Philip Coombe III is a CFP® professional with 42 years of industry experience. He has been with LPL Financial since 2024 and previously operated Coombe Financial Services, Inc. for 23 years. Outside of his advisory work, he is a co-owner and managing member of a real estate rental 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by extensive technology tools and a broad network of over 22,800 advisors.

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.

Patrick Fillette is a financial advisor with Cetera, holding the ChFC® designation and Series 63 license, and has 33 years of industry experience. He has worked with Cetera since 2005 and currently serves as president of Clearpath Advisors, Inc., a financial services firm he founded in 2022. Outside of his advisory work, Fillette is involved in managing vacation home rentals and commercial real estate holdings in New York. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

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.

Jarryd Killian is a financial advisor with LPL Financial, holding a Series 66 designation and having one year of industry experience. His prior work includes roles at Coombe, Bender & Co, BNP Paribas Asset Management, and Ovations. 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, third-party asset management, and institutional platforms.

Peter Le Rose is a financial advisor with Edward Jones in New Paltz, NY, holding a Series 66 designation and five years of industry experience. Prior to joining Edward Jones in 2021, he worked at Sears Holdings for 16 years and was involved with Transform SR LLC for one year. Outside of advising, he owns a collectible toy business called Toys and Toons, which focuses on selling duplicate or unwanted items. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a wide network of advisors and branch offices, offering discretionary and non-discretionary investment strategies along with affiliated mutual funds and tax-efficient services.

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.

Ryan Strobach is a financial advisor at Edelman Financial Engines with a Series 65 credential and one year of industry experience. Prior to joining Edelman Financial Engines, he held roles at Allstate Financial Services and Northwestern Mutual. Outside of finance, he has work experience in the hospitality and recreation sectors, including positions at Cosimo's Restaurant and Yogi Bear's Jellystone Park. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios and offers sub-advisory services to other financial institutions, supporting a large participant base through advisor-led and online platforms.

Senta Curran is a financial advisor with OSAIC, holding the CFP® and ChFC® designations and over 30 years of industry experience. She has worked with firms including Securities America, Inc., Cambridge Investment Research, and National Planning Corporation. Curran is also a board member of the Pine Bush Public Library. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisors, offering brokerage and investment advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools and automated rebalancing to manage diversified portfolios across a range of investment types.

Mitchell Zapka is a financial advisor with Morgan Stanley in Kingston, NY, holding Series 65 and Series 63 licenses. He has one year of industry experience, including prior roles at ThinkEquity LLC and Wallkill Valley Federal Savings and Loan. Outside of finance, he has been involved in the food service industry through ownership of Carry Out Kings. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and data-driven modeling techniques.

Ali Iftikhar is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 registrations and nine years of industry experience. He has worked at J.P. Morgan Securities from 2012 to 2017 and from 2022 to the present, and has been with JPMorgan Chase Bank, N.A. since 2007. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, utilizing a process that combines quantitative asset-allocation modeling and centralized due diligence, with an ESG eligibility framework applied in its recommendations.

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.

Robert Trismen is a financial advisor with J.P. Morgan Securities, holding a Series 63 license and bringing 41 years of industry experience. He has worked with J.P. Morgan Securities since 2006 and has been employed at JPMorgan Chase Bank, N.A. since 2010. Outside of his financial career, he oversees Quiet Moon Alpacas, an alpaca farm that sells fiber. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized manager due diligence to support non-discretionary decision making.

Andrea Morris is a financial advisor at Mass Mutual Investors Services with 10 years of industry experience. She holds the Series 66 designation and has previously worked at Edward Jones, LPL Financial, and First Midwest Bank. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, focusing on collaborative, annual planning relationships using firm-approved analytic tools.

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.

Michael Ferraro is a financial advisor with Ameriprise Financial Services LLC, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He worked at Senate Securities for 21 years before joining Ameriprise in 2021. Ferraro serves on the board of directors for the Mental Health Association of Ulster County. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Shaheen Soltankhah is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been working as a Financial Advisor since 2011, beginning his career with Merrill. Shaheen focuses on providing targeted and comprehensive financial advice and portfolio management strategies tailored to each client's individual needs. His areas of expertise include institutional consulting, defined benefit and contribution plan services, managing new wealth, retirement planning, small business strategies, socially responsible investing, tax minimization, and retirement income. He holds a Bachelor's Degree in Business Economics from the State University of New York College at Oneonta. Shaheen has earned several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). As a lifelong member of the Hudson Valley community and a native of Kingston, he maintains a strong commitment to the success of his community and neighbors. Outside of his professional role, Shaheen enjoys music, reading, spending time with his family, traveling, and watching movies.