Ridgewood, NY 02 Forest Avenue Office

Mark Sanchioni is a financial advisor with OSAIC Institutions, Inc., holding a Series 66 credential and 23 years of industry experience. His prior roles include positions at Infinex Investments and Atlantic Union Bank. He also serves as Chief Banking Officer at Ridgewood Savings Bank. OSAIC Institutions, Inc. is an SEC-registered adviser that serves individuals, ERISA plans, trusts, estates, and corporate clients through a large network of investment adviser representatives. The firm offers customized advisory and financial planning services, emphasizing a hybrid adviser/broker-dealer structure with access to alternative investments and lending solutions.

Raju Punnoose is an investment advisor with OSAIC Institutions, Inc. He holds Series 63 and Series 65 licenses and has 27 years of industry experience. Since 2016, he has been associated with Infinex Investments, Inc. Punnoose also works as a financial consultant for Ridgewood Savings Bank. 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, and access to alternative investments, operating with a hybrid adviser/broker-dealer structure and a distinctive service and distribution model.

Albert Bergmann Sr. is a financial advisor with OSAIC Institutions, Inc. who holds Series 63 and Series 65 licenses and has 29 years of industry experience. He has served as a financial consultant and program manager at Ridgewood Savings Bank since 2016. 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, and access to alternative investments and lending solutions, operating with a hybrid adviser/broker-dealer model.

Michael Kushch is a financial advisor with OSAIC Institutions, Inc., holding Series 65 and Series 63 licenses and 20 years of industry experience. He has worked at Ridgewood Bank since 2020 and previously at HSBC Bank USA, N.A. from 2016 to 2020. OSAIC Institutions, Inc. is an SEC-registered investment adviser that serves individuals, retirement plans, trusts, estates, and corporate clients through a network of adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating under a hybrid adviser/broker-dealer model with a focus on both discretionary and non-discretionary assets.