Nwan Joseph is a financial advisor at Key Investment Services LLC with 15 years of industry experience. He holds a Series 66 designation and has worked at KeyBank, Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank, N.A. His tenure spans roles across these firms from 2011 to the present. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through various advisory programs, including wrap-fee models, separately managed accounts, and insurance products. The firm emphasizes client-directed model selection and ongoing product due diligence, operating within the KeyCorp group alongside KeyBank and KeyBanc Capital Markets.

Joseph Miller is a financial advisor at OSAIC Institutions, Inc. with a Series 66 credential and one year of industry experience. His prior work includes roles at Rhinebeck Asset Management, Rhinebeck Bank, and Penn State University. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, wrap programs, and access to alternative investments, operating a hybrid adviser/broker-dealer model with a notable non-discretionary asset base.

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.

Jason Murtagh is a financial advisor with LPL Enterprise LLC, holding Series 63 and Series 66 designations and three years of industry experience. Prior to joining LPL Enterprise in 2026, he worked with NYLIFE Securities LLC and New York Life Insurance from 2022 to 2026. In addition to his advisory role, he is employed as a police officer with the Town of Fishkill and serves as a teacher at Dutchess Community College. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, third-party asset management, and a range of brokerage and insurance products via an integrated platform.

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.

Gina Mann is a CFP®-designated financial advisor with 23 years of industry experience. She is currently with Cambridge Investment Research Advisors and previously worked at Lincoln Financial Advisors for 10 years. In addition to her advisory role, Mann co-owns Freedom Financial Solutions LLC, a tax services business. Cambridge Investment Research Advisors is a large SEC-registered firm serving individuals, retirement-plan sponsors, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing a range of portfolio management and model-based solutions.

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.

Michael Tannenbaum is a financial advisor at LPL Financial with six years of industry experience. He holds the Series 66 designation and has previously worked at Woodbury Financial Services, CitiGroup, and Colonial Voluntary Benefits. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management approaches supported by in-house and third-party research.

Dominick Profaci is a financial advisor with Edward Jones in Poughkeepsie, NY, holding a Series 66 designation and nine years of industry experience. He has been with Edward Jones since 2016 and previously worked at Starbucks for one year. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a wide range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices nationwide.

Christa Coates is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. Her prior firms include Lincoln Financial Advisors and Commonwealth Financial Network. Outside of advising, she is involved with wealth legacy planning businesses and works as an employee at a dance center. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through independent Financial Professionals using a variety of portfolio management and model-based solutions across multiple custody platforms.

Suhair Marji is a financial advisor at J.P. Morgan Securities with 9 years of industry experience. She holds Series 63 and Series 66 designations and has been with JPMorgan Chase and its affiliates since 2013. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Scott Witherspoon is a financial advisor with LPL Financial in Poughkeepsie, NY, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. His career includes prior roles at Hudson Valley Credit Union, Financial Resources Federal Credit Union, and Invest Financial Corporation. He also has involvement with Coldwell Banker Real Estate Services, providing mortgage and real estate services. 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 broad range of financial planning, advisory programs, and retirement consulting services, providing both discretionary and non-discretionary management supported by extensive research and technology tools.

Krista Woodke is a financial advisor with Cetera, holding Series 65 and Series 63 credentials and three years of industry experience. She has worked with ClearPath Advisors since 2020 and owns a crafts and creations business outside of finance. Cetera Investment Advisers LLC is an SEC-registered adviser serving a wide range of clients, including individuals, retirement plans, and institutional accounts, offering various portfolio management and financial planning services through a multi-manager platform.

William Settembrino is a financial advisor with LPL Financial who holds Series 63 and Series 65 designations and has 30 years of industry experience. He previously worked at Professional Financial Consultants for 25 years and at Cadaret, Grant & Co., Inc. for 28 years. Outside of his advisory role, he is the president and owner of Allset Consultants. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios, third-party subadvisors, and technology-driven strategies.

Daniel Tarrant is a financial advisor at Ameriprise with three years of industry experience. He holds a Series 66 designation and has previously worked at Agia, Hudson Farmer and the Fish, and Valic Financial Advisors. He is also co-owner of Arbor Capital Wealth Advisors, where he manages an advisory business. Ameriprise provides a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver non-discretionary recommendations through a centralized consulting team.

Stephen O. Flaherty is a financial advisor with Stifel, holding Series 63 and Series 65 credentials and 20 years of industry experience. His prior roles include positions at Bank of America and Merrill. He serves as a councilman for the Town of Plattekill and is a director guiding the Hudson Valley Athletic Club's youth soccer program. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies.

James Hanson is a financial advisor at LPL Financial with 17 years of industry experience. He previously worked at Next Financial Group Inc for 11 years before joining LPL Financial in 2025. Outside of his advisory role, he is an active musician and bass player. 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, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management with access to model portfolios, research, and various investment strategies.

Lynda Beisner is a financial advisor with LPL Financial who holds a Series 63 designation and has 30 years of industry experience. She has been with LPL Financial since 2005. Beisner is involved with Hudson Valley Federal Credit Union’s financial services and insurance offerings, including Medicare-related plans. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a broad range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.