Lourdes Cardenas is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. She has been with Merrill since 2015 and previously worked at Bank of America, N.A. Since 2025. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Christopher Bova is a financial advisor at Osaic Wealth, Inc. with two years of industry experience. He holds the Series 66 designation and has previously worked at Securities America Advisors, Inc., Securities America, Inc., and Drift. Outside of his advisory role, he is a co-owner of Carpe Diem Coffee LLC, a coffee stand and trailer concession. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, employing asset-allocation tools and third-party managers to construct portfolios across various asset classes on either a discretionary or non-discretionary basis.

Ryan Sondak is a financial advisor at Ameriprise in Madison, CT, holding a Series 66 designation with three years of industry experience. Prior to joining Ameriprise in 2019, he worked at Nike Inc. and Farina Pizzeria. Ameriprise offers a retirement-income planning service for individuals approaching or in retirement, combining research, modeling, and tax-efficiency analysis to provide written Recommendation Reports tailored to clients meeting specific asset criteria. The firm delivers these services through a centralized team and integrates algorithmic tools with oversight to generate and customize retirement income recommendations.

Sandra Bredthauer is a CERTIFIED FINANCIAL PLANNER™ (CFP®) with 34 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. She previously worked at Ameriprise Financial Services, Inc. for 15 years. Outside of her advisory role, she serves as a Sustainer Representative on a local board of directors in Poughkeepsie, NY. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service focused on retirement-income planning with written recommendation reports and ongoing advice, emphasizing dependable income sources and tax-aware withdrawal strategies.

Preston Foulks Jr. is a financial advisor at OSAIC with 31 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Lincoln Financial Advisors Corporation and Lincoln Financial Advisors. In addition to his advisory role, he is a licensed agent offering fixed life, disability, and long-term care insurance. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services, using asset-allocation tools and multiple platforms to manage portfolios across a range of investment types.

David Lambert is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2016. Morgan Stanley Wealth Management provides a range of advisory programs to both individual and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services that include planning, investment management, and connections with private funds and other financial products.

Susan Murphy is a financial advisor at Merrill with 28 years of industry experience. She has worked at Merrill since 2004 and Bank of America since 2009. Outside of her advisory role, she is involved in managing family-owned commercial and residential real estate properties and serves as a trustee for a family trust. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Csontos Jr. is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and four years of industry experience. His prior work includes a long tenure at Diligent Corporation and roles at Primerica Financial Services. Outside of advising, he works as an usher and ticker scanner at the Hartford HealthCare Amphitheater and serves as a computer clerk for early voter registration in the Town of Fairfield, CT. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors as well as corporate and charitable clients. The firm delivers advisory services through a large network of advisors using model-driven investment strategies supported by third-party asset managers and custodians.

Kerry Phelan is a CFP® professional with 22 years of industry experience, currently serving as a financial advisor at Ameriprise. Prior to joining Ameriprise in 2020, Phelan worked with Ameriprise Financial Services, Inc. for nine years. Outside of advisory work, Phelan oversees operations for CJR Consulting LLC, a consulting business. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning, tax-aware withdrawal strategies, and Social Security claiming options. The firm’s approach integrates proprietary research and third-party data within a defined investment universe influenced by affiliated product providers.

Frederick Landwehr is a financial advisor with LPL Financial, holding Series 63 and Series 65 registrations and bringing 27 years of industry experience. His prior roles include positions at Landwehr & Spaho, CPA's, Securities America Advisors, and National Planning Corporation. He is also a notary public. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and model portfolio programs, utilizing a network of investment adviser representatives who may apply a variety of portfolio strategies.

Matthew Sherman is a financial advisor with Equitable Advisors in Brookfield, CT, holding Series 63 and Series 66 licenses and 14 years of industry experience. He has worked at Equitable Advisors since 2014, including during its prior affiliation as AXA Advisors. Equitable Advisors serves a diverse client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and various asset-management programs. The firm utilizes a range of advisory models and third-party asset managers, providing services that include mutual funds, ETFs, separately managed accounts, and ERISA fiduciary services.

