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.

Mark Vesely is a financial advisor at Commonwealth Financial Network with three years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at firms including LPL Financial LLC and J.P. Morgan Securities LLC. Vesely is also involved with Hudson Valley Credit Union in a financial institution duty role. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 advisors and manages roughly $212.7 billion in client assets. The firm offers a broad range of managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Joseph Pillot is a financial advisor with OSAIC Institutions, Inc., holding Series 63 and Series 66 designations and possessing 19 years of industry experience. His career includes roles at J.P. Morgan Securities and JPMORGAN Chase Bank, N.A., along with operating Jpillot Enterprises, LLC. 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, ERISA plan services, wrap programs, and access to alternative investments and lending solutions, operating a hybrid adviser/broker-dealer model that combines firm supervision with delegated investment management.

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.

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.

Nwan Joseph is a Series 66-credentialed financial advisor with 15 years of industry experience. He is currently with Key Investment Services LLC and has previously worked at KeyBank, Wells Fargo Clearing, Wells Fargo Advisors LLC, Wells Fargo Bank, N.A., and Edward Jones. Joseph is based in Poughkeepsie, NY. Key Investment Services LLC is an SEC-registered investment adviser and wrap-fee program sponsor that provides portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional plan clients through a network of financial professionals. The firm offers multiple wrap programs and integrates services with KeyCorp affiliates, utilizing a multi-provider model for portfolio implementation and manager oversight.

Joseph Miller is an advisor with OSAIC Institutions, Inc. holding a Series 66 designation. He has one year of industry experience, including roles at Rhinebeck Asset Management and Rhinebeck Bank. Prior to his advisory career, he has worked in various positions including time at Penn State University and in the restaurant and mortgage industries. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services and combines an adviser/broker-dealer structure with a model that emphasizes supervision rather than centralized account management, providing access to alternative investments and lending solutions.

Payum Payman is a financial advisor at Citigroup Global Markets with nine years of industry experience. He holds Series 63 and Series 65 designations and has worked at Citi Private Bank since 2016. Citigroup Global Markets Inc. serves individual and institutional clients, including workplace, high-net-worth, and ultra-high-net-worth segments, offering a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies overseen by internal standards and committees, and it operates with institutional scale and unique market roles such as swap dealing and futures commission merchant activities.

Mark Vesely is a financial advisor with Commonwealth Financial Network in Poughkeepsie, NY, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Commonwealth and Dutchess Harbour Wealth Management, LLC, a private entity he owns, since 2021. Prior to that, he worked at Wells Fargo Clearing and Wells Fargo Advisors. Commonwealth Financial Network serves a national network of approximately 2,950 advisors, providing a range of advisory programs and back-office support including operations, trading, technology, and compliance. The firm offers discretionary model portfolios and various program structures, supporting advisors in managing diverse client portfolios.

Lambros Violaris is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing 30 years of experience in assisting individuals and institutions with wealth management and income generation. His client focus areas include college education planning, divorce transition planning, executive compensation, institutional investment consulting, personal retirement planning, portfolio management services, women and wealth, sports and entertainment, individual and corporate investment strategy, and retirement income. He holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Bob Jones University. Outside of his professional work, Lambros enjoys adventure sports, baseball, biking, chess, drawing and sketching, hiking, spending time with his family, traveling, and watching movies.

John Paul Mollica is a financial advisor at Ameriprise Financial Services, LLC with 19 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at LPL Financial LLC, Bank of America, N.A., and Merrill. Outside of his advisory role, he is connected to a real estate rental business in Poughkeepsie, NY. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides clients with written recommendations and ongoing advice focused on income sources and tax-aware withdrawal strategies.

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.

Scott Montenero is a financial advisor at Ameriprise with two years of industry experience. He holds the Series 66 designation and has worked at Ameriprise since 2020. Outside of Ameriprise, he is an associate financial advisor at 7B Ventures LLC, where he meets with clients to review their investment portfolios and financial plans. Ameriprise is an institutional firm that offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets. The firm combines research and modeling with personalized recommendations and provides a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

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.

Michael Tannenbaum is a financial advisor with LPL Financial in Poughkeepsie, NY. He holds a Series 66 designation and has six years of industry experience, including roles at CitiGroup and Woodbury Financial Services. Prior to his financial career, he spent four years at the College of Saint Rose. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers.