Noel Spencer is a financial advisor with Cetera Wealth Services, LLC, holding a Series 63 designation and over 30 years of industry experience. His prior experience includes long tenures at Avantax Advisory Services and AXA, among others. Outside of advising, he serves as president of Spencer’s of Jamaica, Inc., a tax preparation and accounting business, and participates as a Eucharistic Minister at his local Episcopal church. Cetera Investment Advisers LLC is a large SEC-registered advisor serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party managers.

Thomas Mc Gimpsey Jr. is a financial advisor at Merrill with 13 years of industry experience. He holds Series 63, 65, and 66 licenses and has worked at Hudson Valley Investment Advisors, Inc. before joining Merrill and Bank of America, N.A. Mc Gimpsey serves as a board member of the Garnet Health Foundation and is part of the 2024 Executive Walk Committee for the Alzheimer's Disease and Related Disorders Association, assisting with fundraising efforts. Merrill and its affiliate Managed Account Advisors LLC provide managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Bette Ellen Weiss is a financial advisor with Ameriprise in Goshen, NY, holding Series 63 and Series 65 licenses and 17 years of industry experience. She previously worked at Bruderman Brothers LLC and Bruderman Asset Management, LLC for six years. Weiss is involved with the Mary Nagle Charitable Foundation Trust, where she assists community members in need and supports a student scholarship program. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement income planning based on tax-aware withdrawal strategies and dependable income sources.

John Siciliano Jr. is a financial advisor at LPL Financial with Series 63 and Series 66 credentials and 45 years of industry experience. He previously worked for Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. for 10 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management strategies supported by internal and third-party research.

Robert Coffey is a financial advisor at Ameriprise with 27 years of industry experience. He has worked with Ameriprise and its affiliated entities since 2005. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning and tax-aware withdrawal strategies. The firm employs a centralized team to produce detailed recommendation reports that integrate investment research and third-party data, with distinct enrollment criteria based on investable assets and a managed account inclusion requirement.

Shawn Behrent is a financial advisor at Equitable Advisors with two years of industry experience. He holds a Series 66 designation and has prior experience working at the Orange County Department of Finance and the University at Albany. Outside of finance, he has operated Behrent's Performance Warehouse for eight years. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by offering financial planning, retirement plan consulting, and various asset-management programs. The firm delivers its services through a network of Investment Adviser Representatives and utilizes third-party asset managers and advisory programs.

James Pucci is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 57 years of industry experience. He has been with Raymond James & Associates since 2014. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and charitable organizations, providing financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Darren Mccarthy is a financial advisor with OSAIC who holds a Series 66 designation and has 11 years of industry experience. He previously worked at Securities America Advisors and National Planning Corporation. Outside of his advisory role, he owns Learning Ears, a reading program for parents of children with learning challenges, and provides marketing consulting services for property and casualty businesses. OSAIC serves a diverse group of retail and institutional clients through a large network of affiliated advisers and offers a range of integrated brokerage and advisory services, including financial planning, retirement consulting, and access to third-party money managers. The firm utilizes asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct portfolios across various asset classes, managing accounts on discretionary or non-discretionary bases.

Peter Vanetten is a financial advisor with Primerica Advisors, holding a Series 63 credential and 22 years of industry experience. His prior work includes 12 years at HeritageEnergy and over two decades with PFS Investments Inc. In addition to investment services, he is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily for individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm operates at a large scale with nearly 3,700 advisors and offers model-based investment strategies supported by third-party managers and custodians.

Diane Lindsay is a financial advisor at Osaic with 40 years of industry experience. She holds a Series 63 designation and has worked previously at Cadaret, Grant & Co., Inc. for over three decades and Securities America Advisors. In addition to her advisory role, she is a licensed CPA providing tax preparation and consulting services and is involved in marketing and training activities as well as disability and fixed annuity insurance sales. Osaic Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers. The firm uses a variety of tools and platforms to construct and manage diversified portfolios tailored to client risk tolerance and investment restrictions.

Paul Delnegro is a financial advisor with Cetera, holding a Series 63 designation and bringing 35 years of industry experience. He has worked with Avantax Advisory Services, Avantax Investment Services, and has operated his own firm, Del Negro Associates, Inc., since 2000. Outside of advising, he is president of D & D Consulting, a tax preparation and accounting business. Cetera Investment Advisers LLC serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a large nationwide network of independent advisors. The firm offers a range of portfolio management and consulting services and operates a multi-manager platform with access to affiliated and third-party managers.

