Jarryd Killian is a financial advisor at LPL Financial with one year of industry experience and holds a Series 66 designation. His prior work includes roles at Coombe, Bender & Co, BNP Paribas Asset Management, and Ovations. 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 investment adviser representatives. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Howard Gershman is a Series 63-licensed advisor with Primerica Advisors, where he has worked since 2003, totaling 22 years of industry experience. Prior to and alongside his financial services career, he has operated Gersky's Catering since 1987. He also engages in part-time sales of loan products and home security referrals through affiliated Primerica entities. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-based strategies and separately managed accounts, using third-party asset managers and a tiered wrap-fee structure.

Ashley Magen is a financial advisor at Equitable Advisors with the Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, she held various roles including positions at 22 Bowen's, Alku, and the University of Rhode Island Academic Enhancement Center. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm uses a range of advisory program models and third-party asset managers to implement client portfolios.

Anthony Natrella is a financial advisor at Osaic with 31 years of industry experience. His prior roles include positions at Securities America, Inc. and National Planning Corporation. Outside of advisory services, Natrella is involved in tax preparation and operates a handyman business. Osaic Wealth, Inc. serves a diverse client base ranging from individual investors to corporations and charitable organizations. The firm offers integrated brokerage and advisory services supported by advanced portfolio construction tools, and it maintains a complex corporate structure with multiple advisory platforms and third-party service arrangements.

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.

William Niederauer is a financial advisor with LPL Financial in Goshen, NY, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His prior roles include positions at PGIM Investments LLC, Securities America Advisors, and Quest Financial Services. Niederauer is also an insurance agent with Yankee Advisor Network, selling life insurance and fixed annuities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement consulting, and brokerage services, utilizing model portfolios, research from multiple sources, and various technology-driven investment solutions.

James Finnegan is a Financial Advisor with Merrill Lynch Wealth Management, specializing in developing personalized financial strategies for individuals, families, and businesses. He focuses on client-centric planning by understanding what matters most to each client and providing ongoing guidance to navigate financial opportunities and challenges. James holds the Series 7 and Series 66 registrations, the Chartered Retirement Planning Counselor (CRPC®) designation, the Personal Investment Advisor (PIA) designation, and the Life, Accident & Health Insurance License. He has a Bachelor's Degree and an Associate's Degree from the State University of New York System and a High School Diploma from Goshen. Prior to joining Merrill, he was the General Manager of West Hills Country Club in Middletown, NY, where he managed financial operations, budgeting, and business management. His expertise includes college education planning, individual and corporate investment strategy, and retirement income planning. Outside of his professional responsibilities, James enjoys baseball, football, golfing, and spending time with his family.

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.

Paolo Saggese is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 certifications and five years of industry experience. He has worked at Primerica Advisors since 2021 and Primerica Financial Services since 2020. In addition to his financial advisory role, he maintains a dental practice through Paolo Saggese DMD PLLC, which he has operated since 2014. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-based investment strategies managed by third-party asset managers and supports advisory services through a large network of financial advisors.

Melissa Hourihan is a financial advisor with Ameriprise in Washingtonville, NY, holding a Series 66 designation and bringing three years of industry experience. She previously worked at Bruderman Asset Management, LLC for 13 years before joining Ameriprise in 2022. Ameriprise provides a retirement-income planning service tailored to individuals nearing or in retirement who meet specific asset thresholds, combining research and modeling techniques to deliver tax-smart withdrawal strategies and Social Security claiming advice. The firm also offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Peter Dedel is a financial advisor with Ameriprise Financial Services LLC, holding a Series 66 designation and bringing 46 years of industry experience. He previously worked at Bruderman Brothers Inc. and Gary Goldberg & Co., Inc. Dedel serves on the Board of Directors for the Eagle Valley Volunteer Fire Company and is a Commissioner for the Tuxedo Joint Fire District. Ameriprise offers retirement-income planning services focused on individuals nearing or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written recommendations, delivered by a centralized consulting team in partnership with financial advisors.

Lori Simon is a financial advisor at Morgan Stanley with 35 years of industry experience. She has been with Morgan Stanley since 2014 and holds a Series 63 designation. Outside of her advisory role, she is a partner in DruttyHop, LLC, a business involved in rental property management. Morgan Stanley Wealth Management offers a broad range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and a variety of investment strategies to support its clients.

Charles Twoguns is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has worked with Primerica Advisors since 1999 and also has a long tenure with Rush Computer Rentals. Outside of his advisory work, Twoguns serves as an assistant coach for a girls varsity lacrosse team and works as a lacrosse trainer. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and discretionary separately managed accounts for individual and high-net-worth clients. The firm focuses on a tiered wrap-fee structure and curates third-party asset managers with oversight of model offerings.

