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.

Gregory Lutfy is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has worked since 2013. He has been in the financial services industry for 29 years. He focuses on wealth management and retirement planning, working closely with clients to build, preserve, and transition wealth through personalized financial strategies. Greg's approach centers on risk analysis and tailored financial plans based on client goals and timelines, addressing key needs of wealthy individuals and families. His client focus areas include managing new wealth, portfolio management services, sports and entertainment, and retirement income. He holds the Personal Investment Advisor (PIA) designation. Greg resides in Milford, Pennsylvania with his wife Patricia and their three children. His personal interests include fishing, golfing, hiking, and scuba diving. He completed his high school education through the Pennsylvania State System of Higher Education.

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.

Jeffrey Orlouski is a financial advisor with LPL Financial in Greenwood Lake, NY, holding Series 63 and Series 65 registrations and bringing 27 years of industry experience. His prior work includes positions at National Securities Corp and Gladstone Wealth Partners. 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, utilizing model portfolios, third-party subadvisors, and customized strategies across various asset classes.

Kevin Regan is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been with Merrill Lynch since 2011 and joined the team in 2013. Kevin works with clients to assist with investment and administrative needs, helping them pursue their retirement goals and build strong client relationships. Kevin's professional background includes experience in biodefense research before transitioning to financial services in 2009. His expertise encompasses areas such as college education planning, corporate retirement plan services, divorce transition planning, family wealth management strategies, services for endowments, foundations, and non-profits, managing new wealth, personal retirement planning, socially responsible investing, and retirement income. He holds the Personal Investment Advisor (PIA) designation. Kevin graduated from the State University of New York at Albany with a bachelor's degree in computer science and molecular biology, with a minor in finance. He is currently completing an MBA with a concentration in finance. Outside of his professional work, Kevin has interests in adventure sports, baseball, boxing, football, golfing, skydiving, and spending time with his family.

Lawrence Mcternan is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 31 years of industry experience. His prior work includes roles at Wells Fargo Clearing, HSBC Securities, and TD Wealth Management Services, among others. 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, supported by a large network of advisors and advanced operational tools.

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 credentials and has worked at OSAIC since 2023. His prior experience includes roles at FSC Securities Corp and SII Investments, Inc., as well as operating Ferrigno Financial Services since 1992. OSAIC serves a wide range of retail and institutional clients through its network of affiliated advisers and advisory platforms, offering integrated brokerage, investment advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct portfolios and supports both discretionary and non-discretionary account management.

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 worked previously at TD Private Client Wealth LLC and TD Bank N.A. since 2016. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program.

Luigi Fratto is a financial advisor with Equitable Advisors, holding Series 66 and Series 63 licenses and bringing two years of industry experience. His work history includes roles at multiple organizations, including Suny New Paltz, TNT Movers, and Pellegrinos Pizzeria. Equitable Advisors serves a broad client base, including individual investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset management programs, utilizing a network of Investment Adviser Representatives and primarily relying on third-party sponsors for advisory models and investment solutions.

Thomas Ammons is a financial advisor with LPL Financial, holding the PFS™ designation and Series 63 license, and has 33 years of industry experience. He has worked at LPL Financial since 2017 and previously spent nine years with National Planning Corporation. Ammons is also a CPA and president of Affinity Advantage Inc, an accounting and tax preparation firm, and owns a Medicare and group health insurance business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides a wide range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

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.

John Mc Namara is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and 34 years of industry experience. He has been with Merrill since 2009, following prior roles at Banc of America Investment Services, Inc. and Quick & Reilly, Inc. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

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.

Shirley Morillo Guercio is a financial advisor with LPL Financial, holding Series 66 and Series 63 licenses and four years of industry experience. She has worked at firms including Edward Jones, JP Morgan Chase Bank, and Hudson Valley Credit Union. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives. The firm offers a range of financial planning, retirement advice, and institutional investment platforms, utilizing model portfolios and third-party strategies across various asset classes.

Luisa Paltin Zhingri is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and having nine years of industry experience. She has been with J.P. Morgan Securities since 2017 and has worked at JPMorgan Chase Bank, N.A. since 2011. Outside of her advisory role, she is an owner and partner of Vibra Centro de Aprendizaje SPA, a small online psychology business based in Chile that offers individualized therapy and seminars. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework.

Erick Eichner is a financial advisor with Equitable Advisors in Middletown, NY, holding a Series 66 designation and three years of industry experience. Prior to joining Equitable Advisors, his work history includes roles in healthcare and golfing services. 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 range of third-party advisory models and proprietary programs.

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 with J.P. Morgan Securities, holding Series 63 and Series 66 designations and bringing 16 years of industry experience. He has been with J.P. Morgan Securities since 2015 and previously worked at JPMorgan Chase Bank. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Margaret Lucido is a financial advisor with Primerica Advisors in Middletown, NY, holding Series 63 and Series 65 licenses and with 25 years of industry experience. She has worked at Primerica Advisors since 2000 and has over 30 years of self-employed experience, including roles at Lucido & Associates and Public Partnerships, LLC. Outside of advisory services, she is involved in sales of home security, automation products, and mortgage loan products through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-based investment strategies managed by third parties and supports trade execution and account custody through BNY Mellon Advisors and Pershing.