Evan Kirsch is a financial advisor at Osaic Wealth, Inc. with two years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at MassMutual Life Insurance Company, New York Life Insurance Company, and MML Investors Services, LLC. Outside of his advisory role, Kirsch is an insurance broker involved in life, disability, long-term care, fixed annuities, and health insurance sales. Osaic Wealth, Inc. serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services with a broad range of investment options and utilizes various analytical and portfolio management tools.

Alissa Provanzana is a financial advisor with Cetera who holds Series 63 and Series 66 credentials and has 16 years of industry experience. Her prior work history includes roles at Rhinebeck Bank and Infinex Investments, among others. She serves as a board member for Wallkill Youth Lacrosse and the Inspire Foundation, supporting youth athletics and fundraising for individuals with disabilities. Cetera Investment Advisers LLC is an SEC-registered adviser offering a broad range of portfolio management, financial planning, and retirement services to individuals, employer-sponsored plans, corporate, charitable, and institutional clients. The firm operates a multi-manager platform with access to affiliated and third-party model portfolios and manages over $256 billion in assets through a network of more than 10,000 advisors.

Joseph Montalbano is a CFP®-certified financial advisor with 21 years of industry experience, currently affiliated with Cetera. His career includes roles at Maple Pharmacy/CarePax and Cetera Advisors LLC. Outside of finance, he is involved in managing a modeling and talent agency and serves as director of coaching and scheduling for a local travel baseball organization. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers diverse portfolio management and financial planning services through a multi-manager platform that provides a range of program structures and access to affiliated and third-party managers.

Justin Pucci is a financial advisor with Raymond James & Associates in Goshen, NY, holding a Series 66 credential and two years of industry experience. His prior work includes roles at Grassi & Co., Wiss & Company, and Orange Bank & Trust. He also has experience working in education at Ramapo College of New Jersey and Goshen High School. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional and pension plans, charitable organizations, and government entities, offering financial planning and investment consulting through various advisory programs.

Joshua Stewart is a financial advisor at LPL Financial with 30 years of industry experience. He has been with LPL Financial since 2005 and previously worked at Banc of America Investment Services and Quick & Reilly. Outside of his advisory work, he is involved in coaching and consulting through his business, Stewart & Associates. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions utilizing both proprietary and third-party model portfolios and strategies.

Noel Spencer is a financial advisor with Cetera Wealth Services, LLC, holding a Series 63 designation and over 30 years of industry experience. His prior experience includes long tenures at Avantax Advisory Services and AXA, among others. Outside of advising, he serves as president of Spencer’s of Jamaica, Inc., a tax preparation and accounting business, and participates as a Eucharistic Minister at his local Episcopal church. Cetera Investment Advisers LLC is a large SEC-registered advisor serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party managers.

Thomas Mc Gimpsey Jr. is a financial advisor at Merrill with 13 years of industry experience. He holds Series 63, 65, and 66 licenses and has worked at Hudson Valley Investment Advisors, Inc. before joining Merrill and Bank of America, N.A. Mc Gimpsey serves as a board member of the Garnet Health Foundation and is part of the 2024 Executive Walk Committee for the Alzheimer's Disease and Related Disorders Association, assisting with fundraising efforts. Merrill and its affiliate Managed Account Advisors LLC provide managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Bette Ellen Weiss is a financial advisor with Ameriprise in Goshen, NY, holding Series 63 and Series 65 licenses and 17 years of industry experience. She previously worked at Bruderman Brothers LLC and Bruderman Asset Management, LLC for six years. Weiss is involved with the Mary Nagle Charitable Foundation Trust, where she assists community members in need and supports a student scholarship program. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement income planning based on tax-aware withdrawal strategies and dependable income sources.

John Siciliano Jr. is a financial advisor at LPL Financial with 46 years of industry experience. He holds Series 63 and Series 66 designations. His prior experience includes roles at Cambridge Investment Research Advisors and Invest Financial Corporation. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with advanced research and operational tools.

Shawn Behrent is a financial advisor at Equitable Advisors with two years of industry experience. He holds a Series 66 designation and has prior experience working at the Orange County Department of Finance and the University at Albany. Outside of finance, he has operated Behrent's Performance Warehouse for eight years. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by offering financial planning, retirement plan consulting, and various asset-management programs. The firm delivers its services through a network of Investment Adviser Representatives and utilizes third-party asset managers and advisory programs.

