Patricia Heslin is a financial advisor with Eagle Strategies (NY Life) holding the ChFC® and Series 63 designations and has 42 years of industry experience. She has worked with New York Life Insurance Company since 1983 and Nylife Securities LLC since 1984. Outside of her advisory role, she sells paintings and drawings as an owner of a small art business. Eagle Strategies serves individual and institutional clients by offering financial planning, investment management, and retirement-plan advisory services through a large network of affiliated representatives. The firm provides a range of advisory solutions, including fee-based advice, retirement plan consulting, and co-advisory relationships, with an emphasis on tailoring recommendations to client objectives.

Ernest Guerriero is a financial advisor with Guardian Life and Park Avenue Securities, holding the ChFC® designation along with Series 65 and Series 63 licenses. He has 36 years of industry experience and has worked with several firms including Ameritas Investment Corp and Securities Mutual Life Insurance. 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, operating as Park Avenue® Wealth Management and a subsidiary of The Guardian Life Insurance Company of America, provides brokerage services, financial planning, and retirement plan consulting to individuals, pension plans, charitable organizations, and corporate clients. The firm offers both proprietary and third-party investment advisory programs, with advisory relationships that can be discretionary or non-discretionary.

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.

John Heitzman is a financial advisor with OSAIC Institutions, Inc., holding a Series 66 credential and 12 years of industry experience. He has worked at Bank of Greene County and Infinex Investments, Inc. since 2017 and previously served at Thrivent Financial for Lutherans and Thrivent Investment Management Inc. from 2013 to 2017. Heitzman serves as a board member of the Fats in the Cats Bicycle Club, a nonprofit organization focused on cycling advocacy and community service in New York’s Catskill Park and Hudson Valley region. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients. The firm offers customized advisory services, financial planning, ERISA plan services, wrap programs, and access to alternative investments and lending solutions through a hybrid adviser/broker-dealer model and a broad network of investment adviser representatives.

John Bopp Jr. is a financial advisor at Key Investment Services LLC with 25 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Key Investment Services and KeyBank since 2019, following prior roles at Wells Fargo Clearing Services and Scottrade. Key Investment Services LLC offers a range of advisory programs and investment products to individuals, trusts, estates, small businesses, and corporate clients. The firm emphasizes client-directed model selection supported by non-binding recommendations and ongoing monitoring, and operates within the KeyCorp group with integrated services through affiliated entities.

Ronald Phillis is a financial advisor at Integrated Wealth Concepts LLC with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Ivernia Capital, LLC and Laurel Wealth Advisors. Integrated Wealth Concepts serves individuals, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management, financial planning, family office, and retirement plan advisory services, employing customized portfolios and a mix of internal and third-party management strategies.

Michael Lamonda is a Series 63-licensed financial advisor with Lincoln Investment, based in Kingston, NY. He has 35 years of industry experience, having been with Lincoln Investment Planning, Inc. since 1991. Lincoln Investment serves individuals—including high-net-worth clients—charitable organizations, businesses, and employer-sponsored retirement plans, with a focus on educators and 403(b)/457(b) participants. The firm offers financial planning, ERISA retirement plan advice, and a range of advisory programs using both in-house and third-party investment strategies overseen by an 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 two years of industry experience. He holds Series 66 and Series 63 credentials. Crump has prior experience at KeyBank and Northwestern Mutual, and he serves as a 1st Lieutenant in the U.S. Army Reserves. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through a variety of advisory programs and investment products. The firm emphasizes client-directed model selection and provides oversight and due diligence of third-party advisory products within the KeyCorp group.

Omri Amit is a financial advisor at Oppenheimer with 15 years of industry experience. He holds a Series 66 designation and has been with Oppenheimer since 2015. Outside of his advisory role, he serves as a trustee for a personal living trust. Oppenheimer serves a diverse client base, including individuals, corporations, pension plans, and charitable organizations, offering a range of advisory and brokerage services. The firm employs strategic and tactical asset allocation, manager selection, and various investment strategies to meet client objectives, with a notable approach that includes both discretionary and non-discretionary management programs.

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 Series 66-licensed financial advisor with 10 years of industry experience. She has been with LPL Financial since 2020 and previously worked at Dunham & Associates Investment Counsel, Inc. from 2016 to 2020. LPL Financial serves a wide range of clients including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and a variety of portfolio options.

Cory Espejo is a financial advisor at Edward Jones with one year of industry experience. Prior to joining Edward Jones, he worked at Dutchess Community College and Svetness, and served four years in the United States Marine Corps. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory solutions, including discretionary and non-discretionary wrap fee strategies and separately managed accounts.

Christopher Pena is a financial advisor with Morgan Stanley, holding a Series 66 designation and nine years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2017. Outside of his advisory work, he serves on the Finance Committee of The Arc of the Mid-Hudson, a nonprofit focused on children and youth. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and comprehensive investment and estate planning services.