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.

Arthur Stern is a financial advisor at Morgan Stanley with 32 years of industry experience. He has been with Morgan Stanley Private Bank since 2015 and has also worked with Morgan Stanley Smith Barney and Citigroup Global Markets. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and market simulations.

William Rae is a financial advisor with Wells Fargo Clearing who holds Series 63 and Series 65 licenses and has 42 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Morgan Stanley in 2014. Outside of his advisory role, he serves as co-executor for family estates involving investment-related matters. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and combines research from Wells Fargo Investment Institute and third-party data to support its investment approach grounded in diversification and modern portfolio theory.

Randall Gerardes is a financial advisor at Morgan Stanley with nine years of industry experience. He previously worked at Wells Fargo Securities and Assured Guaranty before joining Morgan Stanley in 2025. Outside of his advisory role, Gerardes is involved in real estate through several investment entities in Fishkill, New York. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services through its Financial Advisors and Estate Planning Strategies Group.

Michelle Reihbandt is a financial advisor at Morgan Stanley with six years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2018, including a position at Morgan Stanley Private Bank, N.A. She serves as a board member of the Kingston Cal Ripken organization, a recreational group in Kingston, New York. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies.

James Lukas is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 credentials and 38 years of industry experience. He has worked with Wells Fargo Clearing from 2016 to 2023 before joining Wells Fargo Advisors. Lukas is the sole proprietor of LUJAM LLC, an investment-related business based in Edison, NJ. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning and investment services, including specialized planning for business-owner transitions, sports and entertainment, special-needs, and divorce, supported by proprietary research and planning tools.

Christopher De Forest is a financial advisor with Morgan Stanley in Kingston, NY, holding Series 63 and Series 66 licenses and having eight years of industry experience. He has worked at Morgan Stanley and its Private Bank since 2018 and previously was with National Securities Corp. De Forest is also involved with Defo LLC, which he has been affiliated with since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions. The firm’s financial planning process uses structured discovery and firm-approved tools, supporting comprehensive planning without providing individual security recommendations as part of standalone programs.

Kenneth Christman Jr. is a financial advisor at Stifel with 25 years of industry experience. He holds the Series 66 and Series 65 designations 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 broad range of clients, including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services. The firm's investment approach is based on a proprietary methodology developed by its Investment Strategy Group, which uses forward-looking capital market assumptions and probabilistic modeling to guide asset allocation and planning.