Michelle Haass is a financial advisor at Equity Services, Inc. with 23 years of industry experience. She holds the Series 63 designation and has been with Equity Services since 2015. In addition to her advisory role, she is an agent for several insurance companies under the name Thoroughbred Advisors and is involved in a side business specializing in bookkeeping and the sales of awards and trophies. Equity Services, Inc., doing business as ESI Financial Advisors, provides financial planning, consulting, and asset management to a broad range of clients including individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms, frequently utilizing third-party asset managers and model portfolios with a combination of long-term strategies and options for shorter-term trading.

Kimberly Jackson is a financial advisor at Empower Advisory Group with 15 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including GWFS Equities, Advised Assets Group, and Thrivent Investment Management. Outside of her advisory role, she serves as president of the Mahopac Varsity Cheer Blue and Gold Booster Club. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, offering integrated services through Empower’s recordkeeping and administrative platforms. The firm focuses on long-term portfolio returns and annual rebalancing within plan lineups selected by plan sponsors.

Brian Engelhardt is a financial advisor with Bankers Life Advisory Services, Inc., holding a Series 63 designation and seven years of industry experience. He has been associated with various entities under Bankers Life since 2010, including Bankers Life & Casualty where he works as an insurance agent offering Medicare Supplement, annuity, life, health, and long-term care insurance products. Bankers Life Advisory Services, Inc. provides discretionary portfolio management and investment consulting primarily to mass-affluent and high-net-worth individuals, focusing on customized asset allocation, tax efficiency, and a blend of fundamental and technical analysis to manage client portfolios.

Joseph Steffy III is a financial advisor at Oppenheimer with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Fahnestock & Co., Inc. since 1992. Outside of his advisory work, he serves as president of DAY REALTY CORP., a real estate investment company. Oppenheimer serves a diverse client base including individuals, corporations, and charitable organizations, offering a range of advisory and brokerage services such as discretionary and non-discretionary investment management, consulting, and retirement services. The firm employs strategic and tactical asset allocation along with various investment vehicles to meet client objectives and acts as a qualified custodian for client assets.

John Mc Loughlin is a financial advisor at OSAIC Institutions, Inc. with 36 years of industry experience. He holds Series 63 and Series 65 designations. His prior work includes roles at Santander Securities, LLC, Santander Bank, NA, Woodbury Financial Services Inc., and Ferreira Construction. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a large network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments and lending solutions, operating under a hybrid adviser/broker-dealer model.

Robert Cipriano is a financial advisor at Key Investment Services LLC with 10 years of industry experience. He holds the Series 66 and Series 65 designations. His prior work experience includes roles at KeyBank and Key Investment Services LLC. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through wrap-fee advisory programs, model portfolios, separately managed accounts, and brokerage and insurance products. The firm emphasizes client-directed investment decisions supported by non-binding recommendations and ongoing monitoring, while providing access to third-party discretionary managers and supervisory oversight.

Mark Vesely is a financial advisor at Commonwealth Financial Network with three years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at firms including LPL Financial LLC and J.P. Morgan Securities LLC. Vesely is also involved with Hudson Valley Credit Union in a financial institution duty role. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 advisors and manages roughly $212.7 billion in client assets. The firm offers a broad range of managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

William Gillett is a financial advisor at SPC with 35 years of industry experience. He previously spent 28 years at The Commonwealth Agency and Commonwealth Financial Network. In addition to his advisory role, he serves as President and CEO of The Commonwealth Agency, where he focuses on marketing and servicing fixed insurance products. SPC serves individual clients, charitable organizations, corporations, and employer-sponsored retirement plans through a network of over 460 advisers and approximately $5.66 billion in assets under management. The firm offers portfolio management, financial planning, and a range of ERISA-related retirement plan services, providing both discretionary and nondiscretionary management options.

Joseph Pillot is a financial advisor with OSAIC Institutions, Inc. holding Series 63 and Series 66 designations and 19 years of industry experience. His work history includes roles at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., along with operating his own business, Jpillot Enterprises, LLC. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA plans, trusts, estates, and corporate clients. The firm offers customized advisory and consulting services through a hybrid adviser/broker-dealer structure and emphasizes a model where investment analysis and account management are delegated to its representatives with firm supervision.

Brian Daly is a financial advisor with OSAIC Institutions, Inc. in Poughkeepsie, NY, holding a Series 66 designation and 12 years of industry experience. His prior roles include positions at KeyBank, J.P. Morgan Securities, and Hudson Valley Credit Union. OSAIC Institutions serves individuals, charitable organizations, corporations, and retirement plans by offering advisory and brokerage services through customized engagements, financial planning, ERISA plan services, and access to alternative investments. The firm’s services are primarily delivered through a network of investment adviser representatives who provide both advisory and brokerage solutions, with an emphasis on non-discretionary assets.

Patrice Borgese is a financial advisor at Integrated Wealth Concepts LLC with 19 years of industry experience. She holds Series 63 and Series 65 credentials and has worked previously at Lincoln Financial Advisors Corporation. Borgese is involved in non-variable insurance activities in addition to her advisory role. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management, financial planning, family office, and retirement plan services, employing customized portfolios primarily composed of mutual funds, ETFs, equities, and fixed income with a long-term investment approach.

Kimberly Contelmo is a financial advisor with VOYA Financial Advisors, Inc., holding Series 63 and Series 65 licenses and 28 years of industry experience. She has been with VOYA Financial Advisors since 2014. Outside of her advisory role, she operates as an independent insurance agent specializing in fixed insurance products. VOYA Financial Advisors serves a diverse client base including individuals, institutions, and retirement plan sponsors. The firm offers various financial services through multiple program structures, primarily delivering non-discretionary advice across portfolio management, financial planning, and plan-sponsor consulting.

Jeremy Falcone is a financial advisor at Key Investment Services LLC with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at LPL Financial LLC and NBT Bank N. A. His career includes multiple periods at Key Investment Services, totaling eight years. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through various advisory programs and investment products, emphasizing client-directed model selection and ongoing monitoring. The firm operates within the KeyCorp group and maintains connections with KeyBank and KeyBanc Capital Markets.

Ardal Powell is a financial advisor with Eagle Strategies (NY Life) in Fishkill, NY, holding the ChFC® designation and Series 65 and Series 63 licenses. He has nine years of industry experience and has been associated with Eagle Strategies and related entities since 2016. Outside of his advisory work, he is an officer for the Howland Chamber Music Circle, which presents classical music concerts in Beacon, NY, and has authored scholarly publications on music history. Eagle Strategies serves a diverse client base including individuals and institutional investors, providing financial planning, investment management, and retirement-plan advisory services. The firm offers a range of program types and emphasizes tailoring recommendations to client objectives, managing the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

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.