Ernest Guerriero is a financial advisor with Guardian Life and holds the ChFC® designation, along with Series 63 and Series 65 licenses. He has 36 years of industry experience with prior roles at Park Avenue Securities, Ameritas Investment Corp, and other firms. He serves on the board of The Society of Financial Service Professionals and works as an independent contractor for The American College. Park Avenue Securities LLC, doing business as Park Avenue® Wealth Management, is a wholly owned subsidiary of The Guardian Life Insurance Company of America. The firm provides brokerage services, financial planning, retirement plan consulting, and investment advisory programs to individuals, pension plans, charitable organizations, and corporate clients.

Miles Eberhard is a financial advisor at Citigroup Global Markets with four years of industry experience. He holds a Series 66 designation and has worked at Citigroup since 2021. Prior to his financial services career, he was affiliated with the University of Miami. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and maintains in-house research and market roles that distinguish it from peers.

Jeffrey Scales is a CFP®-certified financial advisor with 37 years of industry experience. He has been with Commonwealth Financial Network since 2005 and previously worked at JSA Sustainable Wealth Management and Longwave Financial. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, providing a range of advisory programs and back-office support including operations, trading, technology, investment management, and compliance. The firm offers various program structures and discretionary model portfolios managed by its Investment Management and Research team.

Timothy Bartholomew is an investment advisor at OSAIC Institutions, INC. He holds Series 63 and Series 65 credentials and has 28 years of industry experience. His prior work includes roles at Infinex Investments, Inc. since 2016 and Bank of Greene County since 2000. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a large network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, access to alternative investments, and lending solutions, operating with a hybrid adviser/broker-dealer model.

Philip Stire is a financial advisor at Key Investment Services LLC with 40 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Key Investment Services since 2008, following a two-year tenure at McGinn, Smith Advisors LLC. Key Investment Services LLC is an SEC-registered investment adviser and wrap-fee program sponsor serving individuals, trusts, estates, small businesses, and institutional clients through a network of financial professionals. The firm offers multiple wrap programs supported by a multi-provider model that integrates discretionary and non-discretionary portfolio management, with additional services including custodial, trade execution, and ancillary insurance products.

Shyanna Curless is a financial advisor with OSAIC Institutions, Inc., holding a Series 66 designation and one year of industry experience. Her prior work includes roles at Bank of Greene County, Brickyard, Unity Ambulette, and Total Tennis. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, and access to alternative investments, operating a hybrid adviser/broker-dealer model with both discretionary and non-discretionary assets under management.

Jeffrey Hannett is a financial advisor with Key Investment Services LLC in Hudson, NY, holding Series 63 and Series 66 licenses and having 11 years of industry experience. He has been with Key Investment Services in various roles since 2016 and previously worked at KeyBank. In addition to advising, Hannett is a financial education instructor at Kaplan North America’s College for Financial Planning, where he teaches and develops curriculum. Key Investment Services LLC is an SEC-registered investment adviser and wrap-fee program sponsor that serves individuals, trusts, estates, small businesses, and institutional plans through a network of financial professionals. The firm offers model-based advisory products with multi-provider platform support and integrates with KeyCorp affiliates to provide a range of investment and advisory services.

Michael Lamonda is a financial advisor at Lincoln Investment with 35 years of industry experience. He holds a Series 63 designation and has been with Lincoln Investment Planning, Inc. since 1991. Lincoln Investment Planning, LLC serves a diverse client base including individual and high-net-worth investors, trusts, charities, and retirement plans, with a longstanding focus on educators and participants in 403(b) and 457(b) programs. The firm offers financial planning, advisor-led consulting, and portfolio management through models and third-party managers, supported by an in-house Investment Management & Research team.

Michelle Martin is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has worked at Commonwealth since 2012, with a concurrent role as president and owner of RiverStone Wealth Management, Inc., a private wealth advisory firm. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients, providing a range of advisory programs, technology, and operational support. The firm offers discretionary model portfolios and multiple program options, supporting advisors with a wide selection of securities and insurance products.

Omero Catan IV is a financial advisor with Eagle Strategies (NY Life) holding the ChFC® designation and Series 66 license, with 17 years of industry experience. He has been associated with New York Life and its affiliated entities since 2008. Eagle Strategies serves a diverse client base including individuals, institutional investors, and plan sponsors, providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations and manages most assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Richard Totman is a financial advisor at Commonwealth Financial Network with 42 years of industry experience. He holds the ChFC® designation and Series 63 license. Prior to joining Commonwealth in 2025, he worked at MassMutual Life Insurance Company and MML Investors Services, Inc. for nearly three decades and at Connecticut Mutual for over 40 years. Outside of finance, he owns GB Studios, a business involved in recording and distributing sales at concerts. Commonwealth Financial Network serves a national network of approximately 2,950 advisors, offering a range of advisory programs and services including wealth management and retirement plan consulting. The firm provides operational, trading, technology, compliance, and practice-management support while allowing advisors discretion in constructing client portfolios.

