He is recognized for his expertise in these areas and was named to the 2024 Forbes "Top Next-Generation Wealth Advisors Best-in-State" list. Craig joined Merrill Lynch Wealth Management in 2008 following his graduation with a Bachelor of Science in Economics and Management from The University of Arizona. He holds the Chartered Retirement Planning Counselor™ (CRPC™) designation and Personal Investment Advisor (PIA) credential. Craig actively contributes to his community and serves as Vice Chair on The Foundation for Vassar Brothers Medical Center board of directors. He has also served on the boards of several non-profit organizations. He lives in Poughkeepsie, NY with his wife Amy and their daughters Bess and Annie. His personal interests include antiquing, boating, fishing, golfing, hiking, ice hockey, interior decorating, reading, running, and spending time with his family.

Adam Gartside is a financial advisor at OSAIC with six years of industry experience. He holds a Series 66 designation and previously worked at Pinnacle Investments, LLC and Valic Financial Advisors. In addition to his advisory role, he has been involved in a painting and construction business for over a decade. OSAIC serves a diverse client base including individual investors, retirement plans, charities, and corporate clients, offering both brokerage and advisory services through a multi-advisor platform. The firm’s investment approach utilizes model-based asset allocation and portfolio optimization, supporting a range of managed account strategies and third-party manager selections.

Alexandra Lasky is a Series 66-registered financial advisor with LPL Financial, based in Wappingers Falls, NY. She has two years of industry experience, including roles at Hudson Valley Credit Union and Globex International Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services through a large network of representatives, utilizing model portfolios, third-party subadvisors, and customized strategies.

Thomas Geoghegan is a CFP® professional with 11 years of industry experience, currently affiliated with Edward Jones since 2014. He holds a Series 66 designation and is based in Beacon, NY. Outside of his advisory role, he manages Geoghegan Holdings, LLC, an LLC related to a rental property in Arizona. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment and advisory services. The firm manages approximately $1.01 trillion in assets and operates through a nationwide network of over 23,700 financial advisors.

Kenneth Mc Cormick is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 18 years of industry experience. He has worked with firms including LPL Financial and Ulster Savings Bank. He also serves as trustee of the Cathleen A. McCormick Irrevocable Trust. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services, featuring multiple program structures and access to third-party money managers.

Tyler Bates is a financial advisor at Ameriprise in Rhinebeck, NY, holding a Series 66 designation with five years of industry experience. He has been with Ameriprise since 2018 and serves on the Board of Directors for CPCA. Ameriprise provides retirement-income planning services primarily for clients with at least $1 million in net investable assets, combining research and modeling with personalized recommendations focused on income sources, Social Security options, and tax-efficient withdrawal strategies.

Robert Greenwald is a financial advisor at J.P. Morgan Securities with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities since 2012, also working at JPMorgan Chase Bank since 2007. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary program. Its advisory process integrates quantitative and qualitative research and includes capabilities in derivatives and commodities through broader regulatory registrations.