Nicholas Koenig is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 66 and Series 63 designations. Prior to his current role, he worked at Cetera Investment Services and Foresters Financial Services. Outside of finance, Koenig is involved in a construction business, Around The House LLC, which he operates on weekends. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors by providing investment consulting and advisory services, combining quantitative asset-allocation modeling with centralized manager due diligence and an ESG eligibility framework in its investment recommendations.

Justin Pucci is a financial advisor with Raymond James & Associates in Goshen, NY, holding a Series 66 credential and two years of industry experience. His prior work includes roles at Grassi & Co., Wiss & Company, and Orange Bank & Trust. He also has experience working in education at Ramapo College of New Jersey and Goshen High School. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional and pension plans, charitable organizations, and government entities, offering financial planning and investment consulting through various advisory programs.

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.

Lance Mcginnis is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 21 years of industry experience. Prior to joining LPL Financial in 2023, he worked for Ameriprise Financial Services, Inc. for nine years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

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.

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.

Daniel Lofrese is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 48 years of industry experience. His prior work includes positions at Sterling Bank and Webster Bank. He is also involved in life insurance sales through SBLI USA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and brokerage services, including discretionary and non-discretionary management supported by proprietary research and third-party subadvisors.

Joseph Schaefer is a CFP® professional with 23 years of industry experience, currently advising at Edward Jones since 2013. He holds Series 63 and Series 66 licenses and is based in Warwick, NY. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of financial advisors and branch offices.

Cristian Biondi is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds the Series 66 designation and has worked with firms including Emerson Reid and Equitable Advisors. Outside of his advisory role, he is involved with Calvary Baptist Church in Warwick, NY, where he provides maintenance and housekeeping services and advises on facility upkeep. J.P. Morgan Securities LLC primarily serves institutional clients and retirement plan sponsors by offering investment consulting and advisory services through its Institutional Consulting Services program, which combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Steven Lombardo is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He has held roles at JPMorgan Chase Bank, N.A. since 2017 and has been with J.P. Morgan Securities since 2016. Outside of his advisory work, he owns and manages a rental property in Monroe, NY. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm uses a quantitative asset-allocation process combined with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Edward Kerrisk is a financial advisor with J.P. Morgan Securities in Monroe, NY, holding Series 66 and Series 63 credentials and two years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank in 2026, he worked at Equitable Advisors for three years. Outside of his advisory role, he has experience in retail sales, specifically golf sales at Dick's Sporting Goods. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

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.

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.

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.

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.

Jeffrey Orlouski is a financial advisor at LPL Financial with 27 years of industry experience. He holds the Series 63 and Series 65 designations. His prior work includes roles at National Securities Corp and Gladstone Wealth Partners. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm provides a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research from multiple sources.

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.