Zachary Ruttenberg is a financial advisor with Eagle Strategies (NY Life) based in Newburgh, NY, holding Series 63 and Series 65 licenses with five years of industry experience. He has worked with firms including Ruttenberg Capital Group, LLC, NYLIFE Securities LLC, and New York Life Insurance Company. Ruttenberg serves as a board member of the Newburgh Jewish Community Center and is involved in a jewelry and diamond sales business. Eagle Strategies serves a wide range of individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple advisory programs tailored to client and plan sponsor needs, with most assets managed on a non-discretionary basis and an integrated structure linked to New York Life.

Robert Cipriano is a financial advisor with Key Investment Services LLC, holding Series 65 and Series 66 licenses and offering 10 years of industry experience. His prior work includes roles at KeyBank, J.P. Morgan Securities, and Edward Jones. Key Investment Services LLC is an SEC-registered investment adviser providing portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional plan clients through a network of financial professionals. The firm uses a multi-provider platform with discretionary implementation and offers multiple wrap programs alongside custodial and trade execution services.

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 possessing 19 years of industry experience. His career includes roles at J.P. Morgan Securities and JPMORGAN Chase Bank, N.A., along with operating Jpillot Enterprises, LLC. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, wrap programs, and access to alternative investments and lending solutions, operating a hybrid adviser/broker-dealer model that combines firm supervision with delegated investment management.

Declan Costello is a Series 66-licensed financial advisor with five years of industry experience, currently with Transamerica Retirement Advisors, LLC. His prior work includes roles at Goldman Sachs, Empire Wealth Strategies, and Northwestern Mutual. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners, providing managed advice and investment education services supported by proprietary tools from Morningstar Investment Management. The firm focuses on asset allocation and retirement guidance through a variety of programs that offer both implemented managed portfolios and non-discretionary recommendations.

Brian Daly is a financial advisor with OSAIC Institutions, Inc. in Poughkeepsie, NY, holding a Series 66 designation and 13 years of industry experience. His prior roles include positions at J.P. Morgan Securities, Chase Investment Services, Edward Jones, and various financial institutions. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating a hybrid adviser/broker-dealer model with both discretionary and non-discretionary accounts.

Kimberly Contelmo is a financial advisor with VOYA Financial Advisors, Inc., holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She has been with VOYA Financial Advisors since 2014. In addition to her advisory role, she operates as an independent agent selling fixed insurance products. VOYA Financial Advisors, Inc. is an enterprise-scale advisory and broker-dealer affiliate of Voya Financial, serving individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm employs a model-based, technology-enabled approach, managing both non-discretionary and limited discretionary accounts through a wide network of representatives and diverse investment offerings.

Jeremy Falcone is a financial advisor at Key Investment Services LLC with 19 years of industry experience. He holds Series 63 and Series 66 registrations and has worked at firms including LPL Financial LLC, NBT Bank N.A., and M&T Securities, Inc. Falcone has held multiple roles at Key Investment Services since 2016. Key Investment Services LLC is an SEC-registered investment adviser that offers portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional plans through a large network of financial professionals. The firm utilizes a multi-provider model with discretionary and non-discretionary portfolio management, integrating services from KeyCorp affiliates and third-party managers.

Ardal Powell is a financial advisor with Eagle Strategies (NY Life) in Fishkill, NY, holding a Chartered Financial Consultant (ChFC®) designation and over nine years of industry experience. He has been with Eagle Strategies since 2023 and has prior experience with New York Life and NYLIFE Securities LLC dating back to 2016. Outside of his advisory role, Powell is involved in the Howland Chamber Music Circle, presenting an annual series of classical music concerts, and is a published author of scholarly writings. Eagle Strategies serves a diverse client base, including individual and institutional investors, providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored advice and offers multiple program types, with the majority of its regulatory assets managed on a non-discretionary basis within an integrated New York Life affiliate structure.

Nwan Joseph is a Series 66-credentialed financial advisor with 15 years of industry experience. He is currently with Key Investment Services LLC and has previously worked at KeyBank, Wells Fargo Clearing, Wells Fargo Advisors LLC, Wells Fargo Bank, N.A., and Edward Jones. Joseph is based in Poughkeepsie, NY. Key Investment Services LLC is an SEC-registered investment adviser and wrap-fee program sponsor that provides portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional plan clients through a network of financial professionals. The firm offers multiple wrap programs and integrates services with KeyCorp affiliates, utilizing a multi-provider model for portfolio implementation and manager oversight.

Joseph Miller is an advisor with OSAIC Institutions, Inc. holding a Series 66 designation. He has one year of industry experience, including roles at Rhinebeck Asset Management and Rhinebeck Bank. Prior to his advisory career, he has worked in various positions including time at Penn State University and in the restaurant and mortgage industries. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services and combines an adviser/broker-dealer structure with a model that emphasizes supervision rather than centralized account management, providing access to alternative investments and lending solutions.

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.

Ilana Stern is a financial advisor with Eagle Strategies (NY Life) based in Newburgh, NY. She holds Series 63 and Series 66 licenses and has two years of industry experience. Prior to her advisory career, she spent 20 years at NBC Universal and also has experience with J&C Home Renovations Inc. since 2021. Eagle Strategies serves a diverse range of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple program types and emphasizes tailoring recommendations to client objectives, with a significant portion of its assets managed on a non-discretionary basis.

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.

Pranav Rao is a Series 66-licensed financial advisor with four years of industry experience. He has worked at OSAIC since 2022, following a tenure at Securities America Advisors. Rao has also been affiliated with Russell Sage College and Comfort Inn since 2021. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable organizations through a large network of advisors and platforms. The firm offers a range of integrated brokerage and advisory services, utilizing proprietary tools and third-party solutions to construct and manage portfolios across various asset classes.

Jason Murtagh is a financial advisor with LPL Enterprise, holding Series 63 and Series 66 credentials and three years of industry experience. Before joining LPL Enterprise in 2026, he worked at NYLIFE Securities LLC and New York Life Insurance from 2022 to 2026. In addition to his advisory role, Murtagh serves as a police officer for the Town of Fishkill and teaches at Dutchess Community College. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and institutional clients. The firm utilizes model-driven investment implementation and offers financial planning, access to third-party asset managers, and participation in wrap programs, along with affiliated insurance and trust services.

John Paul Mollica is a financial advisor at Ameriprise Financial Services, LLC with 19 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at LPL Financial LLC, Bank of America, N.A., and Merrill. Outside of his advisory role, he is connected to a real estate rental business in Poughkeepsie, NY. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides clients with written recommendations and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Gina Mann is a CFP® professional with 24 years of industry experience, currently serving as a financial advisor at Cambridge Investment Research Advisors since 2024. She previously worked for Lincoln Financial Advisors for 10 years and has been co-owner of Freedom Financial Solutions LLC since 1988, which provides tax services. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through independent Financial Professionals using various portfolio management and platform arrangements.