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.

Johnny Copeland is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Wells Fargo Clearing and Wells Fargo Bank prior to his current role. Copeland also spent two years affiliated with Baruch College. J.P. Morgan Securities provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager searches, and customized performance reporting, delivering these services alongside affiliated brokerage and investment management capabilities.

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 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 financial advisor at Merrill with 13 years of experience and holds the Series 66 designation. He has worked at Merrill since 2013 and at Bank of America, N.A. since 2014. Outside of his advisory role, he serves as a trustee of a nonprofit organization. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Patricia Jones is a financial advisor at Raymond James & Associates with 6 years of industry experience. She holds Series 65 and Series 63 licenses and previously worked for Dalton, Greiner, Hartman, Maher & Co., LLC for 19 years before joining Raymond James. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutional clients, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary services, utilizing a variety of portfolio management styles supported by extensive research and affiliated sub-advisers.

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.

Albert Delorenzo Jr. is a CFP® professional with 53 years of industry experience, currently affiliated with LPL Financial since 1991. He holds a Series 63 license and is based in Newburgh, NY. Outside of his advisory work, he serves as a high school baseball umpire through the Orange County Baseball Umpires Association. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a broad range of advisory programs and financial planning services, using both discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

Christopher Stala is a Financial Solutions Advisor at Merrill Lynch Wealth Management. In his role, he focuses on understanding clients’ unique perspectives and priorities to help develop personalized financial strategies. He works with clients to pursue a range of goals including investing, retirement planning, funding education, managing healthcare costs, and addressing family long-term objectives. Christopher provides ongoing advice and guidance based on clients’ evolving needs and connects them with specialists at Bank of America for services such as banking, credit, home financing, and small business solutions. He emphasizes clear communication and transparency to simplify the complexities of wealth management. He holds a Bachelor's Degree from Columbia University and a Master of Business Administration from the Kellogg Graduate School of Management.