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.

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.

Steven Knapp is a financial advisor at Equitable Advisors with 28 years of industry experience. He has held his current role since 1999 and previously worked with AXA Advisor, LLC for 21 years. He holds Series 63 and Series 65 designations. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to implement client recommendations.

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.

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.

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.

Michael Noviello is a financial advisor at OSAIC with 32 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Securities America Advisors and Avantax Advisory Services. Outside of advising, he owns a tax preparation business. OSAIC serves a diverse client base including individual investors, institutions, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and multiple investment platforms to manage portfolios with a range of investment products.

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.

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.

Steven Mattson Jr. is a financial advisor at Wells Fargo Advisors in Danbury, CT, holding Series 63 and Series 65 credentials with 31 years of industry experience. He has worked at Wells Fargo Advisors and related entities since 2009. Outside of his financial career, he is the author of a book titled *Adventures Around Putnam Volume I*, which explores hiking and the history of Putnam County, NY. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and uses proprietary research and tools to develop tailored recommendations delivered through meetings and client summary letters.

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.

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.

Matthew Giorgi is a financial advisor with LPL Financial who holds a Series 63 designation and has 20 years of industry experience. He has been with LPL Financial since 2006. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a wide range of advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

Joshua Stratton is a financial advisor with Ameriprise Financial Services, LLC and holds a Series 66 credential. He has 19 years of industry experience, including 15 years at LPL Financial. In addition to his advisory work, Stratton serves as a board member of TEG Federal Credit Union and is employed by Marist College. 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 ongoing planning advice focused on retirement income, utilizing proprietary investment research and third-party data.