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.

Mauro Parra is a financial advisor with LPL Financial, holding a Series 66 credential and one year of industry experience. His prior roles include positions at Hudson Valley Federal Credit Union, Banker's Life Conseco, and Equitable Advisors, LLC. Outside of finance, he worked with Catholic Charities Community Services for five years. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a wide range of financial planning and advisory services, including discretionary and non-discretionary management supported by research and model portfolios.

Michael Pine is a financial advisor with Mass Mutual Investors Services in Newburgh, NY, holding a Series 63 designation and 37 years of industry experience. He has been with Mass Mutual Investors Services and Massachusetts Mutual Life Insurance Co. since 1991. Pine serves as finance committee chairperson for Abilities First NY, a nonprofit foundation for individuals with special needs. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser providing financial planning, asset management, and educational seminars to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved software tools to analyze client goals and delivers written recommendations within annual, collaborative planning engagements.

Sarah Cuozzo is a financial advisor with Morgan Stanley in Poughkeepsie, NY, holding Series 63 and Series 66 credentials and bringing 10 years of industry experience. She has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley since 2018, with prior experience at LPL Financial and National Planning Corporation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets, utilizing structured discovery processes and firm-approved tools such as Monte Carlo simulations to model financial outcomes.

Augusto La Torre is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and has been with JPMorgan Chase Bank, NA since 2007. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering its program on a non-discretionary basis.

Barry Goldberg is a financial advisor at Fisher Investments with nine years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at J. J. Burns & Company for two years before joining Fisher Investments in 2018. Fisher Investments serves a global clientele including institutional and high-net-worth private clients, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm’s centralized investment process combines quantitative screening and qualitative research to build globally diversified portfolios and employs tax-aware and risk management strategies.

Narinder Bains is a financial advisor at LPL Financial with 30 years of industry experience. He has been with LPL Financial since 2009 and holds Series 63 and Series 65 licenses. His outside activities include involvement in non-variable insurance products such as whole life, universal life, term life, long-term care, health, and disability insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, with access to model portfolios and research from both internal and third-party sources.

Andrew Medlicott is a financial advisor with Cetera, holding a Series 66 designation and four years of industry experience. Prior to joining Cetera, he worked in various roles including management at Char Restaurants and positions at Pace University and Kohls Corporation. Outside of his advisory work, Medlicott serves as a standby ambulance driver and participates in local government activities in Mamakating, including serving on the town assessment board and a representative committee. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of discretionary and non-discretionary portfolio management options, including access to third-party money managers and various program structures.

Michael Carter is a financial advisor with Ameriprise, holding a Series 63 designation and 28 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise provides a retirement-income planning service focused on individuals nearing or in retirement who meet specific asset criteria. The firm offers a combination of advisory, brokerage, and insurance solutions, using a centralized consulting team and algorithmic tools to deliver tailored, tax-efficient retirement income recommendations.

Lisa Vedder is a Senior Financial Advisor with Merrill Lynch Wealth Management. She focuses on creating personalized wealth management strategies that align with her clients' individual financial goals. Utilizing insights from Merrill and solutions from Bank of America, she develops flexible plans to navigate changing market conditions. Lisa holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). She earned her High School Diploma from Roosevelt High School. Committed to the Merrill tradition of community involvement, she dedicates time to volunteering with local organizations.

Hayden Bell is a financial advisor with Mass Mutual Investors Services and holds Series 65 and Series 63 licenses. He has five years of industry experience, including prior roles at Northwestern Mutual Wealth Management Company and Cintas Corporation. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm structures financial planning as annual, collaborative engagements using firm-approved software to analyze goals and deliver written recommendations.

Mark Cukaj is a financial advisor at Ameriprise with Series 66 credentials and five years of industry experience. He has worked with Ameriprise since 2019 and previously spent five years at Cross Court Tennis Club. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Allison Culley is a financial advisor with Merrill, holding Series 63, Series 65, and Series 66 licenses and bringing 26 years of industry experience. She has been with Merrill since 2000 and concurrently works with Bank of America, N.A. since 2015. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base including individuals, high-net-worth clients, and institutional investors. The firm is integrated into Bank of America’s broader corporate platform, providing access to a wide range of products and services.

Lyle Roberts is a financial advisor at LPL Enterprise with 42 years of industry experience. He holds a Series 63 designation and previously worked at Prudential Insurance Company of America and Pruco Securities, LLC for several decades. Roberts also holds a real estate license as a referral agent. LPL Enterprise serves a broad range of clients including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, consulting, model wealth portfolios, third-party asset management, and a variety of brokerage and insurance products.

Randall Gerardes is a financial advisor at Morgan Stanley with nine years of industry experience. His prior roles include positions at Wells Fargo Securities, Assured Guaranty, and a period as a self-employed professional. Beyond advisory work, he is involved in real estate through ownership and partnership in several entities in Fishkill, New York. Morgan Stanley Wealth Management provides advisory and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and models outcomes to support client financial goals but generally does not provide individual security recommendations as part of its standalone planning services.

Mark Giordano is a financial advisor with Ameriprise in Fishkill, NY, holding a Series 66 designation and 19 years of industry experience. He has been with Ameriprise and its affiliated entities since 2007. Outside of his primary role, he serves as an Associate Financial Advisor at VMCK Associates, Inc., providing client service. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service, which relies on a combination of proprietary research, third-party data, and algorithmic tools to create personalized recommendations.

Lucas Ward is a financial advisor at LPL Financial with five years of industry experience. He holds Series 66 and Series 63 credentials and has previously worked at Hudson Valley Credit Union and Chipotle Mexican Grill. 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 financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and consulting services.

Kenneth Christman Jr. is a financial advisor at Stifel with 25 years of industry experience. He holds Series 65 and Series 66 designations and has been with Stifel Nicolaus & Co Inc since 2011. Christman serves on the Finance and Investment Committee of the Community Foundation of the Hudson Valley. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and planning.