James Santangelo is a Certified Financial Planner (CFP®) with 18 years of industry experience. He has been with Osaic since 2008 and currently serves as a financial advisor based in Fishkill, NY. His professional activities include providing financial planning and consulting services, as well as assisting clients with estate and trust planning. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of integrated financial services and employs various asset-allocation and portfolio management tools across multiple advisory platforms.

Matthew Caruso is a financial advisor with LPL Financial in Fishkill, NY, holding CFP® and ChFC® designations and over 21 years of industry experience. He has worked at LPL Financial since 2024 and previously spent 14 years at Cambridge Investment Research and three years at Equitable Advisors. Outside of his advisory work, he is the sole member of RWH Holdings, LLC, a business entity for tax and investment purposes. 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 services including financial planning, model portfolios, and access to third-party asset managers, with advice delivered primarily by investment adviser representatives using a mix of discretionary and non-discretionary strategies.

Michael Mattes is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his financial services career in 2009 and currently serves as a Senior Vice President. Michael is a CERTIFIED FINANCIAL PLANNER® professional with expertise in family wealth, trusts, and corporate executive services. He works within The Mattes Group, focusing on tailored portfolio construction and comprehensive wealth management planning for high-net-worth individuals. Michael engages clients in a personalized approach to wealth management, emphasizing the importance of understanding life priorities in addition to market considerations. His areas of specialization include corporate executive services, education planning, legacy planning, philanthropic planning, retirement income strategies, and services for endowments, foundations, and non-profits, among others. He achieved the CERTIFIED FINANCIAL PLANNER® certification in 2015 and holds the Personal Investment Advisor (PIA) designation. He holds a bachelor's degree in Economics and Leadership Studies from the University of Richmond. Before joining Merrill Lynch, Michael worked at Western Union Ireland in EMEA Corporate Governance. Outside of his professional activities, Michael has interests in boating, cooking, fishing, golfing, hiking, music, rock climbing, surfing, traveling, and woodworking.

Adam Breault is a Series 66-licensed financial advisor with Ameriprise in Poughkeepsie, NY, with 4 years at the firm and 1 year of industry experience. He has prior work experience in education at the State University of New York at Plattsburgh and Our Lady of Lourdes High School. He is also co-owner of Arbor Capital Wealth Advisors, an advisory business he manages alongside his Ameriprise role. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and annual retirement-income planning advice focused on income sources and tax-aware withdrawal strategies.

Eric Cassalina is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 2013. He has been working in the financial services industry in the Hudson Valley region since 2011. In his role, Eric helps clients develop personalized financial plans aimed at achieving goals such as retirement planning, estate planning, tax minimization, and wealth preservation. He utilizes the resources of Merrill Lynch Wealth Management and his team to manage clients' investment strategies and financial planning needs. Eric holds the designation of Certified Plan Fiduciary Advisor (CPFA) and leverages his experience working with retirement plans to assist both business clients and individuals. His expertise spans corporate executive services, divorce transition planning, executive compensation, family wealth management, legacy planning, retirement income, and portfolio management. Eric uses a holistic approach to help clients project their financial future over various timelines and make informed decisions to reach their goals. He obtained his high school diploma from Marlboro High School and attended Marist College without obtaining a degree. Outside of work, Eric spends time with his family, enjoys golfing, and traveling.

Erika Sammons is a Senior Financial Advisor affiliated with Merrill Lynch Wealth Management. In this role, she provides advisory and wealth management services to a diverse client base. Erika's background includes experience supporting clients with retirement income planning, investment portfolio customization, and corporate retirement plan consulting. Her expertise encompasses retirement income strategies, portfolio management, services for defined benefit plans, and nonprofit and foundation endowment services. Erika’s professional qualifications include the Certified 401(k) Professional and Chartered Retirement Planning Counselor™ designations. She holds a Master’s degree from Saint Joseph’s University and a Bachelor’s degree from LaSalle University. She is involved in the community through participation in organizations such as the Delaware Valley Youth Athletic Association and Saint Pio Catholic School.

