Andre St.Louis is a financial advisor with LPL Financial holding Series 63 and Series 65 credentials and five years of industry experience. He has worked at firms including Cetera, Equitable Advisors, and Point 72. Outside of advisory roles, he has been involved with Serene Capital Management and Solutions. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, and institutions, offering a range of advisory programs, financial planning, and brokerage services supported by in-house and third-party research.

Raymond Khoury is a financial advisor with LPL Financial, holding a Series 63 designation and over 13 years of industry experience. He has been with LPL Financial since 2012 and is also affiliated with Hudson Valley Federal Credit Union, where he provides financial services and insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a broad range of financial planning and advisory programs, including both discretionary and non-discretionary management, supported by research from LPL and third-party subadvisors.

Bharatkumar Jani is a financial advisor at Cetera with 30 years of industry experience. He holds the Series 63 designation and has worked at Avantax and Cetera-related entities since 2010. Outside of his advisory role, he serves as a Hindu priest and teaches driver safety courses. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors, serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to third-party money managers and various program structures.

Joe Ann Vacca is a financial advisor at Fidelity with 21 years of industry experience. She holds Series 63 and Series 66 designations and has worked with Fidelity Investments since 2011 in various capacities, including Fidelity Personal and Workplace Advisors. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, as well as registered investment companies. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios using a diverse investable universe of mutual funds, ETFs, and ETPs.

Mark Graham is a Series 63-licensed financial advisor with 17 years of industry experience, currently affiliated with Primerica Advisors. He has worked at PFS Investments, Inc. since 2008 and Primerica Financial Services since 2004. Outside of his advisory role, he has been involved in sales of loan products and home security services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and limited discretionary separately managed accounts primarily for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

James Sbarra is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 14 years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2014, and previously operated his own advisory practice from 2006 to 2016. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors, combining institutional advisory operations with brokerage and investment management capabilities.

Garry Michel is a CFP® with 19 years of industry experience, currently serving at Cetera since 2016. He also owns Michel Tax Services LLC, which prepares tax returns for individuals and businesses. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual investors, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers.

Lena Rizkallah is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 12 years of industry experience. Her prior roles include seven years at Cambridge Investment Research Advisors and five years at JPMorgan Investment Management. She serves on the boards of the Howland Cultural Center and the Estate Planning Council of the Hudson Valley. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, institutions, and charitable organizations, offering a range of financial planning and advisory programs supported by in-house and third-party research.

Richard Harnett Jr. is a financial advisor with Merrill, holding Series 63 and Series 66 designations and 18 years of industry experience. He has been with Merrill and Bank of America, N.A. since 2016. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Charu Ashar is a financial advisor with Cetera who holds a Series 63 designation and has 41 years of industry experience. Ashar has worked at Cetera since 2019 and has prior experience with Ameritas, ICB ICU, and Foresters Financial, where Ashar spent over three decades. Cetera Investment Advisers LLC is a large SEC-registered firm offering services through a nationwide network of independent advisors. The firm serves individuals, retirement plans, corporate and charitable clients, and institutional accounts, providing portfolio management, financial planning, and access to a variety of program platforms and third-party managers.

Karen Stewart is a financial advisor with LPL Financial in Montgomery, NY. She holds Series 63 and Series 65 licenses and has 26 years of industry experience, including 21 years with LPL Financial (formerly LINSCO/PRIVATE LEDGER CORP.). LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services, with management options that include discretionary and non-discretionary strategies supported by in-house and third-party research.

Lisbel Rosario is a financial advisor with Primerica Advisors, holding a Series 63 designation and bringing 10 years of industry experience. Her prior work includes roles at Community Capital NY, the Charter School of Educational Excellence, Pelham Plumbing & Heating Corp., and PFS Investments Inc. Outside of advising, she serves as an administrative assistant for the City Schools Sports Association. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm operates on a large scale with nearly 3,700 advisors and approximately $15.5 billion in assets under management, delivering advisory services through model-based recommendations and discretionary management options.

Nikita West is an Investment Consultant at Fidelity, a role she has held since 2024. Prior to this, she worked as an Investment Solutions Representative at Fidelity Investments from 2021 to 2022 and served as a Relationship Banker at Wells Fargo Bank from 2013 to 2021. Her professional experience spans various facets of financial services, focusing on client relationships and investment solutions. She holds a California Insurance License, which supports her work in financial planning and investment consulting. Nikita emphasizes building long-term partnerships with her clients by understanding their individual financial goals and providing transparent guidance throughout their financial journeys. Outside of her professional life, Nikita enjoys cooking and baking, hiking, music, outdoor adventures, traveling, and writing.

Patricia Weinshank is a financial advisor with LPL Financial in Woodbury, NY, holding Series 63 and Series 66 credentials and bringing 34 years of industry experience. She has worked at Bridgehampton National Bank and LPL Financial since 2016. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement services, utilizing both discretionary and non-discretionary management with support from LPL Research and third-party providers.

Brian Gaine is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and bringing 32 years of industry experience. He has been with MML Investors Services Inc and MassMutual since 2009. Outside of advisory services, he works as a sales agent for life, health, disability income, and long-term care insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring planning engagements as ongoing relationships that use firm-approved tools to analyze client goals.

William Bredthauer is a CFP® professional with 33 years of experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. for 28 years. Outside of advising, he is a high school basketball referee and co-owner of Nachauer Partners, where he manages an advisory business. Ameriprise is an institutional firm offering a retirement-income planning service tailored to individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to create personalized, non-discretionary recommendation reports.

Connor Chiulli is a financial advisor with LPL Financial, holding a Series 66 designation and four years of industry experience. His prior roles include positions at MML Investors Services, MassMutual Life Insurance Co, and Morgan Stanley. Outside of his advisory work, he is employed at The Diamond Mine in Poughkeepsie, NY. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Zachary Landy is a financial advisor with LPL Financial, holding a Series 66 designation and one year of industry experience. Prior to joining LPL Financial in 2025, he worked at Cadaret, Grant & Co., Inc. and has experience in collegiate athletics and player development, including roles at Vassar College, Utica University, and Mohawk Valley Baseball Academy. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a nationwide network of investment adviser representatives, offering a range of advisory programs, financial planning, and retirement consulting services.

Nicholas Mirecki is a financial advisor at OSAIC with two years of industry experience. He holds Series 66 and Series 63 licenses and has worked at firms including Ferrigno Financial and Fidelity Investments. Mirecki also has experience in the catering industry through Inn Credible Caterers. OSAIC serves a broad mix of retail and institutional clients, offering integrated brokerage and advisory services through a large network of affiliated advisers. The firm employs a variety of asset-allocation tools and third-party platforms to construct diversified portfolios for its clients.

Margaret Schimmelpfennig is a financial advisor with Primerica Advisors in Newburgh, NY, holding Series 63 and Series 65 licenses and eight years of industry experience. She has worked with Primerica Advisors since 2018 and has a background in education, having been employed by Hyde Park Central School District for 23 years. In addition to her advisory role, she is involved in sales of loan products and home security referrals through affiliated Primerica companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which provides model-delivery strategies and a limited number of discretionary separately managed accounts for individual and high-net-worth clients. The firm curates third-party asset managers and utilizes a tiered wrap-fee structure for its investment solutions.