James Pucci is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 57 years of industry experience. He has been with Raymond James & Associates since 2014. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and charitable organizations, providing financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Daniel Lofrese is a financial advisor with LPL Financial in Monroe, NY, holding Series 63 and Series 65 licenses and bringing 48 years of industry experience. His prior roles include positions at Webster Bank, Sterling Bank, Essex National Securities, and Citizens Securities. He is also involved in life insurance sales through SBLI USA. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Darren Mccarthy is a financial advisor with OSAIC who holds a Series 66 designation and has 11 years of industry experience. He previously worked at Securities America Advisors and National Planning Corporation. Outside of his advisory role, he owns Learning Ears, a reading program for parents of children with learning challenges, and provides marketing consulting services for property and casualty businesses. OSAIC serves a diverse group of retail and institutional clients through a large network of affiliated advisers and offers a range of integrated brokerage and advisory services, including financial planning, retirement consulting, and access to third-party money managers. The firm utilizes asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct portfolios across various asset classes, managing accounts on discretionary or non-discretionary bases.

Steven Lombardo is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He has held roles at JPMorgan Chase Bank, N.A. since 2017 and has been with J.P. Morgan Securities since 2016. Outside of his advisory work, he owns and manages a rental property in Monroe, NY. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm uses a quantitative asset-allocation process combined with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Edward Kerrisk is a financial advisor with J.P. Morgan Securities in Monroe, NY, holding Series 63 and Series 66 licenses and three years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank in 2026, he worked three years at Equitable Advisors and briefly at Dick's Sporting Goods, where he was involved in golf sales. Outside of his advisory role, he has experience in retail sales related to golf. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework in its recommendations and offers services on a non-discretionary basis.

Diane Lindsay is a financial advisor at Osaic with 40 years of industry experience. She holds a Series 63 designation and has worked previously at Cadaret, Grant & Co., Inc. for over three decades and Securities America Advisors. In addition to her advisory role, she is a licensed CPA providing tax preparation and consulting services and is involved in marketing and training activities as well as disability and fixed annuity insurance sales. Osaic Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers. The firm uses a variety of tools and platforms to construct and manage diversified portfolios tailored to client risk tolerance and investment restrictions.

Paul Delnegro is a financial advisor with Cetera, holding a Series 63 designation and bringing 35 years of industry experience. He has worked with Avantax Advisory Services, Avantax Investment Services, and has operated his own firm, Del Negro Associates, Inc., since 2000. Outside of advising, he is president of D & D Consulting, a tax preparation and accounting business. Cetera Investment Advisers LLC serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a large nationwide network of independent advisors. The firm offers a range of portfolio management and consulting services and operates a multi-manager platform with access to affiliated and third-party managers.

Rachel Hendricks is a financial advisor with Primerica Advisors based in Goshen, NY, holding Series 63 and Series 65 credentials and 16 years of industry experience. Her prior roles include positions with Pocono Mountains Economic Development Corporation and Milford Township. Outside of advisory work, she is involved in sales of home security, automation products, and loan products through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm employs model-delivery investment strategies managed by unaffiliated managers and supports execution and custody through Pershing and BNY Mellon Advisors.

Robert Howerter is a financial advisor with OSAIC, holding Series 63 and Series 66 designations and bringing 34 years of industry experience. His prior firms include Securities America Advisors and National Planning Corporation. Outside of advising, he is involved in several business ventures, including ownership of Gaynor Mansion Associates LLC and roles in marketing and tax-related businesses. OSAIC serves a diverse client base including individual and institutional investors through a broad network of affiliated advisers and multiple advisory platforms. The firm integrates brokerage and investment advisory services with financial planning and retirement consulting, utilizing various asset-allocation tools and third-party solutions to manage portfolios on both discretionary and non-discretionary bases.

Mary Martin is a financial advisor with Primerica Advisors in Goshen, NY, holding a Series 63 designation and 12 years of industry experience. Her background includes prior work at Warner Construction Inc. She is also self-employed as a bookkeeper for Cedar Lakes Estate LLC and operates an accounting and tax service, As You Wish Accounting and Tax Service. Primerica Advisors sponsors a wrap-fee asset management program serving 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 through a network of about 3,987 advisors using model-based investment strategies and discretionary management options.