Christopher Coppola is a financial advisor with Morgan Stanley in Poughkeepsie, NY, holding a Series 66 designation and two years of industry experience. Prior to joining Morgan Stanley in 2022, he worked at TEG Federal Credit Union, Rhinebeck Bank, The Culinary Institute of America, and operated Coppola's on 9 Restaurant. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to both individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and structured discovery conversations. The firm manages approximately $2.74 trillion in client assets and provides a wide range of services including estate planning and corporate financial planning agreements.

Jeremy Angevine is a financial advisor at Edward Jones with eight years of industry experience. He holds a Series 66 designation and previously worked at M&T Bank and GT's Pro Shop. He is based in Lagrangeville, NY. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages over $1 trillion in assets and offers a range of advisory programs and investment solutions through a nationwide network of financial advisors.

Jennifer Delaney is a financial advisor with LPL Financial, holding a Series 63 designation and over 13 years of industry experience. She has worked at LPL Financial since 2012 and also has a long-standing role at Hudson Valley Federal Credit Union dating back to 2001. Outside of her advisory work, she is a notary public and serves as an agent offering Medicare-related insurance plans through Hudson Valley Federal Credit Union Insurance Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides a broad range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by a large network of investment adviser representatives.

Manolito Dizon Jr. is a financial advisor at Edward Jones with 24 years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at National Bank of Canada Financial Inc. from 2009 to 2020. Edward Jones is a wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies supported by a network of more than 23,700 financial advisors and 15,000 branch offices nationwide.

Brandon Vance is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 designation and previously worked at Stonebrook Wealth Management and Prodigy Realty. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Geoffrey Demarco is a financial advisor with LPL Financial, holding a Series 66 designation and 14 years of industry experience. His prior roles include positions at Webster Bank, M&T Securities, Oppenheimer, and Equitable Advisors. He is also involved with DSL Financial Services in a related business capacity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, and institutions, offering a range of advisory and brokerage services including financial planning, model portfolio programs, and institutional platforms.

Patrick Ford is a financial advisor with Equitable Advisors in Poughkeepsie, NY, holding Series 63 and Series 65 licenses and with 26 years of industry experience. He has worked at Equitable Advisors and its predecessor, Axa Advisors LLC, since 2000. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to a broad client base, including individuals, corporations, and nonprofit organizations. The firm utilizes a range of advisory programs and third-party asset managers to deliver tailored investment solutions.

Victor Margiotta Jr. is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He has been with J.P. Morgan Securities since 2012 and with JP Morgan Chase Bank, N.A. since 2015. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence. The firm applies an ESG eligibility framework in its recommendations and operates within the broader J.P. Morgan banking organization.

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.

Joseph Rusin is a financial advisor with LPL Financial based in Carmel, NY, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. He has been associated with Linsco Private Ledger since 2006. 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.

Joseph Mecenas is a financial advisor with MassMutual Investors Services holding a Series 66 designation and one year of industry experience. Prior to joining MassMutual, he worked at Northwestern Mutual Wealth Management Company and engaged in consulting and marketing roles through entities such as Mecenas Holdings LLC and Unfold Your Path LLC. His activities include managing digital marketing operations and providing consulting support focused on marketing and sales initiatives. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring planning engagements as collaborative relationships that utilize firm-approved software to deliver written recommendations tailored to client goals.

Michelle Rawl is a financial advisor with Primerica Advisors in Newburgh, NY, holding Series 63 and 65 licenses and seven years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 2019. Outside of her advisory role, she owns Rawl Research, LLC, a non-investment-related business based in Kingston, NY. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with nearly 3,700 advisors and $15.5 billion in assets under management, delivering advisory services through model-based strategies managed by unaffiliated asset managers.

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.