Mark Temple is a financial advisor at Merrill with 21 years of industry experience. He has held his current position since 2012 and holds Series 63 and Series 66 credentials. 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.

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.

Jason Burt is a financial advisor at Ameriprise with 23 years of industry experience. He holds a Series 66 designation and has been with Ameriprise since 2006. Outside of his advisory role, he serves on the Board of Directors for the Premier Cares Foundation and manages a consulting business focused on financial planning. Ameriprise offers a retirement-income planning service tailored to clients approaching or in retirement, typically serving those with at least $1 million in net investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written recommendation reports, with a focus on assets held in Ameriprise-managed accounts.

Ricardo Ventura is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and having 16 years of industry experience. His work history includes roles at JPMorgan Chase Bank, Wells Fargo, and J.P. Morgan Securities. Outside of his advisory work, he has ownership interests in a vehicle rental business and a real estate holding company, though he is not actively involved in their day-to-day operations. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

John Vita IV is a financial advisor with Equitable Advisors, holding a Series 66 designation and one year of industry experience. Before joining Equitable Advisors, he held various roles including teaching positions and personal training. He is also involved as a seasonal football coach at Arlington High School. Equitable Advisors serves a broad client base including individuals, retirement plans, corporations, and charitable organizations, offering financial planning and asset management services through a network of Investment Adviser Representatives and third-party program sponsors.

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 is 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 client focus areas include college education planning, family wealth management, legacy planning, personal retirement planning, and services for endowments, foundations, non-profits, and defined benefit plans. Christopher graduated Magna Cum Laude from Fordham University with a Bachelor's Degree, majoring in Government & Politics and minoring in Economics. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Beyond his professional work, Christopher is actively involved in community organizations such as the Dutchess County Gaelic Athletic Association, where he serves as Founding Chairman and Board Member, the Dutchess County Ancient Order of Hibernians, and the Dutchess County St Patrick's Parade Committee. He also contributes to the Dutchess County 10-13 Foundation, The Center for the Prevention of Child Abuse, and other charitable organizations. Christopher enjoys coaching basketball and Gaelic football, playing golf, spending time with his family, and traveling.

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, holding a Series 63 license and having 19 years of industry experience. He has been with LPL Financial since 2006. Outside of his advisory role, he is involved in selling life insurance through Madison Brokerage Corp. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with research tools and various investment options.

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.

Kimberly Barnett is a financial advisor at Edward Jones with 17 years of industry experience. She previously worked at LPL Financial for 13 years and Hudson Valley Federal Credit Union for 15 years. Barnett holds a Series 63 designation. 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 and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Scott Dancyger is a financial advisor with LPL Financial in Newburgh, NY, holding a Series 63 designation and 23 years of industry experience. He has worked with LPL Financial for 16 years and has been affiliated with Hudson Valley Federal Credit Union for 15 years. Dancyger holds property and casualty insurance licenses but does not solicit business or receive commissions from them. 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.

Michael Lewis is a financial advisor at Fidelity with two years of industry experience. He previously worked at Hudson Valley Credit Union and has a background that includes roles at the US Census Bureau and CJL Fine Jewelry Design. In addition to his advisory work, he has experience in financial institution duties at Hudson Valley Credit Union. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and managed solutions.

Philip Fulco Jr. is a CFP®-designated financial advisor with 35 years of industry experience. He is currently affiliated with LPL Financial and has held previous roles at Cadaret, Grant & Co., Inc. and Pinnacle Planning. He also operates Professional Financial Consultants, a DBA for his LPL business. 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, third-party asset management, and institutional platforms.

Steven Knapp is a financial advisor with Equitable Advisors in Poughkeepsie, NY, holding Series 63 and Series 65 licenses and having 28 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisor, LLC, since 1999. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing a variety of proprietary and third-party advisory models.

Silvestro Fabrizio is a financial advisor with LPL Financial, holding the ChFC® designation and Series 63 license, with 38 years of industry experience. His prior roles include positions at Lincoln Financial Advisors, Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and Metlife Securities Inc. Fabrizio is also involved in insurance-related activities and operates under Lincoln Wealth Strategies, LLC as part of his advisory business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, with a focus on utilizing research models, third-party subadvisors, and customized strategies.

Derek Adnams is Vice President and Wealth Planner, focusing on developing customized financial plans to help clients and their families manage their wealth effectively. He works closely with clients to understand their personal and financial stories, assess their current situations, and align strategies toward their future goals. Derek's professional experience includes roles such as Financial Consultant at Fidelity Investments since 2021, Premier Banker at Wells Fargo in 2021, Financial Consultant at TD Ameritrade from 2019 to 2021, and other positions with Capital One, Scottrade, MassMutual Albany Agency, Highland Capital Brokerage, New York Life, MassMutual Financial Group, CUNA Mutual Group, and Prudential Financial dating back to 1998. These roles have contributed to his expertise in financial consulting and wealth planning. No information regarding Derek's education, credentials, personal interests, or community involvement was provided.

Brenda Hotaling is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 32 years of industry experience. Her prior experience includes roles at Foresters Financial, Foresters Advisory Services LLC, BOJO's, and Cetera Investment Services LLC. 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 institutions. The firm offers a range of solutions including financial planning, model portfolios, and institutional platforms, supported by a large network of advisors and advanced research and operational tools.

Alexander Morphet is a financial advisor with Thrivent Investment Management, holding Series 63 and Series 65 credentials and 18 years of industry experience. His career includes roles at Thrivent Financial, Infinex Investments, Rhinebeck Bank, Hudson Valley Federal Credit Union, and LPL Financial. Outside of his advisory work, he is involved in community activities including serving as Treasurer for Friends of Seniors and participating in youth service projects through Hudson Valley Bridge Builders. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based financial planning across various topics but does not provide portfolio management for institutional clients or discretionary trading authority for its planning services.

Thomas Murphy Jr. is a financial advisor at Merrill with 13 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2013 and Bank of America, N.A. since 2014. He also serves as a trustee in a non-investment-related capacity. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.