Michelle Rawl is a financial advisor with Primerica Advisors in Kingston, NY, holding Series 63 and Series 65 licenses and six years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 2019. Outside of her advisory role, she owns and operates Rawl Research, LLC, a non-investment related business. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and a limited number of separately managed account options under a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, employing various investment models including Strategic, Tactical, Tax-Aware, and Income Distribution approaches.

George Pogyo is a financial advisor at Cetera with Series 63 and Series 65 credentials and five years of industry experience. He has worked at Cetera since 2020 and has prior experience including roles at SUNY at Plattsburgh and Dutchess Community College. Outside of advisory work, he is a 33% owner of JMG Mountain Trucking LLC. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of over 10,000 independent advisors. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party managers and program structures.

Theresa Scott is a financial advisor at Stifel with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Stifel Nicolaus & Co Inc since 2011. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and advisory services with an investment approach based on proprietary analysis and probabilistic modeling developed by its Investment Strategy Group.

Christopher Tomaskovic serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. With over 20 years of experience in the financial services industry, he works closely with individuals, families, and businesses to develop and implement financial strategies tailored to their unique circumstances and goals. His expertise spans areas including college education planning, family wealth management strategies, legacy planning, retirement planning, and services for endowments, foundations, and defined benefit plans. He holds a Bachelor's Degree from Fordham University, graduating Magna Cum Laude with a major in Government and Politics and a minor in Economics. Christopher has earned professional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Beyond his professional role, Christopher is actively involved in his community. He is the Founding Chairman and current Board Member of the Dutchess County Gaelic Athletic Association, a Past-President and Member of the Dutchess County Ancient Order of Hibernians, and participates on various boards including the Marist Red Fox Club, Notre Dame Club of the Mid-Hudson Valley, and committees such as the Dutchess County St Patrick's Parade Committee. He supports several charitable organizations including the Center for the Prevention of Child Abuse and the Dutchess County 10-13 Foundation. He enjoys coaching his daughter Grace's basketball and Gaelic football teams, playing golf, and organizing fundraising events.

John Gadonniex is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been with the firm since 1996, focusing on creating strategies and recommendations for individuals and families to assist in achieving both short- and long-term financial goals. John employs a consultative and objective approach to wealth management. He begins by thoroughly reviewing client financial situations, preferences, and objectives. He then proposes asset allocation recommendations tailored to reflect each client's income and growth expectations. Additionally, he engages in ongoing discussions covering a variety of financial opportunities, including investments, retirement, education, and estate planning services. John holds the CERTIFIED FINANCIAL PLANNER™ (CFP) certification awarded by the Certified Financial Planner Board of Standards, Inc., and he also holds the Personal Investment Advisor (PIA) designation. He earned his Bachelor of Science degree in Finance from the University of Central Florida in 1991.

Matthew Cruz is a financial advisor with LPL Financial in Poughkeepsie, NY, holding a Series 63 designation and 19 years of industry experience. He has been with LPL Financial (formerly LINSCO/PRIVATE LEDGER CORP.) since 2006. Outside of his advisory role, he sells whole life and term insurance through Madison Brokerage Corp. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and brokerage services, utilizing model portfolios, third-party subadvisors, and advanced technologies to support discretionary and non-discretionary management strategies.

Leona Chan is a financial advisor at Cetera with nine years of industry experience and holds the PFS™ and Series 63 credentials. She has worked with firms including Avantax Investment Services, LPL Financial, and Lincoln Financial Advisors. In addition to her advisory work, she serves as a board member and deacon for children’s ministry at Mid-Hudson Chinese Christian Church. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients including individuals, retirement plans, and institutional accounts. The firm operates a multi-manager platform offering portfolio management, financial planning, and access to third-party money managers through various program structures and custodial relationships.