Fernando Hurtado is a financial advisor with Empower Advisory Group in Phoenix, AZ, holding Series 63 and Series 66 designations and seven years of industry experience. His prior roles include positions at Primerica Advisors and Transamerica Investors Securities Corporation. Outside of his advisory work, he owns The Soap Alchemist and works as a bilingual employee benefits educator for Total Benefit Communications. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage clients, with an emphasis on long-term portfolio returns and integration with Empower’s recordkeeping and administrative platforms.

Colton Crump is a financial advisor at Key Investment Services LLC with Series 63 and Series 66 licenses and three years of industry experience. His background includes roles at KeyBank, Northwestern Mutual, and service as a 1st Lieutenant in the US Army Reserves. He is currently based in Red Hook, NY. Key Investment Services LLC is an SEC-registered investment adviser that provides portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional clients. The firm uses a multi-provider model for portfolio implementation and offers a range of wrap-fee programs supported by custodial and trade execution services through Pershing.

Henry Devries is a CFP® with 15 years of industry experience, currently affiliated with Concurrent Investment Advisors, LLC. His prior experience includes roles at Spire Investment Partners and Morgan Stanley across various capacities from 2011 to 2026. He serves as Treasurer of the National Law Enforcement Associates and is a board member of the Rhinebeck Chamber of Commerce. Concurrent Investment Advisors, LLC is an SEC-registered multi-team advisory firm serving individuals, families, trusts, estates, businesses, and retirement plans. The firm provides wealth and investment management, financial planning, and retirement plan advisory services through customized, primarily long-term portfolios utilizing ETFs, mutual funds, and other investment vehicles.

Omri Amit is a financial advisor at Oppenheimer with 16 years of industry experience. He holds the Series 66 designation and has worked at Oppenheimer since 2015, following prior roles at RBC Capital Markets and Valley Financial Management. Amit serves as a trustee for a personal living trust. Oppenheimer serves a diverse client base including individuals, corporations, and pension plans, offering a wide range of advisory programs encompassing equity, balanced, and fixed-income portfolios. The firm provides both discretionary and non-discretionary services with an emphasis on asset allocation, manager selection, and customized consulting.

Renee Albrecht is a financial advisor with J. W. Cole Advisors, Inc., holding a Series 63 license and bringing 25 years of industry experience. She has worked at J.W. Cole Financial, Inc. since 2017 and previously at Valley Investment Planning and National Planning Corporation. Albrecht also owns and directs Valley Investment Planning Services, Inc., a DBA for her financial practice. J.W. Cole Advisors serves individuals, charities, corporations, retirement plans, and other entities through a national network of independent investment adviser representatives. The firm offers a range of portfolio management and financial planning services, including access to third-party managers and digital advice platforms.

Richard Jeffreys is a CFP® with 32 years of industry experience, currently affiliated with Cetera in Kingston, NY. He has worked at Ulster Savings Bank and various Cetera entities since 2014 and has been associated with Marketing One Securities, Inc. since 1997. Cetera Investment Advisers LLC serves a broad client base, including individual and institutional clients, offering portfolio management, financial planning, and retirement services through a nationwide network of independent advisors. The firm provides multiple program structures and access to third-party managers, with over $256 billion in assets under management.

Patricia Guida is a financial advisor at Cetera with 34 years of industry experience. She holds a Series 63 designation and has been affiliated with Cetera Wealth Services, LLC since 2013. Guida also provides annual valuation and government reporting for defined benefit and defined contribution pension plans through a separate pension plan design service. Cetera Investment Advisers LLC serves a broad range of clients including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and retirement services through a multi-manager platform that supports discretionary and non-discretionary strategies across multiple program structures.

Marissa Interrante is a Series 66-registered advisor at Merrill with nine years of industry experience. She has worked at Merrill and Bank of America since 2017 and previously held roles at Consigli Construction NY LLC and JK's Corporate Ventures, Inc. Outside of her advisory work, she owns Summit Silver, a sole proprietorship specializing in handcrafted jewelry. 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Marianne Hobson is a financial advisor with LPL Financial in Kingston, NY, holding a Series 66 designation and 10 years of industry experience. She previously worked at Dunham & Associates Investment Counsel, Inc. for four years before joining LPL Financial in 2020. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.