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.

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 who holds Series 63 and Series 65 licenses and has 45 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Prudential Equity Group, LLC from 2002 to 2003. Outside of her advisory role, she owns and operates a beekeeping business. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm combines research and analytics with a variety of brokerage and advisory solutions to support client investment needs.

Mauro Parra is a financial advisor with LPL Financial, holding a Series 66 designation and having one year of industry experience. Prior to joining LPL Financial, he worked at Hudson Valley Federal Credit Union and Banker's Life Conseco, and has a background in nonprofit and community services, including five years with Catholic Charities Community Services. He is also involved in financial services at Hudson Valley Federal Credit Union. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions through a broad network of investment adviser representatives. The firm offers a range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies supported by advanced operational tools.

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.

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.

James Rishel is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. Prior to joining LPL Financial in 2022, he worked for Cadaret, Grant & Co., Inc. for 22 years. He is also a CPA and provides tax preparation and accounting services through his own practice. 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.

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.

Joshua Stratton is a financial advisor with Ameriprise Financial Services, LLC and holds a Series 66 credential. He has 19 years of industry experience, including 15 years at LPL Financial. In addition to his advisory work, Stratton serves as a board member of TEG Federal Credit Union and is employed by Marist College. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing planning advice focused on retirement income, utilizing proprietary investment research and third-party data.

Lisa Vedder is a Senior Financial Advisor with Merrill Lynch Wealth Management. She focuses on creating personalized wealth management strategies that align with her clients' individual financial goals. Utilizing insights from Merrill and solutions from Bank of America, she develops flexible plans to navigate changing market conditions. Lisa holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). She earned her High School Diploma from Roosevelt High School. Committed to the Merrill tradition of community involvement, she dedicates time to volunteering with local organizations.

Johannes Brand is a financial advisor with Primerica Advisors in Poughkeepsie, NY, holding a Series 63 designation and 16 years of industry experience. He has been with Primerica Advisors since 2009 and Primerica Financial Services since 2008. In addition to his advisory role, he is involved in selling loan products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selectively managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Nicholas Cacace is a financial advisor with MassMutual Investors Services, holding a Series 63 designation and bringing 23 years of industry experience. He has worked with MML Investors Services since 2014 and MassMutual Life Insurance Company since 2013. In addition to his advisory role, he is an insurance agent specializing in life, disability, long-term care, and fixed annuities. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, using firm-approved software tools to develop written recommendations tailored to client goals.

Mark Cukaj is a financial advisor at Ameriprise with Series 66 credentials and five years of industry experience. He has worked with Ameriprise since 2019 and previously spent five years at Cross Court Tennis Club. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Allison Culley is a financial advisor with Merrill, holding Series 63, 65, and 66 licenses and 26 years of industry experience. She has worked at Merrill since 2000 and concurrently with Bank of America, N.A. since 2015. Merrill, along 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Eric Traditi 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 2015. Outside of advisory work, he is a 50% owner of a franchise fast casual restaurant through a holding company. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written retirement income plans and ongoing advice focused on dependable income and tax-aware withdrawal strategies.

Lyle Roberts is a financial advisor at LPL Enterprise with 43 years of industry experience. He holds the Series 63 designation and previously worked at Prudential Insurance Company of America and Pruco Securities, LLC from 1979 until 2024. Roberts also holds a real estate license as a referral agent, although he has not earned a commission in this area for about 10 years. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and institutional entities. The firm uses model-driven investment implementation and offers access to third-party asset managers, with additional services such as affiliated trust custody and insurance product sales.

Randall Gerardes is a financial advisor at Morgan Stanley with nine years of industry experience. He previously worked at Wells Fargo Securities and Assured Guaranty before joining Morgan Stanley in 2025. Outside of his advisory role, Gerardes is involved in real estate through several investment entities in Fishkill, New York. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services through its Financial Advisors and Estate Planning Strategies Group.

James Lukas is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 credentials and 38 years of industry experience. He has worked with Wells Fargo Clearing from 2016 to 2023 before joining Wells Fargo Advisors. Lukas is the sole proprietor of LUJAM LLC, an investment-related business based in Edison, NJ. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning and investment services, including specialized planning for business-owner transitions, sports and entertainment, special-needs, and divorce, supported by proprietary research and planning tools.

Lucas Ward is a financial advisor with LPL Financial, holding Series 66 and Series 63 credentials and five years of industry experience. Prior to joining LPL Financial in 2021, he worked at Hudson Valley Credit Union and Chipotle Mexican Grill. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plans, banks, trust companies, and other institutions. The firm provides a wide range of investment solutions including financial planning, model portfolio programs, third-party asset management, and institutional platforms.