Daniel Toronto is a financial advisor with LPL Financial in Rhinebeck, NY, holding a Series 66 designation and 16 years of industry experience. His prior roles include positions at UBS Group AG, CUNA Mutual Group, and Evva Technologies. He is also involved with Wealth Management at Hudson Valley Credit Union as an investment-related business activity. 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 model portfolios and research from multiple sources, and provides both discretionary and non-discretionary management options.

Susan Greene is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 31 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she serves as a notary public in New York. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary and including a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Stephen Mazzei Jr. is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds the Series 63 designation and has 39 years of industry experience. Prior to his current roles since 2012, he was involved with Stephen Hakim Asset Management LLC for 10 years. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm emphasizes tailored, non-discretionary planning and utilizes analytical tools to support client goals, with additional capabilities in municipal finance and specialized SIMPLE IRA advisory programs.

Stephen Hakim is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 63 designation and bringing 40 years of industry experience. He has been associated with Raymond James since 1999 and owns Stephen Hakim Asset Management LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm offers tailored, non-discretionary planning and consulting using risk profiling and modeling tools, and it supports municipal and public finance work through a unique affiliation with a municipal advisor.

Eric Johnson is a Senior Financial Advisor at Merrill Lynch Wealth Management based in the Kingston, NY office. He has been with Merrill Lynch since 1981, providing financial guidance to clients through tailored investment strategies designed to address their risk tolerance, time horizon, liquidity needs, and overall investment objectives. Eric employs asset allocation models and professional money management to support clients in achieving long-term wealth accumulation goals. He also assists high net worth clients with estate planning strategies, including trust work and charitable gifting. Eric holds the Chartered Retirement Planning Counselor (CRPC) designation, earned in 2007, and the Personal Investment Advisor (PIA) certification. He completed his Bachelor's Degree from Cortland State. Outside of his professional work, Eric enjoys hiking, running, spending time with his family, and traveling.

Barbara Blas is a financial advisor at Osaic Wealth, Inc. with 28 years of industry experience. She holds the Series 63 designation and previously worked at Woodbury Financial Services and Questar Asset Management. Apart from her advisory role, she serves as a board member for Congregation Agudas Achim and is president emeritis of The Reher Center for Immigrant Culture and History. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm utilizes asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct portfolios across various asset classes and supports both discretionary and non-discretionary account management.

Melanie Hammond is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in delivering personalized wealth management strategies tailored to individual client goals. With over 15 years of client-focused experience, she emphasizes purposeful and personal attention to help clients pursue long-term financial objectives, including areas such as college education planning, divorce transition planning, family wealth management, retirement income, and socially responsible investing. Melanie holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). She graduated from Kingston High School and is an active member of the philanthropic educational organization PEO. Melanie’s commitment to her clients is complemented by her involvement in community initiatives, reflecting the Merrill tradition of service. Outside of her professional duties, Melanie engages in various personal interests, including boxing, cooking, hiking, music, reading, running, skiing, traveling, writing, and spending time with her family. As a native of upstate New York, she appreciates the diversity of her community and strives to contribute positively to both her clients and the region she calls home.

Michael Magliocca is a financial advisor with Equitable Advisors, holding a Series 66 credential and one year of industry experience. He has worked at Equitable Advisors in two separate periods and has a background in real estate sales with Century 21 New West Properties. Outside of advising, he is involved in real estate sales in Catskill, NY. Equitable Advisors serves a diverse clientele including individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients, offering financial planning, brokerage, insurance, and access to third-party asset management programs. The firm is dual-registered as an SEC-registered investment adviser and broker-dealer and emphasizes delivering solutions through program sponsors and third-party managers.

Barbara Boccuto is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. She previously worked with Wells Fargo Clearing and Wells Fargo Advisors LLC before joining Raymond James in 2018. In addition to her advisory role, she serves as an ambassador for Rhinebeck Wealth Advisors LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual, high-net-worth, institutional, and corporate clients. The firm offers tailored planning and consulting using analytical tools and supports both advisory programs and institutional portfolio management.

Daniel Mcdonough is a financial advisor with LPL Financial, holding a Series 66 designation and 10 years of industry experience. He has worked at LPL Financial since 2022 and concurrently has experience with CUNA Brokerage Services, Mid-Hudson Valley Federal Credit Union, and Mirabella's Restaurant since 2015. 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 financial planning, various advisory programs, retirement plan consulting, 529 account management, and brokerage services with discretionary and non-discretionary management options supported by research and model portfolios.

Scott Banker Jr. is a Series 66-licensed financial advisor with LPL Financial in Lake Katrine, NY. He joined LPL Financial in 2026 and has prior experience working at Hudson Valley Credit Union, Northwestern Mutual Investment Services, and in various roles unrelated to finance. Outside of his advisory work, he was involved with A&T Bounce House and has worked in the hospitality and education sectors. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by research and technology, providing both discretionary and non-discretionary portfolio management options.

Summer Mosher is a financial advisor with Equitable Advisors in Kingston, NY, holding a Series 66 designation and three years of industry experience. Prior to her current role beginning in 2021, she has worked in various positions including at Hudson Valley Distillers and Outdoor Voices. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.

Darlene Pedrosa is a CFP® professional with 20 years of industry experience, currently affiliated with LPL Financial since 2023. She previously worked at Cetera Investment Services and Foresters Advisory Services, among others. Outside her advisory role, she is involved with Rhinebeck Tax, LLC, a tax preparation and accounting business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, financial institutions, and charitable organizations. The firm offers a broad range of advisory programs and financial planning services supported by research and model portfolios.

Edward Mercier is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 35 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory solutions. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Cynthia Troeger is a financial advisor at Merrill with 22 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Merrill since 2017, following four years at Wells Fargo Advisors. 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, offering 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 registrations and has worked at Merrill since 2017. Prior to that, she was with Wells Fargo Advisors LLC and Wells Fargo Clearing from 2010 to 2017. 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. The firm offers a range of model-based and discretionary investment strategies developed by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

David Hollenbaugh is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with UBS since 2016. He serves as a trustee on several life insurance trusts associated with a business partner. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, employing proprietary capital market assumptions and research to tailor plans according to client goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services and offers a broad range of capital markets and advisory solutions.

John Cubito is a Series 66-licensed financial advisor with six years of industry experience, currently affiliated with LPL Financial. His prior experience includes nine years at Bank of America, N.A., and Merrill. He is also registered with the Mid-Hudson Valley Federal Credit Union. 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 financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

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 and previously worked at AXA Advisors, LLC. Outside of her advisory role, she is involved in business networking groups and owns an insurance and investment agency in Red Hook, NY. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through various third-party managers and LPL programs. The firm uses a hybrid referral and implementation model that emphasizes tailored client services and offers both advisory and brokerage channels.

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.