Marc Schain is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and over 26 years of industry experience. He has been affiliated with Cetera and its related entities since 1999. Outside of his advisory work, Schain serves as president of the board of directors for the Jewish Congregation of New Paltz and holds leadership roles with local theater and nonprofit organizations. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options including model portfolios, third-party managers, and bespoke strategies.

Jerome Casola is a financial advisor with Primerica Advisors, holding a Series 63 designation and 10 years of industry experience. He has been with Primerica Advisors since 2016 and has also been involved with Primerica Financial Services since 2014. In addition to his advisory role, he owns and operates MPC Agency, Inc., a legal entity formed for Primerica business purposes, and receives compensation for referrals of home security, automation products, and loan services through Primerica affiliates. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which provides model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients via a tiered wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, focusing on retail clients rather than institutional or pension plans.

William Winters is a financial professional with 10 years of industry experience, currently affiliated with Cetera. He holds a Series 66 designation and has worked at Cetera and its affiliated entities since 2015. He also serves as a financial professional at Clearpath Advisors, Inc. Outside of advisory roles, Winters has worked as an insurance agent selling disability insurance. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with diverse investment program options and a large nationwide network of advisors.

Anne Curci is a financial advisor with Primerica Advisors, holding a Series 63 designation and over 32 years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 2001. In addition to her advisory role, she is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, offering model-delivery strategies and a limited number of discretionary separately managed accounts to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure, with portfolio implementation and trade execution managed by BNY Mellon Advisors and Pershing.

Frank Matthews is a financial advisor with Primerica Advisors in Middletown, NY, holding a Series 63 designation and 17 years of industry experience. He has worked with PFS Investments Inc. since 2008 and Primerica Financial Services since 2007. Outside of investment advisory, he is involved in sales of loan products through Primerica Mortgage, LLC, and referrals for home security and automation services via a Primerica affiliate. Primerica Advisors provides discretionary asset management primarily for individual and high-net-worth clients through its Lifetime Investment Program, which offers model-delivery strategies and separately managed account options under a tiered wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, focusing on a range of investment models including Strategic, Tactical, Tax-Aware, and Income Distribution approaches.

Derek Seger is a financial advisor at LPL Financial with three years of industry experience. He holds the Series 63 and Series 66 designations and has worked at LPL Financial since 2022. In addition to his advisory role, he is involved with Hudson Valley Credit Union, where he also serves as a notary. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers various advisory programs, retirement plan consulting, and brokerage services, utilizing discretionary and non-discretionary management supported by research and model portfolios.

Bonnie Rule is a financial advisor with Edward Jones in Pine Bush, NY, holding a Series 66 designation and three years of industry experience. Prior to joining Edward Jones, she held roles at Copart, Color Street, Visionary Real Estate Solutions, and PartyLite Gifts Inc. She was the owner and manager of a real estate flipping business, which is currently dormant. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a broad range of advisory programs and investment solutions. The firm is known for its extensive retail advisor and branch network and offers affiliated services including a trust company and securities-based lending.

Garry Michel is a CFP® with 19 years of industry experience, currently serving at Cetera since 2016. He also owns Michel Tax Services LLC, which prepares tax returns for individuals and businesses. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual investors, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers.

Karen Stewart is a financial advisor with LPL Financial in Montgomery, NY. She holds Series 63 and Series 65 licenses and has 26 years of industry experience, including 21 years with LPL Financial (formerly LINSCO/PRIVATE LEDGER CORP.). LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services, with management options that include discretionary and non-discretionary strategies supported by in-house and third-party research.

Sal Lucido is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been associated with PFS Investments Inc. and Primerica Financial Services since 1993. Outside of his advisory role, he is involved in the sale of home security and automation products through part-time referrals and owns Lucido + Associates, Inc., an entity formed for Primerica business purposes. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of discretionary separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and delegates trading responsibilities while operating on a tiered wrap-fee basis.

