Daniel Mcdonough is a Series 66 licensed financial advisor with 10 years of industry experience. He is currently with LPL Financial and has previously worked with Mid-Hudson Valley Federal Credit Union and CUNA Brokerage Services, Inc. Outside of finance, he is involved with Mirabella's Restaurant in Kingston, NY. 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 advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive research and technology tools.

Scott Banker Jr. is a Series 66 licensed advisor with LPL Financial, having started his advisory career in 2026. His background includes roles at Hudson Valley Credit Union, Marshalls, and Northwestern Mutual Investment Services, along with diverse experiences in education and small business management. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including model portfolios and third-party asset management, supported by technology tools for operational and research purposes.

Summer Mosher is a financial advisor with Equitable Advisors in Kingston, NY, holding a Series 66 designation and four years of industry experience. Her background includes roles outside the financial sector, such as involvement with Hudson Valley Distillers, Reinvented Upscale Resale, and Vaux Vintage. Equitable Advisors serves a broad client base, including individuals, corporations, and institutional clients, providing financial planning, retirement plan consulting, and a variety of asset management programs through a network of Investment Adviser Representatives.

Darlene Pedrosa is a CFP® with 20 years of industry experience, currently affiliated with LPL Financial. Her prior experience includes roles at Cetera Investment Services, Foresters Advisory Services, and Foresters Financial Services. She also operates Rhinebeck Tax, LLC, a tax preparation and accounting business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services supported by model portfolios, third-party asset managers, and institutional platforms.

Edward Mercier is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and uses research and analytics to support its investment strategies, offering both brokerage and advisory solutions.

Cynthia Troeger is a financial advisor with Merrill, holding Series 63 and Series 66 designations and bringing 23 years of industry experience. She has worked at Merrill since 2017 and was previously with Wells Fargo Advisors from 2013 to 2017. Outside of her advisory role, she serves as co-trustee for a family trust. 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.

Christine Klee is a financial advisor at Merrill with 26 years of industry experience. She holds Series 63 and Series 66 designations and has been with Merrill since 2017, following a year at Wells Fargo Clearing. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

John Cubito is a financial advisor with LPL Financial, holding a Series 66 designation and six years of industry experience. He previously worked at Bank of America, N.A. and Merrill for nine years. He is also associated with the Mid-Hudson Valley Federal Credit Union in a registered member service role. 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 portfolio programs, and institutional platforms, supporting advisors with research tools and multiple investment options.

Jane Mccarthy is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She has been with Equitable Advisors since 2006, previously associated with AXA Advisors. Outside of advising, she owns and operates McCarthy & Grandchamp Insurance & Investment Agency, Inc., and participates in business networking groups. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management services. The firm utilizes a range of advisory models, including third-party programs and discretionary portfolio management, and provides ERISA fiduciary services for qualified plans.

John Higbee Jr. is a CFP®-designated financial advisor with Morgan Stanley, based in Kingston, NY, with 43 years of industry experience. He has been with Morgan Stanley and its affiliates since 2009, including time at Morgan Stanley Private Bank. Outside of his advisory work, he is involved in a vacation home rental business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering comprehensive financial planning and advisory programs supported by firm-approved tools and research, managing approximately $2.74 trillion in client assets.

Catherine Irizarry is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. Her prior roles include positions at Key Investment Services LLC and Northwestern Mutual Investment Management. Outside of her advisory work, she serves as a notary public and acts as executrix for her father's estate. Wells Fargo Advisors provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options that include retirement, education, and specialized services such as business-owner transition planning and special-needs analysis. Advisors use Wells Fargo's research and tools to develop tailored recommendations delivered through meetings and written summaries, with clients choosing whether to implement these through the firm’s brokerage or advisory programs.

Javier Tavares is a financial advisor at J.P. Morgan Securities with 23 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2015. Outside of his advisory role, he owns an e-commerce business, Watchmatic LLC, which sells collectible watches online. J.P. Morgan Securities 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 broker-dealer and investment adviser registrations to deliver a range of advisory and brokerage services.

Jon Dayton is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and possessing 39 years of industry experience. His career includes 17 years at Merrill and 10 years at Bank of America, N.A. He is also involved with Hendy Dayton Coaching LLC, where he assists with tax preparation and government filings. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a broad client base including individuals, institutions, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, supported by extensive research and a variety of portfolio management strategies.

Mitchell Zapka is a financial advisor at Morgan Stanley with one year of industry experience. He holds Series 63 and Series 65 licenses. Prior to Morgan Stanley, he worked at ThinkEquity LLC, Wallkill Valley Federal Savings and Loan, and has experience in non-financial roles including at Powelton Club and Carry Out Kings. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured discovery conversations and proprietary planning tools in its financial planning process and offers a broad range of retail and institutional investment options.

Ojas Sardesai is a financial advisor with LPL Financial, holding a Series 63 license and 13 years of industry experience. He has been with LPL Financial since 2012 and has concurrently worked at Hudson Valley Federal Credit Union since 2010, where he is also involved in 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, and institutional platforms, supported by a network of over 22,800 advisors.

Christina Paul is a CFP® with over 32 years of experience in the financial services industry. She has been with Morgan Stanley since 2009, including her current role at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and provides planning services that emphasize client implementation while generally acting in an advisory capacity.

Adan Koepp is a financial advisor at LPL Financial with a Series 66 credential and less than one year of industry experience. Prior to joining LPL Financial, he held roles at Dutchess Community College, Hudson Valley Credit Union, Golden Russet, and taught at Rhinebeck Middle School and High School. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of financial planning and portfolio management services supported by technology and a broad network of advisors.

Richard Marr is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his career as a financial advisor in 1997 and has dedicated himself to understanding financial markets and assisting clients in managing their finances to achieve stability and purpose. He holds a Bachelor's Degree from Antioch College and a Master's Degree from the University of Chicago. In 2018, Richard earned the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification and is also recognized as a Personal Investment Advisor (PIA). Richard speaks English and Chinese. Beyond his professional work, Richard is involved in community organizations including the Citizens Climate Lobby and the Rhinebeck Rotary. He balances his financial expertise with his interest in art, contributing to his approach in investing and planning.

Philip Meltzer is a CFP® professional with 23 years of experience in the financial industry. He has been with Wells Fargo Advisors since 2013. Outside of his primary role, he is involved with Meltzer & Hill Wealth Advisory LLC and Meltzer Asset Management Inc., both investment-related ventures. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including cash-flow, retirement, education, risk and wealth-transfer planning, as well as specialized services like business-owner transition and special-needs analysis.

Steven Dawson is a financial advisor with LPL Financial in Kingston, NY, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been associated with Linsco/Private Ledger Corp. since 2000, operating under the DBA Safety Harbor Financial in Saugerties, NY. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions through a network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, managing over $819 billion in discretionary assets.