Richard Martin is a financial advisor with Ameriprise who holds Series 63 and Series 65 licenses and has 40 years of industry experience. He has been with Ameriprise since 1986 and currently serves as chairman of the Andrew Nissen Scholarship Fund board of directors. Richard also manages his practice through Richard Martin LLC. Ameriprise Financial Services is a large, diversified advisory firm that serves both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides retirement-income planning advice through a centralized team, using proprietary research and third-party tools to focus on dependable income sources and tax-aware withdrawal strategies.

Leonard Curcio is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has worked at Primerica Financial Services since 2005 and has held roles at Transamerica Financial Advisors, World Financial Group, and Hagerty Consulting, where he also serves as a project manager-engineer involved in hurricane damage assessment and mitigation. Curcio is involved in sales of investment-related and loan products through Primerica affiliates, along with referrals for home security and automation services. Primerica Advisors serves primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm manages approximately $15.5 billion in assets, delivering advisory services through a model-driven program supported by third-party asset managers and custodians.

James Bannon is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he works one-on-one with clients to define their financial goals and develop portfolio strategies designed to help achieve those objectives. He provides ongoing advice and adjusts strategies as clients' situations evolve. James holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He earned both his Bachelor's and Master's degrees from the University of Scranton. He is affiliated with Bank of America and participates in the Rotary Club as part of his community involvement.

John Recine is a financial advisor at Equitable Advisors with two years of industry experience. He holds the Series 66 designation and has worked at several firms, including Fifth Avenue Financial and Securities of America. Outside of finance, he has experience with a floral business and has worked in the funeral home industry. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, and charitable organizations. The firm uses a range of advisory models, including third-party asset managers and proprietary programs, to serve both non-high-net-worth and high-net-worth clients.

Ryan Coakley is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been with Merrill since 2015 and has a total of 17 years of experience in the financial services industry. Ryan uses a goals-based wealth management approach, working with individuals, families, and businesses to create personalized financial strategies that align with their risk profiles and investment styles. He focuses on areas such as investment consulting for defined contribution plans, managing new wealth, personal retirement planning, portfolio management services, and retirement income strategies. Ryan began his career with Bank of America in 2005 and gained experience as a Financial Center Manager before joining Merrill Lynch Wealth Management. He holds Series 7 and 66 FINRA registrations, Life and Health Insurance Licenses with New York State, and obtained the Certified Plan Fiduciary Advisor (CPFA) designation in 2018. This designation allows him to provide Merrill's 401(k) platform to local businesses and non-profit organizations, helping clients achieve successful retirement outcomes while addressing fiduciary responsibilities. A lifelong resident of Orange County, Ryan holds an Associate's Degree from The College of Westchester and a High School Diploma from Newburgh Free Academy. He serves on the boards of the Orange County Chamber of Commerce, Greater Cornwall Chamber of Commerce, and Inspire Foundation. Ryan is also involved with organizations including the Cornwall Lions Club and the Food Bank of the Hudson Valley. In his personal time, he enjoys cooking, gardening, golfing, hiking, racquetball, tennis, watching movies, and spending time with his family.

James Fitzgerald is a financial advisor with Stifel in Goshen, NY, holding the Series 63 and Series 66 designations and bringing 10 years of industry experience. He previously worked at Wells Fargo Advisors, Hudson Valley Investment Advisors, Inc., and D.A. Davidson & Co. Fitzgerald maintains an active real estate license in New York. Stifel serves a diverse client base including individuals, institutional clients, and municipal entities, providing both brokerage and investment advisory services. The firm’s investment approach incorporates proprietary forward-looking capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Steven Campione is a Financial Advisor at Merrill Lynch Wealth Management. He works closely with clients to define their financial goals and develop portfolio strategies tailored to help them achieve those goals. His client focus areas include college education planning, family wealth management, liquidity management, managing new wealth, portfolio management services, small business strategies, individual and corporate investment strategy, tax minimization, and retirement income. Steven's approach to financial planning emphasizes understanding what success looks like for each individual, family, or business. He centers his work on listening, building lasting relationships, and providing personalized guidance tailored to each client's unique circumstances. His services encompass retirement planning, investment management, wealth accumulation, risk management, legacy planning, and more. He holds a Bachelor's Degree from Salisbury University, a Bachelor's Degree from the State University of New York system, and a Master of Business Administration (MBA) from the State University of New York system. Steven holds the Series 7 and 66 FINRA registrations, along with the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) professional designations. He has also been involved with the Student Managed Investment Fund at SUNY New Paltz from 2022 to 2024.