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 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.

Ojas Sardesai is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 13 years of industry experience. He has been with LPL Financial since 2012 and also works with Hudson Valley Federal Credit Union, where he is involved in insurance services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and charitable organizations through a national network of advisers. The firm offers various advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by internal and third-party research.

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 with LPL Financial and holds a Series 66 designation. He has experience working in education and credit unions, including roles at Dutchess Community College, Hudson Valley Credit Union, and Rhinebeck middle and high schools. 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 financial planning, advisory programs, retirement plan consulting, and brokerage services through a national network of investment adviser representatives.

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 with Linsco/Private Ledger Corp. since 2000. Steven also maintains a DBA under the name Safety Harbor Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management along with research from internal and third-party sources.

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.

Jodi Hills is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 28 years of industry experience. She has been with LPL Financial since 2008. Outside of her advisory role, she is involved in construction management through Hills Construction Management, Inc., and serves as a Notary Public in New York State. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, corporations, and charitable organizations through a national network of representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Doina Pinto is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and 23 years of industry experience. She has worked at Raymond James since 2018 and previously was with Wells Fargo Clearing and Wells Fargo Advisors. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a broad range of clients, including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary planning and supports advisory programs through a large network while maintaining specialized services in municipal and public finance.

Arthur Stern is a financial advisor at Morgan Stanley with 32 years of industry experience. He has been with Morgan Stanley Private Bank since 2015 and has also worked with Morgan Stanley Smith Barney and Citigroup Global Markets. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and market simulations.

Katie Johnston is a financial advisor at Raymond James Financial with 16 years of industry experience. She previously worked for Commonwealth Financial Network and JSA Financial. Johnston holds a Series 63 designation. Outside of her advisory role, she owns and manages residential rental properties in Saugerties, NY. 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 investors. The firm offers tailored, non-discretionary planning and uses analytical tools to model potential outcomes, supporting clients through its advisory programs and other providers.

William Rae is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 42 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC. Outside of his advisory role, he serves as co-executor of his aunt's estate and executor for his mother's estate. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors, providing both brokerage and advisory solutions.

Alexandra Madsen is a financial advisor at LPL Financial with seven years of industry experience. She holds a Series 66 designation and has worked at LPL Financial since 2018. Prior to her current role, she was involved with Columbia County Habitat for Humanity and had experience in design and retail. Alexandra is also a commissioned notary public in Hudson, NY. 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 provides financial planning, advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management supported by model portfolios and research.

Michelle Reihbandt is a financial advisor at Morgan Stanley with five years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2018. Prior to joining the firm, she worked at Paraco Gas, Cook Netter Clonnan Kurtz Murphy, STUDIOS Architecture, and Edgewood Management LLC. She is also a board member of Kingston Cal Ripken, a local recreation organization. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques to support its advisory offerings.

Christopher De Forest is a financial advisor with Morgan Stanley in Kingston, NY, holding Series 63 and Series 66 licenses and having eight years of industry experience. He has worked at Morgan Stanley and its Private Bank since 2018 and previously was with National Securities Corp. De Forest is also involved with Defo LLC, which he has been affiliated with since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions. The firm’s financial planning process uses structured discovery and firm-approved tools, supporting comprehensive planning without providing individual security recommendations as part of standalone programs.