Scott Morrow is a CFP® professional with 24 years of experience, currently serving at LPL Financial since 2007. He is based in Beacon, NY and holds the Series 63 designation. In addition to his advisory role, he is involved with Hudson Valley Federal Credit Union Insurance Services, offering Medicare Advantage, Medicare Supplements, and Prescription Drug Plans. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, leveraging a large network of investment adviser representatives and employing diverse strategies including model portfolios, third-party asset management, and customized investment approaches.

Rachel Hendricks is a financial advisor with Primerica Advisors based in Goshen, NY, holding Series 63 and Series 65 credentials and 16 years of industry experience. Her prior roles include positions with Pocono Mountains Economic Development Corporation and Milford Township. Outside of advisory work, she is involved in sales of home security, automation products, and loan products through affiliated companies. 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 clients. The firm employs model-delivery investment strategies managed by unaffiliated managers and supports execution and custody through Pershing and BNY Mellon Advisors.

Mary Martin is a financial advisor with Primerica Advisors in Goshen, NY, holding a Series 63 designation and 12 years of industry experience. Her background includes prior work at Warner Construction Inc. She is also self-employed as a bookkeeper for Cedar Lakes Estate LLC and operates an accounting and tax service, As You Wish Accounting and Tax Service. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm manages approximately $15.5 billion in assets through a network of about 3,987 advisors using model-based investment strategies and discretionary management options.

Anthony Hoey is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America and Instacart. Outside of finance, he is employed at Hannaford Bros in a non-investment related position. 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 both model-based and discretionary investment strategies for individuals, institutions, and charitable organizations.

Karla Galazzo is a financial advisor with Primerica Advisors, holding a Series 63 designation and 19 years of industry experience. She has been with Primerica since 2007 and has previous work experience at Orange County Partnership and Princeton Upholstery. In addition to her advisory role, she is involved in sales of investment-related products and referrals for home security and automation services through affiliated companies. Primerica Advisors is a large institutional firm managing a wrap-fee asset management program primarily for individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-based strategies managed by unaffiliated asset managers and provides advisory services through a nationwide network of advisors.

Patrick Ferrigno is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at FSC Securities Corp and SII Investments, Inc. Ferrigno has operated Ferrigno Financial Services since 1992. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by model-based asset allocation, portfolio optimization, and multiple program options including Unified Managed Accounts and third-party money managers.

Erica Mosca is a financial advisor at J.P. Morgan Securities with five years of industry experience. She holds Series 65 and Series 63 licenses and has previously worked at TD Private Client Wealth LLC and TD Bank N.A. before joining J.P. Morgan in 2025. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, offering written asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program supported by centralized due diligence and a combination of quantitative and qualitative research.

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.

Jennifer Pucci is a financial advisor with Raymond James & Associates in Goshen, NY, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. She has been with Raymond James & Associates since 2014. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base—including individuals, institutional clients, and charitable organizations—and offers financial planning, investment consulting, and institutional fiduciary solutions with a range of portfolio management styles and research resources.

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.

Gary Zink is a CFP®-designated financial advisor with 42 years of industry experience. He is affiliated with OSAIC and has worked at Royal Alliance Associates, Inc. since 2004 and American Pension Advisors Inc. since 1989, where he serves as president of a third-party administration services firm. OSAIC Wealth serves a wide range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning, advisor-managed portfolios, and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization supported by risk assessments and leverages a complex affiliate network and private-equity ownership.

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.

Luisa Paltin Zhingri is a financial advisor with J.P. Morgan Securities in Peekskill, NY, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. She has been with J.P. Morgan Securities since 2017 and has been affiliated with JPMorgan Chase Bank, N.A. since 2011. Outside of her advisory role, she is a partner in Vibra Centro de Aprendizaje SPA, a Chile-based online psychology business offering therapy and seminars. J.P. Morgan Securities provides institutional consulting services focused on asset allocation advice, investment manager selection, and customized performance reporting for plan sponsors, corporations, and endowments. The firm’s advisory process combines quantitative and qualitative research and incorporates ESG factors, delivering non-discretionary recommendations supported by centralized due diligence.

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.

Neal Winter is a financial advisor at Primerica Advisors with 28 years of industry experience. He has worked at Primerica Advisors since 1998 and previously worked at Xerox Corporation for over 40 years. In addition to his advisory role, he is involved in sales of loan products and home security and automation services through affiliated Primerica companies. Primerica Advisors is a large institutional firm that offers 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 clients. The firm employs model-driven investment strategies managed by unaffiliated asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Paul Koerner III is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at JPMorgan Chase Bank and J.P. Morgan Securities since 2014. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research to develop model asset allocations and incorporates ESG criteria within a non-discretionary program.

Margaret Lucido is a financial advisor at Primerica Advisors with 26 years of industry experience. She holds Series 63 and Series 65 credentials and has worked with Primerica Advisors since 2000. Her career also includes experience with Public Partnerships, LLC, and self-employment since 1993. Outside of advisory services, she is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors serves primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm manages a wrap-fee asset management program that utilizes model-delivery strategies created by unaffiliated asset managers and offers a range of investment models including strategic, tactical, tax-managed, and income-distribution approaches.

Emalie Lasko is a financial advisor at LPL Financial with eight years of industry experience. She holds a Series 63 designation and has worked at LPL Financial since 2018. Lasko is also affiliated with Hudson Valley Federal Credit Union, where she provides financial services and wealth management as part of her role. 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.

Lam Wong Carbone is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. His prior experience includes roles at People's United Bank, Chase Investment Services Corp., and People's Securities, Inc. He also provides notary services for bank and investment clients. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, and institutions. The firm offers a range of advisory and brokerage services, utilizing both proprietary and third-party investment solutions supported by advanced operational tools.

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.