Jovan Fryar is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing 10 years of industry experience. His career includes roles at JPMorgan Chase Bank, N.A., Bank of America, and Merrill. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and centralized due diligence. The firm offers non-discretionary advisory services that incorporate an ESG eligibility framework and access to a broad range of approved funds and strategies.

Melissa Hourihan is a financial advisor with Ameriprise in Washingtonville, NY, holding a Series 66 designation and bringing three years of industry experience. She previously worked at Bruderman Asset Management, LLC for 13 years before joining Ameriprise in 2022. Ameriprise provides a retirement-income planning service tailored to individuals nearing or in retirement who meet specific asset thresholds, combining research and modeling techniques to deliver tax-smart withdrawal strategies and Social Security claiming advice. The firm also offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Peter Dedel is a financial advisor with Ameriprise Financial Services LLC, holding a Series 66 designation and bringing 46 years of industry experience. He previously worked at Bruderman Brothers Inc. and Gary Goldberg & Co., Inc. Dedel serves on the Board of Directors for the Eagle Valley Volunteer Fire Company and is a Commissioner for the Tuxedo Joint Fire District. Ameriprise offers retirement-income planning services focused on individuals nearing or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written recommendations, delivered by a centralized consulting team in partnership with financial advisors.

Charles Twoguns is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has worked with Primerica Advisors since 1999 and also has a long tenure with Rush Computer Rentals. Outside of his advisory work, Twoguns serves as an assistant coach for a girls varsity lacrosse team and works as a lacrosse trainer. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and discretionary separately managed accounts for individual and high-net-worth clients. The firm focuses on a tiered wrap-fee structure and curates third-party asset managers with oversight of model offerings.

Richard Martin is a financial advisor with Ameriprise in Ocala, FL, holding Series 63 and Series 65 designations and 39 years of industry experience. He has been with Ameriprise and its predecessor firm since 1986. Martin serves as chairman of the Andrew Nissen Scholarship Fund board of directors and manages his practice through Richard Martin LLC. Ameriprise offers retirement-income planning services targeted at individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to produce written recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Michael Pine is a financial advisor with Mass Mutual Investors Services in Newburgh, NY, holding a Series 63 designation and 37 years of industry experience. He has been with Mass Mutual Investors Services and Massachusetts Mutual Life Insurance Co. since 1991. Pine serves as finance committee chairperson for Abilities First NY, a nonprofit foundation for individuals with special needs. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser providing financial planning, asset management, and educational seminars to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved software tools to analyze client goals and delivers written recommendations within annual, collaborative planning engagements.

David Goldring is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 29 years of industry experience. He has worked with Cetera and its affiliate firms since 2007 and has led Goldring Wealth Management Services Inc. since 2011. Outside of his advisory role, he is involved in accounting, bookkeeping, and tax preparation through a separate business. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of over 10,000 independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with various investment program options and custodial relationships.

Augusto La Torre 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 at J.P. Morgan Securities since 2012 and has been with JPMorgan Chase Bank, NA since 2007. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering its program on a non-discretionary basis.

Barry Goldberg is a financial advisor at Fisher Investments with nine years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at J. J. Burns & Company for two years before joining Fisher Investments in 2018. Fisher Investments serves a global clientele including institutional and high-net-worth private clients, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm’s centralized investment process combines quantitative screening and qualitative research to build globally diversified portfolios and employs tax-aware and risk management strategies.

James Bannon is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he works one-on-one with clients to define their financial goals and develop portfolio strategies designed to help achieve those objectives. He provides ongoing advice and adjusts strategies as clients' situations evolve. James holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He earned both his Bachelor's and Master's degrees from the University of Scranton. He is affiliated with Bank of America and participates in the Rotary Club as part of his community involvement.

Claire Diele is a financial advisor at Equitable Advisors with 26 years of industry experience. She has held the Series 63 and Series 65 designations and has been with Equitable Advisors since 2001, having also worked at AXA Advisors, LLC during that time. Outside of her advisory role, she was involved with American Dream Promotions Inc. for over four decades. Equitable Advisors serves a diverse client base including individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm offers financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers, using a hybrid referral and implementation model.

Michael Carter is a financial advisor with Ameriprise, holding a Series 63 designation and 28 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise provides a retirement-income planning service focused on individuals nearing or in retirement who meet specific asset criteria. The firm offers a combination of advisory, brokerage, and insurance solutions, using a centralized consulting team and algorithmic tools to deliver tailored, tax-efficient retirement income recommendations.

