Mark Choinski is a financial advisor with LPL Financial, holding Series 63, 65, and 66 designations and 27 years of industry experience. His prior roles include positions at Securities America Advisors, National Planning Corporation, and General Tax and Financial Services. In addition to his advisory work, Choinski is involved in tax preparation and accounting through Oak Tree Financial Advisors LLC and related entities. 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, and institutional platforms, supported by IARs who implement a variety of investment strategies.

Tavish Laidlaw is a financial advisor with LPL Financial holding a Series 66 designation and currently based in New Paltz, NY. He has less than one year of industry experience. His prior work includes roles at Hudson Valley Federal Credit Union, Adams Fairacre Farms, and Walden Savings Bank. 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 and access to various portfolio management options.

Timothy Neilson serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. In his role, he focuses on family wealth management strategies, legacy planning, personal retirement planning, portfolio management services, and retirement income. He emphasizes a collaborative approach, seeking to understand clients’ life priorities to develop personalized financial plans that align with their goals and aspirations. Timothy holds the Personal Investment Advisor (PIA) designation and earned his Bachelor of Arts from the State University of New York System. He is committed to community involvement, volunteering with local organizations, and following the Merrill tradition of service. Outside of his professional work, Timothy enjoys biking, hiking, music, reading, writing, yoga, and spending time with his family.

John Senchak is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and seven years of industry experience. He has been with LPL Financial since 2019 and is also affiliated with Hudson Valley Federal Credit Union, where he has worked since 2014. Outside of his advisory role, Senchak is involved with JatiMara Ink Works, a home-based business entity for tax and investment purposes. 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, supported by a large network of investment adviser representatives.

Martin Cukaj is a CFP® professional with 33 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. for 15 years. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets, delivering tailored recommendation reports through a centralized consulting team that combines research, modeling, and tax-efficiency analysis. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Michael Starego is a financial advisor with Equitable Advisors in Poughkeepsie, NY, holding Series 63 and Series 66 licenses and having eight years of industry experience. He has worked at Equitable Advisors since 2017, following prior roles at AXA Advisors LLC, IBM, and Juliano Plumbing and Heating. Equitable Advisors serves a broad 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 both proprietary and third-party investment solutions.

Daniel Trainor is a financial advisor with Charles Schwab & Co., Inc., holding Series 63 and Series 66 credentials and 27 years of industry experience. His prior roles include positions at TD Ameritrade and Fidelity. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, employing multi-asset model portfolios and a centralized operational structure.

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.

Lori Coombs is a financial advisor with Cetera, holding a Series 63 designation and 27 years of industry experience. She has worked at Cetera and its affiliate Cetera Investment Services LLC since 2013. Cetera Investment Advisers LLC is an SEC-registered firm that serves a wide range of clients including individuals, retirement plans, corporate and charitable accounts, and institutions. The firm offers diverse portfolio management options and financial planning services through a large network of independent advisors, managing over $256 billion in assets.

Andrew Jones is a Series 66-licensed financial advisor at Merrill with four years of industry experience. His work history includes roles at Bank of America, Merrill, One Main Financial, TD Bank, and Nike. Merrill, along with its affiliate Managed Account Advisors LLC (MAA), provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions (SPS) Program, offering a range of model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Raymond Abreu is a financial advisor with LPL Financial in Poughkeepsie, NY, holding a Series 66 designation and three years of industry experience. His prior work includes roles at Hudson Valley Credit Union, Advance Auto Parts, and Dover Middle/High School. Abreu also serves as a notary within his work at Hudson Valley Credit Union. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management programs and supports its advisors with research tools and a broad platform including non-advisory financial services.

Jack Cupelli is a financial advisor with LPL Financial and holds a Series 63 designation. He has 36 years of industry experience, including over a decade at Cadaret, Grant & Co., Inc. and ongoing involvement with Cornerstone Financial since 1990. 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, supported by a network of investment adviser representatives.

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.

Mary Winters is a financial advisor at Merrill with 34 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill since 1986. Outside of her advisory role, she owns a rental property in Florida. 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 offers both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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.

Shawn Shaughnessy is a financial advisor with Cetera who holds a Series 63 designation and has 13 years of industry experience. He has worked with Cetera since 2013 and is also involved with Wealth Planning Services Inc and ACME Accountants and Advisors Inc, focusing on tax, accounting, and payroll services. Additionally, he serves as treasurer for the Highland Rotary Club, a local service organization. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform, combining affiliated and third-party managers with multiple program options.

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.