Scott Morrow is a CFP® with 24 years of industry experience, currently affiliated with LPL Financial since 2007. He operates in Beacon, NY, and has involvement with Hudson Valley Federal Credit Union, including offering Medicare-related insurance plans and wealth management services through the credit union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm provides a range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management approaches supported by LPL Research and third-party subadvisors.

Rachel Hendricks is a financial advisor with Primerica Advisors based in Goshen, NY, holding Series 63 and Series 65 credentials and 16 years of industry experience. Her prior roles include positions with Pocono Mountains Economic Development Corporation and Milford Township. Outside of advisory work, she is involved in sales of home security, automation products, and loan products through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm employs model-delivery investment strategies managed by unaffiliated managers and supports execution and custody through Pershing and BNY Mellon Advisors.

Robert Howerter is a financial advisor with OSAIC, holding Series 63 and Series 66 designations and bringing 34 years of industry experience. His prior firms include Securities America Advisors and National Planning Corporation. Outside of advising, he is involved in several business ventures, including ownership of Gaynor Mansion Associates LLC and roles in marketing and tax-related businesses. OSAIC serves a diverse client base including individual and institutional investors through a broad network of affiliated advisers and multiple advisory platforms. The firm integrates brokerage and investment advisory services with financial planning and retirement consulting, utilizing various asset-allocation tools and third-party solutions to manage portfolios on both discretionary and non-discretionary bases.

Mary Martin is a financial advisor with Primerica Advisors in Goshen, NY, holding a Series 63 designation and 12 years of industry experience. Her background includes prior work at Warner Construction Inc. She is also self-employed as a bookkeeper for Cedar Lakes Estate LLC and operates an accounting and tax service, As You Wish Accounting and Tax Service. Primerica Advisors sponsors a wrap-fee asset management program serving 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 through a network of about 3,987 advisors using model-based investment strategies and discretionary management options.

Gregory Lutfy is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has worked since 2013. He has been in the financial services industry for 29 years. He focuses on wealth management and retirement planning, working closely with clients to build, preserve, and transition wealth through personalized financial strategies. Greg's approach centers on risk analysis and tailored financial plans based on client goals and timelines, addressing key needs of wealthy individuals and families. His client focus areas include managing new wealth, portfolio management services, sports and entertainment, and retirement income. He holds the Personal Investment Advisor (PIA) designation. Greg resides in Milford, Pennsylvania with his wife Patricia and their three children. His personal interests include fishing, golfing, hiking, and scuba diving. He completed his high school education through the Pennsylvania State System of Higher Education.

Anthony Hoey is a financial advisor at Merrill with a Series 66 credential and five years of experience. He previously worked at Instacart and Bank of America, N.A. Outside of his advisory role, he is employed at Hannaford Bros, where he works in stock and produce department duties. 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 investment strategies to a broad client base, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kevin Regan is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been with Merrill Lynch since 2011 and joined the team in 2013. Kevin works with clients to assist with investment and administrative needs, helping them pursue their retirement goals and build strong client relationships. Kevin's professional background includes experience in biodefense research before transitioning to financial services in 2009. His expertise encompasses areas such as college education planning, corporate retirement plan services, divorce transition planning, family wealth management strategies, services for endowments, foundations, and non-profits, managing new wealth, personal retirement planning, socially responsible investing, and retirement income. He holds the Personal Investment Advisor (PIA) designation. Kevin graduated from the State University of New York at Albany with a bachelor's degree in computer science and molecular biology, with a minor in finance. He is currently completing an MBA with a concentration in finance. Outside of his professional work, Kevin has interests in adventure sports, baseball, boxing, football, golfing, skydiving, and spending time with his family.

Karla Galazzo is a financial advisor with Primerica Advisors, holding a Series 63 designation and 19 years of industry experience. She has been with Primerica since 2007 and has previous work experience at Orange County Partnership and Princeton Upholstery. In addition to her advisory role, she is involved in sales of investment-related products and referrals for home security and automation services through affiliated companies. Primerica Advisors is a large institutional firm managing a wrap-fee asset management program primarily for individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-based strategies managed by unaffiliated asset managers and provides advisory services through a nationwide network of advisors.

Patrick Ferrigno is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at OSAIC since 2023. His prior experience includes roles at FSC Securities Corp and SII Investments, Inc., as well as operating Ferrigno Financial Services since 1992. OSAIC serves a wide range of retail and institutional clients through its network of affiliated advisers and advisory platforms, offering integrated brokerage, investment advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct portfolios and supports both discretionary and non-discretionary account management.