Ryan Coakley is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been with Merrill since 2015 and has a total of 17 years of experience in the financial services industry. Ryan uses a goals-based wealth management approach, working with individuals, families, and businesses to create personalized financial strategies that align with their risk profiles and investment styles. He focuses on areas such as investment consulting for defined contribution plans, managing new wealth, personal retirement planning, portfolio management services, and retirement income strategies. Ryan began his career with Bank of America in 2005 and gained experience as a Financial Center Manager before joining Merrill Lynch Wealth Management. He holds Series 7 and 66 FINRA registrations, Life and Health Insurance Licenses with New York State, and obtained the Certified Plan Fiduciary Advisor (CPFA) designation in 2018. This designation allows him to provide Merrill's 401(k) platform to local businesses and non-profit organizations, helping clients achieve successful retirement outcomes while addressing fiduciary responsibilities. A lifelong resident of Orange County, Ryan holds an Associate's Degree from The College of Westchester and a High School Diploma from Newburgh Free Academy. He serves on the boards of the Orange County Chamber of Commerce, Greater Cornwall Chamber of Commerce, and Inspire Foundation. Ryan is also involved with organizations including the Cornwall Lions Club and the Food Bank of the Hudson Valley. In his personal time, he enjoys cooking, gardening, golfing, hiking, racquetball, tennis, watching movies, and spending time with his family.

James Fitzgerald is a financial advisor with Stifel in Goshen, NY, holding the Series 63 and Series 66 designations and bringing 10 years of industry experience. He previously worked at Wells Fargo Advisors, Hudson Valley Investment Advisors, Inc., and D.A. Davidson & Co. Fitzgerald maintains an active real estate license in New York. Stifel serves a diverse client base including individuals, institutional clients, and municipal entities, providing both brokerage and investment advisory services. The firm’s investment approach incorporates proprietary forward-looking capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Steven Campione is a Financial Advisor at Merrill Lynch Wealth Management. He works closely with clients to define their financial goals and develop portfolio strategies tailored to help them achieve those goals. His client focus areas include college education planning, family wealth management, liquidity management, managing new wealth, portfolio management services, small business strategies, individual and corporate investment strategy, tax minimization, and retirement income. Steven's approach to financial planning emphasizes understanding what success looks like for each individual, family, or business. He centers his work on listening, building lasting relationships, and providing personalized guidance tailored to each client's unique circumstances. His services encompass retirement planning, investment management, wealth accumulation, risk management, legacy planning, and more. He holds a Bachelor's Degree from Salisbury University, a Bachelor's Degree from the State University of New York system, and a Master of Business Administration (MBA) from the State University of New York system. Steven holds the Series 7 and 66 FINRA registrations, along with the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) professional designations. He has also been involved with the Student Managed Investment Fund at SUNY New Paltz from 2022 to 2024.

Hayden Bell is a financial advisor with Mass Mutual Investors Services and holds Series 65 and Series 63 licenses. He has five years of industry experience, including prior roles at Northwestern Mutual Wealth Management Company and Cintas Corporation. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm structures financial planning as annual, collaborative engagements using firm-approved software to analyze goals and deliver written recommendations.

Wanda Vasse Koerner is a financial advisor at J.P. Morgan Securities with 24 years of industry experience. She holds Series 63 and Series 65 designations and has been with J.P. Morgan Securities since 2012, having also worked at JPMorgan Chase Bank since 2006. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm integrates institutional advisory operations with brokerage, distribution, and investment management capabilities.

Nicholas Tuck is a financial advisor at Osaic with 37 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at Securities America Advisors and National Planning Corporation. Outside of his advisory role, he owns an insurance sales business and manages multiple financial service entities, including Quest Wealth Services LLC. Osaic Wealth, Inc. serves a diverse client base that includes individual and high-net-worth investors, institutions, and charitable organizations. The firm offers a range of advisory and brokerage services, employing asset-allocation tools and third-party platforms to construct and manage portfolios across various investment types.

Darrell Williams is a financial advisor with Primerica Advisors, holding a Series 63 designation and 25 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 1999 and 2000 respectively. Prior to his financial career, he spent over three decades with the NYC Department of Sanitation. Outside of advising, he 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, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed account options. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Gregory Caragine is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. He holds a Series 66 credential and has worked at PIMCO Investments LLC prior to joining J.P. Morgan in 2019. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.