Lori Coombs is a financial advisor with Cetera, holding a Series 63 designation and 27 years of industry experience. She has worked at Cetera and its affiliate Cetera Investment Services LLC since 2013. Cetera Investment Advisers LLC is an SEC-registered firm that serves a wide range of clients including individuals, retirement plans, corporate and charitable accounts, and institutions. The firm offers diverse portfolio management options and financial planning services through a large network of independent advisors, managing over $256 billion in assets.

Andrew Jones is a Series 66-licensed financial advisor at Merrill with four years of industry experience. His work history includes roles at Bank of America, Merrill, One Main Financial, TD Bank, and Nike. Merrill, along with its affiliate Managed Account Advisors LLC (MAA), provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions (SPS) Program, offering a range of model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Raymond Abreu is a financial advisor at LPL Financial in Poughkeepsie, NY, holding a Series 66 designation with three years of industry experience. Prior to joining LPL Financial in 2022, he worked at Hudson Valley Credit Union and Advance Auto Parts. He also has experience in education, having worked at Dover Middle/High School. 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, retirement consulting, and brokerage services with discretionary and non-discretionary management options supported by LPL Research and third-party subadvisors.

Jack Cupelli is a financial advisor with LPL Financial, holding a Series 63 designation and over 36 years of industry experience. He has worked at LPL Financial since 2025 and previously spent 11 years at Cadaret, Grant & Co., Inc. He is also associated with Cornerstone Financial, where he has been involved since 1990. 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 financial planning, advisory programs, retirement consulting, and brokerage services, utilizing model portfolios, research, and portfolio management tools.

Mary Winters is a financial advisor at Merrill with 34 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill since 1986. Outside of her advisory role, she owns a rental property in Florida. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Francis Venezia is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 44 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and previously at Citigroup Global Markets starting in 1993. Outside of his advisory role, he is involved with Good Shepherd Church in Rhinebeck, New York. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, emphasizing structured financial planning supported by firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services that cover both direct and employer-sponsored financial planning arrangements.

Shawn Shaughnessy is a financial advisor with Cetera who holds a Series 63 designation and has 13 years of industry experience. He has worked with Cetera since 2013 and is also involved with Wealth Planning Services Inc and ACME Accountants and Advisors Inc, focusing on tax, accounting, and payroll services. Additionally, he serves as treasurer for the Highland Rotary Club, a local service organization. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform, combining affiliated and third-party managers with multiple program options.

Richard Decker is a financial advisor at LPL Financial with 24 years of industry experience. He holds the Series 63 and Series 65 designations and previously worked at Key Investment Services LLC for seven years. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a network of investment adviser representatives. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

Omar Carnecchia is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2012. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with additional market-facing registrations, delivering services on a non-discretionary basis while clients retain final decision-making.

Aaron Verdile is a Certified Financial Planner® with 13 years of industry experience, currently affiliated with LPL Financial. He previously worked at Cadaret, Grant & Co., Inc. and Pruco Securities LLC, and has been the owner of EXT Productions, LLC since 2001. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives, offering a range of financial planning, advisory programs, and retirement plan consulting services.

Dawn Mcmenamin is a financial advisor with Primerica Advisors in Poughkeepsie, NY, holding a Series 63 designation and 26 years of industry experience. She has been with Primerica Advisors since 2000 and Primerica Financial Services since 1999. In addition to her advisory role, she 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, offering model-delivery strategies and discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm uses third-party asset managers and custodians such as BNY Mellon Advisors and Pershing to implement its investment models.

Kirk Maraglia is a financial advisor at LPL Financial with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Bank of America, Merrill, and HSBC Securities. 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, retirement consulting, and brokerage services with access to model portfolios, third-party research, and both discretionary and non-discretionary management options.

Andrew Donovan is a CFP® professional with 35 years of industry experience, currently affiliated with LPL Financial. He has worked at Linsco/Private Ledger Corp. since 2001. Donovan serves as a FINRA arbitrator in dispute resolution, dedicating 10% of his time to this role. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing discretionary and non-discretionary management alongside research and model portfolios.

Robert Terry is a financial advisor with Equitable Advisors in Poughkeepsie, NY, holding a Series 65 designation and 47 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked at Axa Advisors, LLC. Outside of his advisory role, he has served as a basketball and football game referee since 1976. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, providing both advisory and brokerage/insurance channels to implement client recommendations.

Justin Semke is a financial advisor with Ameriprise in Pleasant Valley, NY, holding a Series 66 designation and 11 years of industry experience. He has been with Ameriprise and its affiliated entities since 2013. Outside of his advisory role, Semke serves on the Board of Directors for LaGrange Sunrise Rotary, where he is Immediate Past-President, and holds leadership roles with the Hudson Valley Young Professionals committee and the Dutchess County Regional Chamber of Commerce. Ameriprise is a large institutional firm offering retirement-income planning services primarily to individuals with significant investable assets. The firm provides a range of advisory, brokerage, and insurance solutions, employing a structured, research-driven approach to retirement income planning that includes algorithmic automation and tax-efficiency analysis.

Gregory Ashe is a financial advisor with Primerica Advisors in Poughkeepsie, NY, holding Series 63 and Series 65 licenses and 16 years of industry experience. He has been with Primerica Advisors since 2010 and has worked in Primerica Financial Services since 1999. Outside of advising, he is involved in sales of loan products and home security and automation services through affiliates of Primerica. 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 entities. The firm operates at scale with nearly 3,700 advisors and offers model-driven investment strategies managed by third-party asset managers.

Craig Irwin is a Senior Financial Advisor at Merrill Lynch Wealth Management, specializing in a range of client focus areas including family wealth management strategies, services for endowments, foundations, and non-profits, legacy planning, liquidity management, personal retirement planning, portfolio management services, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. He holds the Chartered Retirement Planning Counselor (CRPC) designation and the Personal Investment Advisor (PIA) designation. Craig began his career at Merrill Lynch Wealth Management in 2008 following his graduation from The University of Arizona with a Bachelor of Science degree in Economics and Management. He also holds a high school diploma from Avon Old Farms School. His expertise encompasses a broad spectrum of financial advisory services, tailored to meet the needs of diverse client profiles. Residing in Poughkeepsie, NY, Craig lives with his wife Amy and their two daughters, Bess and Annie. He maintains active involvement in his local community, serving on the boards of directors for The Foundation for Vassar Brothers Medical Center and Miles of Hope Breast Cancer Foundation. Outside of his professional and community commitments, Craig enjoys antiquing, boating, fishing, golfing, hiking, ice hockey, interior decorating, reading, running, and spending time with his family.

Alexandra Lasky is a financial advisor at LPL Financial with one year of industry experience. She holds the Series 66 designation and has previously worked at Globex International Group and Hudson Valley Credit Union. Alexandra also has experience with Younglife and has been involved in wealth management through a credit union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, supported by model portfolios, research, and various investment management options.

Kenneth Mc Cormick is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 18 years of industry experience. He has worked with firms including LPL Financial and Ulster Savings Bank. He also serves as trustee of the Cathleen A. McCormick Irrevocable Trust. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services, featuring multiple program structures and access to third-party money managers.

Tyler Bates is a financial advisor at Ameriprise in Rhinebeck, NY, holding a Series 66 designation with five years of industry experience. He has been with Ameriprise since 2018 and serves on the Board of Directors for CPCA. Ameriprise provides retirement-income planning services primarily for clients with at least $1 million in net investable assets, combining research and modeling with personalized recommendations focused on income sources, Social Security options, and tax-efficient withdrawal strategies.