Michael Ranieri is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and bringing 12 years of industry experience. He has worked within various divisions of J.P. Morgan since 2012, including J.P. Morgan Chase Bank and J.P. Morgan Securities. 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 additional market-facing registrations, delivering advisory services alongside affiliated brokerage and investment management capabilities.

James Agrawal is a CFP® professional with 41 years of experience in financial advisory services. He currently works at OSAIC since 2024 and previously spent 18 years at Woodbury Financial Services. He is also the owner of J Agrawal Financial Group, which has been operating since 1994. In addition to his advisory roles, he occasionally teaches a financial education seminar titled "Passport to Retirement" through local school districts. OSAIC serves a wide range of retail and institutional clients, including individual and high-net-worth investors, pension plans, corporations, and charities. The firm provides integrated brokerage and investment advisory services, utilizing various asset-allocation tools and multiple advisory platforms to manage portfolios that include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Hubert Parris is a financial advisor with MassMutual Investors Services, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He previously worked at MetLife Securities Inc. for 19 years before joining MassMutual. Outside of his advisory role, he serves as a trustee managing a townhouse in a family estate and operates as an independent insurance agent covering life, disability, property and casualty, fixed annuities, and health insurance. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring engagements as annual collaborative relationships that emphasize goal analysis and written recommendations.

Steven Jones is a Series 66-licensed financial advisor with Thrivent Investment Management, based in Poughkeepsie, NY. He has 15 years of industry experience and has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2010. Outside of his advisory role, Jones serves as president of the board for Mid-Hudson Love in the Name of Christ, a nonprofit organization assisting individuals and families in need, and holds board leadership positions with Lutheran Care Network and Overlook Estate Association. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors, offering holistic, goal-based financial analyses and planning without discretionary portfolio management.

William Mitchell is a financial advisor with Primerica Advisors in Bethel, CT, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has worked with Primerica since 2002 and has prior experience at companies including Champion Maintenance and UBER. Outside of advising, he is involved in the sale of loan products and home-related services through affiliates of Primerica. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which includes model-delivery strategies and discretionary separately managed account options for individual and high-net-worth clients. The firm uses a wrap-fee structure and curates third-party asset managers, delegating trading responsibilities to BNY Mellon Advisors.

Keith Gillotti is a financial advisor at Wells Fargo Advisors with 39 years of industry experience. He holds Series 63 and Series 65 credentials and has worked within various Wells Fargo entities since 2009. Outside of his advisory role, he serves as an executor for a family estate in Brookfield, CT. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including specialized areas such as business-owner transition and special-needs planning, utilizing Wells Fargo research and tools to develop tailored client recommendations.

David Bergerson II is a financial advisor at Edward Jones with 13 years of industry experience. He previously worked at Merrill Lynch/Bank of America, N.A. for five years and Orion Capital Advisors LLC for two years. Outside of his advisory work, he referees soccer and hockey games at various youth levels. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm offers a range of investment strategies and advisory services supported by a large network of financial advisors and branch offices nationwide.

Alberto Dominguez is a CFP® professional with 16 years of industry experience, currently affiliated with LPL Financial since 2025. His prior experience includes roles at Cadaret, Grant & Co., Inc., Morgan Stanley, and David Lerner Associates. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting both discretionary and non-discretionary strategies.

Mark Burlingame is a Senior Vice President and the Resident Director of the Merrill Lynch Wealth Management office in Poughkeepsie. Since beginning his financial services career at Merrill Lynch in 1998, Mark has focused his expertise on a broad range of client needs including college education planning, personal retirement planning, family wealth management strategies, and philanthropic planning. His approach emphasizes aligning financial plans with clients' unique priorities and long-term goals. Mark holds a Bachelor's degree in Economics from Hamilton College. He has earned several professional designations including the CERTIFIED FINANCIAL PLANNER® (CFP), Chartered Retirement Planning Counselor™ (CRPC), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Beyond his professional duties, Mark serves on the board of directors for Rebuilding Together Dutchess County, demonstrating his involvement in community service. He resides in Poughkeepsie with his wife Sara, a school teacher, and their two sons. Outside of work, Mark enjoys baseball, basketball, football, and golfing, and values spending time with his family.