Ashley Squillace is a financial advisor at Concurrent Investment Advisors, LLC with 11 years of industry experience. She holds a Series 66 designation and has worked previously at Compass Asset Management Group, LLC. Ashley also works part-time as a fixed insurance agent. Concurrent Investment Advisors is an SEC-registered, multi-team firm serving individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans. The firm offers wealth and investment management, financial planning, and retirement plan advisory services, using a customized, long-term investment approach that includes ETFs, mutual funds, and alternative investments.

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 Series 65 and Series 66 credentials. 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 clients. The firm uses a multi-provider model with discretionary and non-discretionary portfolio management, integrating services from KeyCorp affiliates and third-party managers.

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.

Mariam Adams is a financial advisor at &Partners with 11 years of industry experience. She holds the Series 66 designation and has previously worked at UBS Financial Services, Bank of America, and Merrill. She serves on the Board of Advisors for the Seeds of Africa Foundation, a charitable organization. &Partners serves a diverse client base including high-net-worth individuals, institutions, and charitable organizations. The firm offers comprehensive investment management and financial planning services utilizing a mix of analytical approaches and both proprietary and third-party strategies.

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.

Ardal Powell is a financial advisor with Eagle Strategies (NY Life) in Fishkill, NY, holding the ChFC® designation along with Series 65 and Series 63 licenses. He has nine years of industry experience and has worked with Eagle Strategies and related entities since 2016. Outside of advisory work, Powell is an officer of the Howland Chamber Music Circle, which presents a series of classical music concerts in Beacon, NY, and he maintains involvement in musical instrument manufacturing and scholarly writing. Eagle Strategies serves a diverse client base, including individual investors, institutional clients, and retirement plans, providing financial planning, investment management, and retirement-plan advisory services. The firm delivers advice through multiple program types and emphasizes tailoring recommendations to client objectives, managing most regulatory assets on a non-discretionary basis.

Phillip Stern is a financial advisor at Empower Advisory Group with 10 years of industry experience. He holds Series 66, Series 63, and Series 65 licenses. His prior experience includes roles at Bank of America, Merrill, Citigroup Global Markets, and David Lerner Associates. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage clients. The firm uses an integrated model linked to Empower’s recordkeeping and administrative platforms and emphasizes long-term portfolio returns and annual rebalancing in its planning services.

Nwan Joseph is a financial advisor with Key Investment Services LLC, holding a Series 66 designation and 15 years of industry experience. His career includes roles at KeyBank, Wells Fargo Clearing, Wells Fargo Bank, N.A., and Edward Jones. Key Investment Services LLC is an SEC-registered investment adviser that provides portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional plans through a network of financial professionals. The firm offers multiple wrap-fee programs and integrates services from KeyCorp affiliates, employing a multi-provider model with discretionary implementation and non-discretionary client selection of investment models.

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 and holds Series 63 and Series 65 credentials. He has 34 years of industry experience, including roles at Wells Fargo Clearing and as owner of Dutchess Harbour Wealth Management, LLC. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of nearly 2,900 advisors and managing approximately $213 billion in client assets. The firm provides a broad adviser-support platform with discretionary and nondiscretionary managed-account programs, access to third-party asset managers, and custody and clearing services.

Ilana Stern is a financial advisor with Eagle Strategies (NY Life) based in Newburgh, NY. She holds Series 66 and Series 63 licenses and has two years of industry experience. Prior to her work in financial advising, Stern spent 20 years at NBC Universal and maintains an ongoing role with J&C Home Renovations Inc. Eagle Strategies serves a diverse client base including individual investors, institutional clients, and retirement plans, offering financial planning, investment management, and advisory services. The firm emphasizes tailored recommendations and manages the majority of its assets on a non-discretionary basis through an integrated network affiliated with New York Life.

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 financial advisor at OSAIC with four years of industry experience and holds the Series 66 designation. His prior experience includes roles at Securities America Advisors and LPL Financial. In addition to his financial advising work, he has been associated with Russell Sage College and Comfort Inn since 2021. OSAIC serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering a mix of brokerage and advisory services. The firm’s investment approach focuses on model-based asset allocation and portfolio optimization, supported by various tools and a complex affiliate network.