Jack Cupelli is a financial advisor with LPL Financial and holds a Series 63 designation. He has 36 years of industry experience, including over a decade at Cadaret, Grant & Co., Inc. and ongoing involvement with Cornerstone Financial since 1990. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a network of investment adviser representatives.

Anthony Hoey is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America and Instacart. Outside of finance, he is employed at Hannaford Bros in a non-investment related position. 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 both model-based and discretionary investment strategies for individuals, institutions, and charitable organizations.

Mary Winters is a financial advisor at Merrill with 34 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill since 1986. Outside of her advisory role, she owns a rental property in Florida. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Francis Venezia is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 44 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and previously at Citigroup Global Markets starting in 1993. Outside of his advisory role, he is involved with Good Shepherd Church in Rhinebeck, New York. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, emphasizing structured financial planning supported by firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services that cover both direct and employer-sponsored financial planning arrangements.

Patrick Ferrigno is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at OSAIC since 2023. His prior experience includes roles at FSC Securities Corp and SII Investments, Inc., as well as operating Ferrigno Financial Services since 1992. OSAIC serves a wide range of retail and institutional clients through its network of affiliated advisers and advisory platforms, offering integrated brokerage, investment advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct portfolios and supports both discretionary and non-discretionary account management.

Erica Mosca is a financial advisor at J.P. Morgan Securities with Series 63 and Series 65 credentials and five years of industry experience. She previously worked at TD Private Client Wealth LLC and TD Bank N.A. J.P. Morgan Securities provides investment consulting and advisory services mainly 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.

Richard Decker is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. His prior roles include positions at Key Investment Services LLC, Wells Fargo Clearing, OSAIC Institutions, Inc., and Prudential Equity Group, LLC. He is also involved with Wealth Management at Hudson Valley Credit Union. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and third-party asset management, and supports advisors with research and operational tools.

Charles Medlicott is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. He has worked at Cetera since 2019, following prior roles at Foresters Financial Services and associated entities dating back to 2002. Outside of advising, he serves as a fire commissioner for the Bloomingburg Fire Company, where he participates in financial oversight. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party model portfolios and various program structures.

Aaron Verdile is a financial advisor with LPL Financial, holding a CFP® designation and Series 63 and 65 licenses, with 13 years of industry experience. He previously worked at Cadaret, Grant & Co., Inc. for seven years and Pruco Securities LLC along with The Prudential Insurance Company of America for two years each. Outside the financial industry, Verdile is the owner of EXT Productions, LLC, a business he has operated since 2001. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supporting advisors with research tools and a broad spectrum of investment strategies.

Dawn Mcmenamin is a financial advisor with Primerica Advisors in Poughkeepsie, NY, holding a Series 63 designation and 26 years of industry experience. She has been with Primerica Advisors since 2000 and Primerica Financial Services since 1999. In addition to her advisory role, she 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, offering model-delivery strategies and discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm uses third-party asset managers and custodians such as BNY Mellon Advisors and Pershing to implement its investment models.

Shirley Morillo Guercio is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and four years of industry experience. Her career includes roles at Edward Jones, JP Morgan Chase Bank, and Hudson Valley Credit Union. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset management, supported by technology and a broad platform of financial solutions.

Kirk Maraglia is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and over 24 years of industry experience. His prior roles include positions at Bank of America, Merrill, and HSBC Securities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, with advice delivered by a large network of investment adviser representatives.

Andrew Donovan is a CFP® with 35 years of industry experience, currently serving at LPL Financial. He has worked in the financial services sector since 2001 with Linsco/Private Ledger Corp. and maintains a role as a FINRA arbitrator in dispute resolution. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a variety of investment programs and employs both discretionary and non-discretionary strategies, supported by technology and a broad range of financial products.

Robert Terry is a Series 65 licensed financial advisor with Equitable Advisors in Poughkeepsie, NY, bringing 48 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, since 1999. Outside of advisory work, he serves as a basketball and football game referee. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to a diverse client base including individuals, pension plans, corporations, and charitable organizations. The firm utilizes a range of advisory models implemented through its network of Investment Adviser Representatives and third-party asset managers.

Justin Semke 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 2013. Outside of his advisory role, Semke serves on the Board of Directors for LaGrange Sunrise Rotary, where he is Immediate Past-President, and holds leadership roles with the Hudson Valley Young Professionals committee and the Dutchess County Regional Chamber of Commerce. Ameriprise is a large institutional firm offering retirement-income planning services primarily to individuals with significant investable assets. The firm provides a range of advisory, brokerage, and insurance solutions, employing a structured, research-driven approach to retirement income planning that includes algorithmic automation and tax-efficiency analysis.

Shirley Hannigan is a financial advisor with Equitable Advisors in Carmel, NY, holding a Series 66 designation and 20 years of industry experience. She has been with Equitable Advisors and its predecessor, AXA Advisors, since 2006. In addition to her advisory role, she serves as a director on the Clearing in the Woods Condo Association board. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, charities, and institutional clients. The firm utilizes a network of investment adviser representatives and partners with third-party asset managers to offer a range of investment programs and fiduciary services.

Gregory Ashe is a financial advisor with Primerica Advisors in Poughkeepsie, NY, holding Series 63 and Series 65 licenses and 16 years of industry experience. He has been with Primerica Advisors since 2010 and has worked in Primerica Financial Services since 1999. Outside of advising, he is involved in sales of loan products and home security and automation services through affiliates of Primerica. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm operates at scale with nearly 3,700 advisors and offers model-driven investment strategies managed by third-party asset managers.

Lam Wong Carbone is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. His prior experience includes roles at People's United Bank, Chase Investment Services Corp., and People's Securities, Inc. He also provides notary services for bank and investment clients. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, and institutions. The firm offers a range of advisory and brokerage services, utilizing both proprietary and third-party investment solutions supported by advanced operational tools.

Michael Lentini is a financial advisor at LPL Financial with 15 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at firms including JPMorgan Securities LLC and M&T Securities Inc. Outside of his advisory work, he serves as the varsity girls head soccer coach for the Beacon City School District. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, institutions, and retirement plan participants through a large network of investment adviser representatives.

Tyler Miller is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. He has previously worked at Bank of America and various retail companies. Outside of his advisory role, he is the owner of LeapYear, a clothing business based in Middletown, NY. 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.