Ridgewood, NY 02 Forest Avenue Office
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OSAIC Institutions, INC.
Enterprise
Firm-wide stats for OSAIC Institutions, INC.
About
Osaic Institutions, Inc. is an SEC‑registered investment adviser that serves individuals (including high‑net‑worth clients), ERISA retirement plans, trusts, estates and corporate clients through a network of investment adviser representatives who are often also registered as broker‑dealer representatives. The firm provides customized advisory services (discretionary and non‑discretionary), financial planning and consulting, ERISA plan services, wrap programs, third‑party asset manager referrals, and access to alternative investments and lending solutions.
Osaic’s model delegates investment analysis and account management to its IARs while providing firm supervision rather than centrally managing most accounts, and clients may elect discretionary authority or retain pre‑approval control over transactions. As disclosed in its brochure, the firm reported approximately $4.11 billion in discretionary assets and $2.39 billion in non‑discretionary assets as of December 31, 2025, and commonly operates through co‑advisory, promoter and third‑party manager arrangements and wrap programs.
What is distinctive about Osaic is its hybrid adviser/broker‑dealer structure — it is registered as both an SEC adviser and a FINRA member and maintains broker‑dealer registrations across all states — combined with a sizable non‑discretionary book, a lending marketplace (CapitalHub) and platform access to alternative investments (via CAIS). The firm’s use of independent third‑party promoters compensated on a percentage of advisory fees and its extensive affiliations with other Osaic entities (including TPAM and subadvisory relationships) create a service and distribution model that differs from many enterprise peers.
Based on OSAIC Institutions, INC.
Location
71 02 Forest Avenue
Ridgewood NY 11385
Advisors at this office
4
Advisors at this office
Mark S
Series 66
Ridgewood, NY
OSAIC Institutions, INC.
Mark Sanchioni is a financial advisor with OSAIC Institutions, Inc. He holds a Series 66 designation and has 24 years of industry experience. His career includes roles at Infinex Investments, Ridgewood Savings Bank, Atlantic Union Bank, LPL Financial, and other firms. He also serves as Chief Banking Officer at Ridgewood Savings Bank. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA plans, trusts, estates, and corporate clients. The firm provides customized advisory services, financial planning, and access to alternative investments through a hybrid adviser/broker-dealer model with significant non-discretionary assets and a lending marketplace.
Raju P
Series 63, Series 65
Ridgewood, NY
OSAIC Institutions, INC.
Raju Punnoose is a financial advisor at Osaic Institutions, Inc. with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Infinex Investments, Inc., J.P. Morgan Securities, Chase Investment Services Corp., Citigroup Global Markets, and Citicorp Investment Services. He is also active as a financial consultant with Ridgewood Savings Bank. Osaic Institutions, Inc. serves 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 with extensive affiliations across its enterprise.
Albert B
Series 63, Series 65
Ridgewood, NY
OSAIC Institutions, INC.
Albert Bergmann Sr. is a financial advisor at Osaic Institutions, Inc. with 29 years of industry experience. He holds Series 63 and 65 licenses and has previously worked at firms including Ridgewood Savings Bank, Infinex Investments, Inc., and Essex National Securities, LLC. He is also a producing manager and financial consultant at Ridgewood Savings Bank. Osaic Institutions, Inc. is an SEC-registered investment adviser serving individuals, retirement plans, trusts, estates, and corporate clients through a network of adviser representatives. The firm offers customized advisory services, financial planning, and access to alternative investments, operating a hybrid adviser/broker-dealer model with both discretionary and non-discretionary account management.
Michael K
Series 65, Series 63
Ridgewood, NY
OSAIC Institutions, INC.
Michael Kushch is a financial advisor with OSAIC Institutions, Inc., holding Series 65 and Series 63 licenses and bringing 21 years of industry experience. His prior roles include positions at Ridgewood Bank and Infinex Investments, as well as HSBC Bank USA and HSBC Securities. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA plans, trusts, estates, and corporate clients by offering customized advisory services, financial planning, and access to alternative investments. The firm operates a hybrid adviser/broker-dealer model that combines firm supervision with delegated investment management by its representatives.
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