Paolo Saggese is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and five years of industry experience. He has been with Primerica Advisors since 2021 and Primerica Financial Services since 2020. Outside of finance, he is self-employed as a dentist through his own practice, Paolo Saggese DMD PLLC. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, offering advisory services through a model-based approach managed by unaffiliated asset managers. The firm operates at scale with thousands of advisors and offices, focusing primarily on individual investors rather than institutional portfolio management.

Paiwei Lee is a financial advisor at Cetera with 28 years of industry experience and holds Series 63 and Series 66 designations. He has been with Cetera and its affiliated entities since 2013. Outside of advising, Lee works as a flight attendant for United Airlines. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts, offering a range of portfolio management and financial planning services. The firm operates as a multi-manager platform, providing advisors flexible investment options across discretionary and non-discretionary programs.

Melissa Hourihan is a financial advisor with Ameriprise in Washingtonville, NY, holding a Series 66 designation and bringing three years of industry experience. She previously worked at Bruderman Asset Management, LLC for 13 years before joining Ameriprise in 2022. Ameriprise provides a retirement-income planning service tailored to individuals nearing or in retirement who meet specific asset thresholds, combining research and modeling techniques to deliver tax-smart withdrawal strategies and Social Security claiming advice. The firm also offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Peter Dedel is a financial advisor with Ameriprise Financial Services LLC, holding a Series 66 designation and bringing 46 years of industry experience. He previously worked at Bruderman Brothers Inc. and Gary Goldberg & Co., Inc. Dedel serves on the Board of Directors for the Eagle Valley Volunteer Fire Company and is a Commissioner for the Tuxedo Joint Fire District. Ameriprise offers retirement-income planning services focused on individuals nearing or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written recommendations, delivered by a centralized consulting team in partnership with financial advisors.

Charles Twoguns is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has worked with Primerica Advisors since 1999 and also has a long tenure with Rush Computer Rentals. Outside of his advisory work, Twoguns serves as an assistant coach for a girls varsity lacrosse team and works as a lacrosse trainer. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and discretionary separately managed accounts for individual and high-net-worth clients. The firm focuses on a tiered wrap-fee structure and curates third-party asset managers with oversight of model offerings.

Richard Martin is a financial advisor with Ameriprise who holds Series 63 and Series 65 licenses and has 40 years of industry experience. He has been with Ameriprise since 1986 and currently serves as chairman of the Andrew Nissen Scholarship Fund board of directors. Richard also manages his practice through Richard Martin LLC. Ameriprise Financial Services is a large, diversified advisory firm that serves both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides retirement-income planning advice through a centralized team, using proprietary research and third-party tools to focus on dependable income sources and tax-aware withdrawal strategies.

Leonard Curcio is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has worked at Primerica Financial Services since 2005 and has held roles at Transamerica Financial Advisors, World Financial Group, and Hagerty Consulting, where he also serves as a project manager-engineer involved in hurricane damage assessment and mitigation. Curcio is involved in sales of investment-related and loan products through Primerica affiliates, along with referrals for home security and automation services. Primerica Advisors serves primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm manages approximately $15.5 billion in assets, delivering advisory services through a model-driven program supported by third-party asset managers and custodians.

James Bannon is a Financial Advisor at Merrill Lynch Wealth Management. He works one-on-one with clients to define their goals and develop portfolio strategies designed to help them reach those goals. James provides ongoing advice and adapts portfolios to changing client circumstances. He has expertise in areas including college education planning, divorce transition planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. His approach involves understanding each client's values, priorities, family dynamics, and financial aspirations to create customized strategies. James holds a Bachelor's Degree and a Master's Degree from the University of Scranton. He has earned the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He is affiliated with Bank of America and participates in community activities through the Rotary Club. His personal interests include baseball, basketball, fishing, football, golfing, skiing, soccer, and spending time with his family.

John Recine is a financial advisor at Equitable Advisors with two years of industry experience. He holds the Series 66 designation and has worked at several firms, including Fifth Avenue Financial and Securities of America. Outside of finance, he has experience with a floral business and has worked in the funeral home industry. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, and charitable organizations. The firm uses a range of advisory models, including third-party asset managers and proprietary programs, to serve both non-high-net-worth and high-net-worth clients.

Ryan Coakley is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been with Merrill since 2015 and has a total of 17 years of experience in the financial services industry. Ryan uses a goals-based wealth management approach, working with individuals, families, and businesses to create personalized financial strategies that align with their risk profiles and investment styles. He focuses on areas such as investment consulting for defined contribution plans, managing new wealth, personal retirement planning, portfolio management services, and retirement income strategies. Ryan began his career with Bank of America in 2005 and gained experience as a Financial Center Manager before joining Merrill Lynch Wealth Management. He holds Series 7 and 66 FINRA registrations, Life and Health Insurance Licenses with New York State, and obtained the Certified Plan Fiduciary Advisor (CPFA) designation in 2018. This designation allows him to provide Merrill's 401(k) platform to local businesses and non-profit organizations, helping clients achieve successful retirement outcomes while addressing fiduciary responsibilities. A lifelong resident of Orange County, Ryan holds an Associate's Degree from The College of Westchester and a High School Diploma from Newburgh Free Academy. He serves on the boards of the Orange County Chamber of Commerce, Greater Cornwall Chamber of Commerce, and Inspire Foundation. Ryan is also involved with organizations including the Cornwall Lions Club and the Food Bank of the Hudson Valley. In his personal time, he enjoys cooking, gardening, golfing, hiking, racquetball, tennis, watching movies, and spending time with his family.

