William Settembrino is a financial advisor at LPL Financial with 30 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Professional Financial Consultants and Cadaret, Grant & Co., Inc. He is also the president and owner of Allset Consultants. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

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 designations and over 21 years of industry experience. His prior roles include positions at Bank of America, Merrill, Morgan Stanley, and Citigroup Global Markets. Outside of his advisory work, he serves as a councilman for the Town of Plattekill and as a director for the Hudson Valley Athletic Club's youth soccer program. Stifel serves a diverse range of clients, including individuals, institutional investors, and municipal entities, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to inform asset allocation and financial planning analyses.

James Hanson is a financial advisor with LPL Financial in Poughkeepsie, NY, holding Series 63 and Series 66 credentials and 17 years of industry experience. He previously worked at Next Financial Group Inc for 11 years. Outside of his advisory role, Hanson is active as a bassist and band member in the local music community. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a variety of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Lynda Beisner is a financial advisor with LPL Financial, holding a Series 63 designation and over 31 years of industry experience. She has been with LPL Financial since 2005. Beisner is involved in offering Medicare Advantage, Medicare Supplement, and Prescription Drug Plans through Hudson Valley Federal Credit Union Insurance Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Erica Salzmann Talbi is a CFP® professional with 38 years of industry experience. She has worked at Osaic since 2023, following a 14-year tenure at Sagepoint Financial, Inc., and a concurrent role at American General Securities Incorporated since 1997. In addition to her advisory work, she prepares tax returns seasonally and serves as co-trustee of a family trust. Osaic Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients through a multi-advisor platform. The firm offers brokerage and advisory services with an emphasis on model-based asset allocation, portfolio optimization, and a range of managed account programs.

Allison Gaudio is a financial advisor at Merrill with 14 years of industry experience and holds a Series 66 designation. She has been with Merrill since 2007. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary strategies managed by internal and third-party teams for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Lisa Tevnan is a financial advisor with LPL Financial, holding a Series 63 designation and bringing nine years of industry experience. She has worked at LPL Financial since 2016 and concurrently has been employed at Hudson Valley Federal Credit Union since 2009. Outside of her advisory role, she is a certified yoga and Pilates instructor based in Poughkeepsie, NY. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolios, and institutional platforms, supported by a large network of investment adviser representatives and leveraging advanced advisor tools.

Carlos Perez is a financial advisor with Equitable Advisors in Poughkeepsie, NY, holding a Series 66 designation and 20 years of industry experience. He has worked at Equitable Advisors since 2006, previously associated with Axa Advisors, LLC. Perez also conducts part-time passive property and casualty insurance sales. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients, offering financial planning, retirement plan consulting, and various asset-management programs. The firm emphasizes matching clients to program models or discretionary managers, utilizing both proprietary and third-party solutions without sponsoring its own wrap fee program.

John Leigh IV is a CFP® professional with nine years of experience in the financial industry. He has been with Edward Jones since 2017. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a nationwide network of financial advisors and branch offices.

Michelle Nolen is a financial advisor at Merrill with 26 years of industry experience. She has been with Merrill Lynch since 1999 and holds the Series 66 designation. Outside of her advisory role, she serves as Corporate Secretary for MG Graphix Inc., a manufacturing company. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Leila Larijani is a financial advisor with UBS Financial Services in Sherman, CT, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She has been with UBS since 2006. Outside of her advisory role, Larijani serves as Treasurer for the King Hussein Cancer Foundation USA. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocation to tailor solutions to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services and offers a broad range of financial products and capital markets services.

Marc Schwedelson is a financial advisor at OSAIC with 46 years of industry experience. He holds Series 63 and Series 65 credentials. Prior to joining OSAIC in 2024, he worked at Securities America Advisors, Inc. and Securities America, Inc. for over 25 years. He is also the owner and president of Quality Financial Services Co., Inc., a life and health insurance agency he has operated since 1987. OSAIC Wealth serves a diverse client base including retail investors, retirement plans, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach centers on model-based asset allocation, portfolio optimization, and a range of managed account options supported by various tools and third-party managers.

Vincent Trovato is a financial advisor at Ameriprise with 30 years of industry experience. He has been with Ameriprise and its affiliated entities since 1995 and holds a Series 63 designation. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement who meet specific asset criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored advice through a centralized consulting team.

Rita Gaffney Labarge is a financial advisor at Morgan Stanley with 35 years of industry experience. She holds Series 63 and Series 65 credentials and has worked with Merrill and various Morgan Stanley entities since 1997. Morgan Stanley Wealth Management serves individual and institutional clients by providing a broad range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

George Decker Jr. is a Senior Financial Advisor and Assistant Vice President at Merrill Lynch Wealth Management. He joined Merrill in 2021, bringing over 45 years of experience in the financial industry. In his role, he focuses on creating personalized wealth management strategies tailored to clients' individual goals and changing market conditions. George holds a Bachelor's Degree in Business Administration from Marist College in Poughkeepsie, New York, and holds the Personal Investment Advisor (PIA) designation. He is involved in community service, serving on the Board of Directors for Angels of Light and having previously served on the boards of Lucky Orphans Horse Rescue, Hope on a Mission, and New Horizons Resources. He resides in Millbrook, New York, with his wife Lori and is the father of six children and grandfather to ten grandchildren.

Thomas Langtry is a financial advisor with Cetera, holding a Series 63 designation and over 31 years of industry experience. He has been affiliated with Cetera and its related entities since 2005 and also owns Langtry Tax & Financial LLC, providing accounting and tax preparation services. Langtry serves as a board member of the Hampton Glen Homeowners Association. Cetera Investment Advisers LLC is an SEC-registered firm that offers a multi-manager platform serving individual, retirement plan, corporate, charitable, and institutional clients. The firm provides a range of portfolio management, financial planning, and retirement services through a large network of independent advisors and utilizes both affiliated and third-party model portfolios.

Mana Sims is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and 13 years of industry experience. Her career includes multiple roles at J.P. Morgan Securities and JPMorgan Chase Bank, as well as positions at Bank of America and Merrill. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process incorporates centralized due diligence with quantitative and qualitative research and includes broader derivatives and commodities capabilities.

Kimberly Koenig is a financial advisor with Morgan Stanley in Poughkeepsie, NY, holding Series 63 and Series 65 licenses and having 39 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015. Outside of her advisory role, she serves on the finance committee of the United States Aikido Federation and has maintained a notary commission for over thirty years. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Gregory Antonakos is a financial advisor with LPL Financial, holding a Series 63 license and having 14 years of industry experience. He has worked at LPL Financial since 2012 and has also been associated with Hudson Valley Federal Credit Union since 2010. He is involved with Hudson Valley Federal Credit Union Insurance Services, focusing on non-variable insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of over 22,800 advisors.