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.

Max That is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds Series 63 and Series 66 credentials. Outside of his advisory role, Max is a class instructor and brand ambassador for Caffeine Academy, a DJ and music production trade school. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors.

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.

Ryne McEvoy is a Planning Consultant who works closely with clients to define their personal and financial priorities and develop financial plans aimed at helping them achieve their goals. He focuses on understanding his clients' family needs and concerns to maintain attention on their long-term objectives and personal financial goals. Ryne's professional experience includes roles at Fidelity Investments, where he served as an Investment Consultant from 2019 to 2021, a Relationship Manager from 2018 to 2019, and a Financial Representative from 2016 to 2018. Prior to this, he worked as a Personal Banker at Bank of America from 2014 to 2016.

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 holds Series 63 and Series 66 licenses and has previously worked at Wells Fargo Securities, Assured Guaranty, and operated as a self-employed professional. Outside of his advisory role, he is involved in managing real estate ventures through several LLCs based in Fishkill, New York. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets.

James Lukas is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has worked within the Wells Fargo organization since 2009, including roles at Wells Fargo Clearing. In addition to his advisory role, he is the sole proprietor of LUJAM LLC, an investment-related business. Wells Fargo Advisors serves individuals, trusts, and institutional clients, offering a broad range of investment and financial planning services that include cash-flow, retirement, education, and specialized planning such as business-owner transition and special-needs analysis. The firm uses proprietary research and planning tools to develop tailored recommendations, providing clients with flexible implementation options through brokerage or advisory programs.

Lucas Ward is a financial advisor with LPL Financial, holding Series 63 and Series 66 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 serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a variety of advisory and brokerage services including financial planning, model portfolios, third‑party asset management, and institutional platforms.

Kenneth Christman Jr. is a financial advisor at Stifel with 25 years of industry experience. He holds Series 65 and Series 66 licenses and has been with Stifel Nicolaus & Co. Inc. since 2011. Outside of his advisory role, he serves on the Finance and Investment Committee of the Community Foundation of the Hudson Valley. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm's investment approach is based on proprietary forward-looking capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.