James Fitzgerald is a financial advisor with Stifel in Goshen, NY, holding the Series 63 and Series 66 designations and bringing 10 years of industry experience. He previously worked at Wells Fargo Advisors, Hudson Valley Investment Advisors, Inc., and D.A. Davidson & Co. Fitzgerald maintains an active real estate license in New York. Stifel serves a diverse client base including individuals, institutional clients, and municipal entities, providing both brokerage and investment advisory services. The firm’s investment approach incorporates proprietary forward-looking capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Steven Campione is a Financial Advisor at Merrill Lynch Wealth Management. In this role, he works one-on-one with clients to define their financial goals and develop portfolio strategies tailored to help them achieve those goals. He provides ongoing advice and adapts client portfolios in response to changing circumstances. Steven's expertise spans a broad range of financial needs including college education planning, retirement income, family wealth management, liquidity management, small business strategies, tax minimization, and investment strategy for individuals and corporations. His approach emphasizes listening, building lasting relationships, and offering personalized guidance based on each client's unique situation. Prior to joining Merrill Lynch, Steven earned an MBA within the State University of New York system. He holds Bachelor's degrees from Salisbury University and the State University of New York system. His professional credentials include the Chartered Retirement Planning Counselor (CRPC) designation, Personal Investment Advisor (PIA), and he maintains Series 7 and 66 FINRA registrations. Steven has been involved with the Student Managed Investment Fund at SUNY New Paltz from 2022 to 2024. Outside of work, he spends time with his family and pursues interests such as football, golfing, music, and skiing.

Nicholas Tuck is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. His career includes previous roles at Securities America Advisors and National Planning Corporation. Outside of advisory services, he owns an insurance sales business and manages several related financial service entities. OSAIC Wealth serves a broad range of clients, including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services across multiple programs. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by various tools and strategies, and is notable for its scale and complex affiliate network.

Brian Dowery is a financial advisor with LPL Financial in Middletown, NY, holding Series 63 and Series 65 credentials and 26 years of industry experience. His previous roles include positions at HSBC Bank USA, HSBC Securities, M&T Securities, Harrisdirect LLC, and Citigroup Global Markets. Outside of his advisory work, he is a music instructor for the New York Board of Education and owns a cleaning services business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a broad range of advisory and brokerage services. The firm supports its advisors with diverse investment platforms and operational tools while overseeing more than $819 billion in discretionary assets.

James Gellman is a financial advisor at Fidelity with one year of industry experience. He holds a Series 66 designation and has prior experience at Equitable Advisors and Compass Group. His background also includes roles in education and tutoring. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and manages conflicts of interest through oversight and evaluation of sub-advisers and share classes.

Darrell Williams is a financial advisor with Primerica Advisors, holding a Series 63 designation and 25 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 1999 and 2000 respectively. Prior to his financial career, he spent over three decades with the NYC Department of Sanitation. Outside of advising, he is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed account options. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Susan Perry is a financial advisor with Cetera, holding a Series 63 designation and bringing 15 years of industry experience. She has worked at Cetera and its affiliate Cetera Wealth Services since 2013 and spent seven years with Baldino & Perry Associates, Inc. In addition to her advisory role, she provides debt counseling services to clients. Cetera Investment Advisers LLC is a large SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with access to affiliated and third-party managers across various program structures.

Brandon Parker is an advisor at LPL Financial in Chester, NY, holding a Series 66 designation with one year of industry experience. His prior roles include positions at Hudson Valley Credit Union and Orange Bank & Trust Company. Outside of finance, he has been involved with New York Elite Baseball since 2023. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to various model portfolios and institutional platforms.

Marva Britton is a financial advisor with Primerica Advisors, holding a Series 63 designation and bringing 29 years of industry experience. She has been with Primerica Advisors since 1996 and Primerica Financial Services since 1995. Outside of her advisory role, she owns Marbrit Corp., a non-investment-related business. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selectively managed account options under a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors.

Louis Algiere is a financial advisor at Equitable Advisors with two years of industry experience. He holds the Series 66 designation and has prior work experience in various roles including at Spectrum/Charter Communications and ESPN. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm utilizes a network of Investment Adviser Representatives and third-party asset managers to deliver a range of advisory programs covering mutual funds, ETFs, separately managed accounts, and select alternative investments.