Thomas Guarino

Provides insurance, pension and employee benefits services

Operates as a bank holding company whose subsidiary provides banking services

Commercial banking

Nationally chartered commercial bank

Functions as a College/University

Functions as a College/University

Hudson Valley Investment Advisors, Inc. seeks to value among financially strong companies, which possess the potential or have demonstrated the ability to be market leaders and grow earnings and shareholder value, within their respective industries. They do this by applying their disciplined investment process consistently throughout each market cycle. The firm's methodology begins with an economic forecast that determines the interest rate assumption and market valuations that their investment strategy will attempt to capitalize on. This directs them to where in the fixed-income and equity markets they can look to find value. Hudson Valley applies quantitative and quality screens to both the stock universe and bond universe to identify securities that have the characteristics and potential to outperform in the market climate they have forecasted. Then, fundamental analysis is performed to determine which securities, and at what price levels, buys and sells should occur. The result is a high-quality biased portfolio that is well diversified, applies modern portfolio theory, and positions itself to take advantage of and outperform an ever-changing market. Each client portfolio is constructed of assets that Hudson Valley's investment process determines will best contribute toward achieving those clients' goals.

Orange Investment Advisors employs a GARP investment approach on large-cap securities. The firm builds a diversified portfolio of individual securities mainly using equities, fixed income, and mutual funds. They undertake a top-down analysis or systematic approach to understand the current state of the economic environment.