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.

Aman Goel is a financial advisor with Eagle Strategies (New York Life) and holds Series 63 and Series 65 credentials, with 11 years of industry experience. He has operated Goel Financial since 2018 and has been affiliated with New York Life and its related entities since 2013. Outside of advisory work, he serves as president of a local networking chapter, BNI Gateway, and leads Goel Management Group, which supports staffing and event management. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to individual and institutional clients through a large network of affiliated advisers. The firm offers multiple advisory programs tailored to client and plan sponsor objectives, with a focus on non-discretionary management and fiduciary responsibilities within the New York Life affiliate structure.

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.

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.

Nicholas Foci is a financial advisor at Citigroup Global Markets with Series 63 and Series 65 credentials and two years of industry experience. His work background includes roles at Citi and Northwestern Mutual, as well as employment in the restaurant industry. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies with both discretionary and non-discretionary options, supported by in-house research and unique market roles.

Declan Costello is a Series 66-licensed financial advisor with four years of industry experience. He is currently with Transamerica Retirement Advisors, LLC and has prior experience 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 through proprietary software and model asset allocations developed in partnership with Morningstar Investment Management.

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 and several financial services firms. 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, 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 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.

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 the Series 66 designation and has worked previously at Wells Fargo Clearing, Wells Fargo Advisors LLC, and KeyBank. He is based in Poughkeepsie, NY. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through various advisory programs, model portfolios, and managed accounts. The firm emphasizes client direction in model selection while providing recommendations and oversight, and operates within the KeyCorp group alongside affiliated banking and capital market entities.

Joseph Miller is a financial advisor at OSAIC Institutions, Inc. with the Series 66 designation and one year of industry experience. He has worked at Rhinebeck Asset Management and Rhinebeck Bank in recent years and has a background including roles at Penn State University and various other organizations. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a large network of adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, access to alternative investments, and combines investment adviser and broker-dealer registrations in a distinctive hybrid model.

Ilana Stern is a financial advisor at Eagle Strategies (NY Life) with Series 66 and Series 63 credentials and two years of industry experience. Her career includes positions at Ruttenberg Capital Group, NYLife Securities, and New York Life Insurance Company. Outside of finance, she has been involved with J&C Home Renovations Inc since 2021. Eagle Strategies serves a diverse client base including individual investors and institutional clients, offering financial planning, investment management, and retirement-plan advisory services. The firm provides various advisory programs and emphasizes tailored recommendations aligned with client objectives and plan sponsor requirements.

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 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.

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.

Robert Priore is a financial advisor at Edward Jones with 21 years of industry experience. He holds the Series 63 designation and has been with Edward Jones since 2004. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, access to separately managed accounts, and affiliated mutual funds, supported by a nationwide network of over 23,000 financial advisors.

Gina Mann is a CFP®-designated financial advisor with 23 years of industry experience. She is currently with Cambridge Investment Research Advisors and previously worked at Lincoln Financial Advisors for 10 years. In addition to her advisory role, Mann co-owns Freedom Financial Solutions LLC, a tax services business. Cambridge Investment Research Advisors is a large SEC-registered firm serving individuals, retirement-plan sponsors, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing a range of portfolio management and model-based solutions.

Paul Ferrigno is a CFP® professional affiliated with OSAIC, with 21 years of industry experience. He has previously worked at FSC Securities Corp and SII Investments. Outside of his advisory role, he serves on the Membership Committee for Business Network International, assisting with member performance metrics, interviews, and conflict resolution. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through a large network of advisors and advisory platforms. The firm offers a wide range of financial services and employs firm-provided asset allocation tools, risk assessments, and automated rebalancing to manage portfolios across various asset classes.