Scott Dancyger is a Series 63 licensed financial advisor with LPL Financial in Newburgh, NY, bringing 22 years of industry experience. He has worked with LPL Financial since 2010 and has been involved with Hudson Valley Federal Credit Union since 2011. In addition to his advisory role, he holds property and casualty insurance licenses but does not actively solicit business or receive commissions. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a wide range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Anthony Di Gennaro is a financial advisor at Edward Jones in New Windsor, NY, holding the Series 63 designation with 23 years of industry experience. He has been with Edward Jones since 2005. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients through a nationwide network of more than 23,700 financial advisors. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Anibal Cruz III is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and four years of industry experience. His prior work includes roles at Fidelity Investments, Charles Schwab & Co., Inc., and Amazon. He is also involved with Hudson Valley Credit Union in a licensed branch employee capacity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services through a national network of investment adviser representatives.

Philip Fulco Jr. is a Certified Financial Planner® associated with LPL Financial, with 35 years of industry experience. He previously worked at Cadaret, Grant & Co., Inc. and Pinnacle Planning for 15 years and has operated Professional Financial Consultants since 2017. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and nonprofits through a broad network of investment adviser representatives. The firm offers various advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Olivia Prashad is a financial advisor at LPL Enterprise with a Series 66 designation and one year of industry experience. Her prior work includes roles at Pruco Securities LLC and JTW Advisors LLC, as well as positions affiliated with Syracuse University. Outside of finance, she has experience in the hospitality industry, having worked at Phil's Pizzeria. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and corporations through both advisory and brokerage channels. The firm offers a range of financial planning, consulting, and asset management services supported by proprietary research and third-party portfolio strategists.

Charles Betcher is a financial advisor with Edward Jones in New Windsor, NY, holding Series 63 and Series 66 registrations and three years of industry experience. Prior to joining Edward Jones in 2025, he worked at MML Investors Services LLC and MassMutual Life Insurance Co from 2021 to 2024. His background also includes experience in the automotive and service industries. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Dave Grimes is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds a Series 66 designation and has previously worked at Merrill and Bank of America, N.A. His current role at J.P. Morgan Securities began in 2023. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Silvestro Fabrizio is a ChFC® credentialed financial advisor with 38 years of industry experience. He is currently with LPL Financial and has previously worked at Lincoln Financial Advisors, Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and Metlife Securities Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, with access to model portfolios, third-party subadvisors, and various technology-driven portfolio management tools.

Brenda Hotaling is a financial advisor at LPL Financial with 32 years of industry experience. She holds the Series 63 designation and has previously worked at Cetera Investment Services and Foresters Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers diverse advisory programs, retirement plan consulting, and brokerage services supported by research and a range of model portfolio options.

Michael Porpora is a financial advisor with OSAIC, holding a Series 66 designation and 15 years of industry experience. His prior roles include positions at B. Riley Wealth Advisors, B. Riley Wealth Management, and National Securities Corporation. Outside of advisory work, he is involved in life insurance, annuity sales, and personal tax preparation through businesses he owns and operates. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and automated rebalancing to manage portfolios that include a variety of investment products on both discretionary and non-discretionary bases.

Alexander Morphet is a financial advisor with Thrivent Investment Management, holding Series 63 and Series 65 credentials and 17 years of industry experience. His prior roles include positions at Infinex Investments, Rhinebeck Bank, Hudson Valley Fed Credit Union, and LPL Financial. Outside of his advisory work, Morphet serves as an activities coordinator at Mirror Lake Retreat, an officer for Hudson Valley Bridge Builders, and treasurer for Friends of Seniors. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive planning across various financial topics using goal-based analyses and modeling tools. The firm supports combining planning with managed-account services under a consolidated billing option called “WealthPlan” but does not provide institutional portfolio management or discretionary trading authority for its Dedicated Planning Service.

Thomas Murphy Jr. is a Series 66-licensed financial advisor with Merrill, based in Poughkeepsie, NY, and has 12 years of industry experience. He has worked with Merrill since 2013 and Bank of America since 2014. Murphy also serves as a trustee in a nonprofit capacity, dedicating time monthly to that role. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, and charitable organizations. The firm leverages integration with Bank of America to provide access to a broad range of products and services beyond typical managed account offerings.

Jovan Fryar is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing 10 years of industry experience. His career includes roles at JPMorgan Chase Bank, N.A., Bank of America, and Merrill. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and centralized due diligence. The firm offers non-discretionary advisory services that incorporate an ESG eligibility framework and access to a broad range of approved funds and strategies.