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 licenses and has worked previously at FSC Securities Corp and SII Investments, Inc. Ferrigno has operated Ferrigno Financial Services since 1992. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by model-based asset allocation, portfolio optimization, and multiple program options including Unified Managed Accounts and third-party money managers.

Erica Mosca is a financial advisor at J.P. Morgan Securities with five years of industry experience. She holds Series 65 and Series 63 licenses and has previously worked at TD Private Client Wealth LLC and TD Bank N.A. before joining J.P. Morgan in 2025. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, offering written asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program supported by centralized due diligence and a combination of quantitative and qualitative research.

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.

Jennifer Pucci is a financial advisor with Raymond James & Associates in Goshen, NY, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. She has been with Raymond James & Associates since 2014. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base—including individuals, institutional clients, and charitable organizations—and offers financial planning, investment consulting, and institutional fiduciary solutions with a range of portfolio management styles and research resources.

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 licenses and four years of industry experience. Her prior experience 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 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.

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.

Emalie Lasko is a financial advisor at LPL Financial with eight years of industry experience. She holds a Series 63 designation and has worked at LPL Financial since 2018. Lasko is also affiliated with Hudson Valley Federal Credit Union, where she provides financial services and wealth management as part of her role. 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.

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 Series 66 licensed advisor with Merrill, based in New Windsor, NY, and has two years of industry experience. Prior to his current role, he held positions at Bank of America and several retail companies. He is also the owner of a clothing business called LeapYear. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Craig P. Irwin is a Senior Vice President and Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in a wide range of financial services including family wealth management strategies, services for endowments, foundations, and non-profits, legacy planning, liquidity management, personal retirement planning, portfolio management, individual and corporate investment strategy, tax minimization, and retirement income. He is recognized for his expertise in these areas and was named to the 2024 Forbes "Top Next-Generation Wealth Advisors Best-in-State" list. Craig joined Merrill Lynch Wealth Management in 2008 following his graduation with a Bachelor of Science in Economics and Management from The University of Arizona. He holds the Chartered Retirement Planning Counselor™ (CRPC™) designation and Personal Investment Advisor (PIA) credential. Craig actively contributes to his community and serves as Vice Chair on The Foundation for Vassar Brothers Medical Center board of directors. He has also served on the boards of several non-profit organizations. He lives in Poughkeepsie, NY with his wife Amy and their daughters Bess and Annie. His personal interests include antiquing, boating, fishing, golfing, hiking, ice hockey, interior decorating, reading, running, and spending time with his family.