Zachary Njoga is a financial advisor with Primerica Advisors, holding a Series 63 designation and 13 years of industry experience. He has worked at Pfs Investments Inc. since 2011 and with Primerica Financial Services since 2008. In addition to his advisory role, he is involved in the sale of loan products and home security and automation referrals through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and selectively managed accounts for individual and high-net-worth clients, with a focus on wrap-fee solutions rather than institutional plan management.

Connor Coyle is a financial advisor at Osaic with 10 years of industry experience. He holds a Series 66 designation and has previously worked at Morgan Stanley and Securities America. He is a volunteer member of the Pearl River Chamber of Commerce. Osaic Wealth, Inc. serves a broad range of clients, including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and investment advisory services, financial planning, and access to third-party money managers through a network of affiliated advisors and multiple platforms.

Anibal Cruz III is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and four years of industry experience. His prior work includes roles at Fidelity Investments, Charles Schwab & Co., Inc., and Amazon. He is also involved with Hudson Valley Credit Union in a licensed branch employee capacity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services through a national network of investment adviser representatives.

Olivia Prashad is a financial advisor at LPL Enterprise with a Series 66 designation and one year of industry experience. Her prior work includes roles at Pruco Securities LLC and JTW Advisors LLC, as well as positions affiliated with Syracuse University. Outside of finance, she has experience in the hospitality industry, having worked at Phil's Pizzeria. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and corporations through both advisory and brokerage channels. The firm offers a range of financial planning, consulting, and asset management services supported by proprietary research and third-party portfolio strategists.

Charles Betcher is a financial advisor with Edward Jones in New Windsor, NY, holding Series 63 and Series 66 registrations and three years of industry experience. Prior to joining Edward Jones in 2025, he worked at MML Investors Services LLC and MassMutual Life Insurance Co from 2021 to 2024. His background also includes experience in the automotive and service industries. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Paolo Saggese is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 certifications and five years of industry experience. He has worked at Primerica Advisors since 2021 and Primerica Financial Services since 2020. In addition to his financial advisory role, he maintains a dental practice through Paolo Saggese DMD PLLC, which he has operated since 2014. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-based investment strategies managed by third-party asset managers and supports advisory services through a large network of financial advisors.

Brenda Hotaling is a financial advisor at LPL Financial with 32 years of industry experience. She holds the Series 63 designation and has previously worked at Cetera Investment Services and Foresters Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers diverse advisory programs, retirement plan consulting, and brokerage services supported by research and a range of model portfolio options.

Michael Porpora is a financial advisor with OSAIC, holding a Series 66 designation and 15 years of industry experience. His prior roles include positions at B. Riley Wealth Advisors, B. Riley Wealth Management, and National Securities Corporation. Outside of advisory work, he is involved in life insurance, annuity sales, and personal tax preparation through businesses he owns and operates. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and automated rebalancing to manage portfolios that include a variety of investment products on both discretionary and non-discretionary bases.

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.

Albert Delorenzo Jr. is a CFP® professional with 53 years of industry experience, currently affiliated with LPL Financial since 1991. He holds a Series 63 license and is based in Newburgh, NY. Outside of his advisory work, he serves as a high school baseball umpire through the Orange County Baseball Umpires Association. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a broad range of advisory programs and financial planning services, using both discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

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 who holds Series 63 and Series 65 licenses and has 40 years of industry experience. He has been with Ameriprise since 1986 and currently serves as chairman of the Andrew Nissen Scholarship Fund board of directors. Richard also manages his practice through Richard Martin LLC. Ameriprise Financial Services is a large, diversified advisory firm that serves both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides retirement-income planning advice through a centralized team, using proprietary research and third-party tools to focus on dependable income sources and tax-aware withdrawal strategies.

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.