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.

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®-designated financial advisor with LPL Financial in Fishkill, NY, bringing 54 years of industry experience. He has been with LPL Financial and its predecessor firm since 1991. Outside of his advisory work, he participates as a high school baseball umpire. 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 financial planning and investment management solutions through a large network of advisors who utilize both proprietary and third-party model portfolios and strategies.

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 designation and having one year of industry experience. Prior to joining LPL Financial, he worked at Hudson Valley Federal Credit Union and Banker's Life Conseco, and has a background in nonprofit and community services, including five years with Catholic Charities Community Services. He is also involved in financial services at Hudson Valley Federal Credit Union. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions through a broad network of investment adviser representatives. The firm offers a range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies supported by advanced operational tools.

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 LLC, holding Series 63 and Series 65 designations and possessing 31 years of industry experience. He has worked in various roles within J.P. Morgan affiliates since 2007 and joined J.P. Morgan Securities in 2012. Prior to that, he held positions at Citizens Securities, Banc of America Investment Services, and Quick & Reilly. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

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.

Kristin Bay is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 licenses and five years of industry experience. She previously worked for Skyline for 25 years and has been with Ameriprise since 2020. Bay also works as a consultant for Endevour Exhibits, a retail sales business. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides tailored retirement planning advice through a combination of proprietary research and third-party data. The firm’s approach emphasizes dependable income sources, tax-aware withdrawal strategies, and operates within a defined investment universe influenced by its affiliated product ecosystem.

Narinder Bains is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has worked at LPL Financial since 2009 and was previously with Merrill from 2001 to 2009. His other business activities include work related to non-variable insurance products such as whole life and universal life insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, 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, emphasizing both discretionary and non-discretionary strategies supported by advanced advisor tools.

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, holding a Series 63 designation and 20 years of industry experience. He has been with LPL Financial since 2006, based in Poughkeepsie, NY. His other business activities include involvement with Hudson Valley Credit Union financial and insurance services. 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 portfolios, third-party asset management, and institutional platforms.

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.

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.

Johannes Brand is a financial advisor with Primerica Advisors in Poughkeepsie, NY, holding a Series 63 designation and 16 years of industry experience. He has been with Primerica Advisors since 2009 and Primerica Financial Services since 2008. In addition to his advisory role, he is involved in selling loan products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selectively managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Nicholas Cacace is a financial advisor with MassMutual Investors Services, holding a Series 63 designation and bringing 23 years of industry experience. He has worked with MML Investors Services since 2014 and MassMutual Life Insurance Company since 2013. In addition to his advisory role, he is an insurance agent specializing in life, disability, long-term care, and fixed annuities. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, using firm-approved software tools to develop written recommendations tailored to client goals.

Hayden Bell is a financial advisor with Mass Mutual Investors Services and holds Series 63 and Series 65 licenses. He has five years of industry experience, including prior roles at Northwestern Mutual and Cintas Corporation. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved software tools to develop collaborative, annual financial plans and offers specialized programs such as divorce planning and employer-sponsored planning.

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, 65, and 66 licenses and 26 years of industry experience. She has worked at Merrill since 2000 and concurrently with Bank of America, N.A. since 2015. Merrill, along 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 and profit-sharing plans, corporations, and charitable organizations.