Irene Berner is a financial advisor with LPL Financial in New Paltz, NY, holding Series 63 and Series 65 licenses and 38 years of industry experience. She has been with LPL Financial since 2000. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Margaret Schimmelpfennig is a financial advisor with Primerica Advisors in Newburgh, NY, holding Series 63 and Series 65 licenses and eight years of industry experience. She has worked with Primerica Advisors since 2018 and has a background in education, having been employed by Hyde Park Central School District for 23 years. In addition to her advisory role, she is involved in sales of loan products and home security referrals through affiliated Primerica companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which provides model-delivery strategies and a limited number of discretionary separately managed accounts for individual and high-net-worth clients. The firm curates third-party asset managers and utilizes a tiered wrap-fee structure for its investment solutions.

Evan Kirsch is a financial advisor at OSAIC with two years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at firms including MassMutual Life Insurance Company, New York Life Insurance Company, and various educational institutions. Outside of his advisory role, he is an insurance broker focusing on life, disability, long-term care, fixed annuities, and health products. Osaic Wealth, Inc. serves a diverse client base ranging from individual investors to large institutions, offering integrated brokerage, advisory, financial planning, and retirement plan consulting services through a broad network of affiliated advisors. The firm employs advanced asset-allocation tools and multiple third-party platforms to construct and manage portfolios tailored to client preferences.

Alissa Provanzana is a financial advisor with Cetera who holds Series 63 and Series 66 credentials and has 16 years of industry experience. Her prior work history includes roles at Rhinebeck Bank and Infinex Investments, among others. She serves as a board member for Wallkill Youth Lacrosse and the Inspire Foundation, supporting youth athletics and fundraising for individuals with disabilities. Cetera Investment Advisers LLC is an SEC-registered adviser offering a broad range of portfolio management, financial planning, and retirement services to individuals, employer-sponsored plans, corporate, charitable, and institutional clients. The firm operates a multi-manager platform with access to affiliated and third-party model portfolios and manages over $256 billion in assets through a network of more than 10,000 advisors.

Joseph Montalbano is a CFP®-certified financial advisor with 21 years of industry experience, currently affiliated with Cetera. His career includes roles at Maple Pharmacy/CarePax and Cetera Advisors LLC. Outside of finance, he is involved in managing a modeling and talent agency and serves as director of coaching and scheduling for a local travel baseball organization. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers diverse portfolio management and financial planning services through a multi-manager platform that provides a range of program structures and access to affiliated and third-party managers.

Joshua Stewart is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has been with LPL Financial since 2005. Outside of his advisory role, he is involved in coaching and consulting through Stewart & Associates. 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 financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios from LPL Research and third-party subadvisors.

John Siciliano Jr. is a financial advisor at LPL Financial with Series 63 and Series 66 credentials and 45 years of industry experience. He previously worked for Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. for 10 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management strategies supported by internal and third-party research.

Robert Coffey is a financial advisor at Ameriprise with 27 years of industry experience. He has worked with Ameriprise and its affiliated entities since 2005. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning and tax-aware withdrawal strategies. The firm employs a centralized team to produce detailed recommendation reports that integrate investment research and third-party data, with distinct enrollment criteria based on investable assets and a managed account inclusion requirement.

Darren Mccarthy is a financial advisor with OSAIC who holds a Series 66 designation and has 11 years of industry experience. He previously worked at Securities America Advisors and National Planning Corporation. Outside of his advisory role, he owns Learning Ears, a reading program for parents of children with learning challenges, and provides marketing consulting services for property and casualty businesses. OSAIC serves a diverse group of retail and institutional clients through a large network of affiliated advisers and offers a range of integrated brokerage and advisory services, including financial planning, retirement consulting, and access to third-party money managers. The firm utilizes asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct portfolios across various asset classes, managing accounts on discretionary or non-discretionary bases.

Tavish Laidlaw is a financial advisor with LPL Financial, holding a Series 66 designation and beginning his advisory career in 2026. Prior to joining LPL Financial, he had experience in various roles including positions at Hudson Valley Federal Credit Union, Adams Fairacre Farms, and several financial institutions and educational organizations. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services, with access to model portfolios, research, and multiple investment strategies.