Ziad Wehbe is a financial advisor at Balfour Capital Management with 12 years of industry experience. He holds a Series 66 designation and has worked at Balfour Capital since 2017, with prior experience at Royal Alliance and Principal Life Insurance Company. Balfour Capital Management serves individuals, high-net-worth clients, trusts, estates, corporations, and business owners by providing financial planning and investment management services. The firm focuses on long-term portfolio construction using diversified mutual funds and ETFs, supplemented by REITs, equities, bonds, and options, and offers business consulting services including retirement plan review and succession planning.

Alan Resnick is a financial advisor at Janal Capital Management LLC with 22 years of experience at the firm. He holds a Series 65 designation and is based in Rochester, NY. Resnick's background includes prior corporate treasury and retirement-plan investment committee experience. Janal Capital Management provides asset allocation advice and discretionary investment management primarily to individual and trust clients, using no-load index mutual funds, ETFs, and select individual equities. The firm employs an in-house financial model to tailor portfolios and conducts monthly reviews and rebalancing as needed.

At About Time, we believe that everyone deserves financial empowerment. We give people an affirming space to talk about money and the support they need to make empowered money decisions so they can reach financial freedom and live their fullest lives. I love helping independent, high-earning folks think through what’s best for your life and family – decoding our needlessly complex financial system into something you can actually understand. I am: --Flat Fee, Fee-Only: Transparent pricing with no commissions, no asset minimums. Fiduciary. --Values-Aligned & Impact Driven: We can help you explore socially conscious financial decisions that reflect your values and goals - including sustainable (SRI, ESG) and community impact investing, and values-aligned spending and giving. --Built for You: Everything we do is designed around the unique planning needs of physician families, small business owners, and LGBTQ+ couples - savvy tax-saving strategies, exploring a career pivot, student loan repayment options, self-employed retirement & insurance, budgeting for fertility costs and childcare, protecting your family, home buying vs. renting and more. --Relatable & Affirming: I focus on working with women, gender-expansive folk, and families like yours so I can share the collective wisdom gathered from all of us. I welcome you to bring your whole self. I will meet you where you are and provide financial clarity and peace of mind. --Clear & Efficient: I'll explain your financial options in jargon-free terms, encourage questions, and help you make informed, empowered decisions about your financial future. I'll take as much off your plate as possible and simplify the rest so you can spend time living your fullest life. Diversity, Equity, Inclusion and Justice Commitment: We foster a just and inclusive culture with a safe and affirming environment for all people. We welcome clients of all backgrounds, respect intersectional identities and use our privilege to amplify underrepresented voices and challenge inequitable systems. We acknowledge that racism and patriarchy have shaped the American financial system and strive to change the status quo through intentional action. We seek accountability for our actions and embrace mistakes as opportunities for repair and growth. We recognize that doing this important work is a continuous effort that we commit to pursue.

Patrick Cicchetti is the principal of Ryse Capital Management and holds Series 63 and Series 66 licenses. He has four years of industry experience and is also co-owner of a moving company, where he manages business and marketing strategies. Additionally, he works as a consultant providing business planning and organizational efficiency coaching. Ryse Capital Management is a fee-only registered investment adviser serving individuals, high-net-worth clients, and business owners with wealth management, discretionary investment management, and financial planning services. The firm’s investment approach combines passive and active strategies based on modern portfolio theory and tailors portfolios to clients’ objectives and risk tolerance, typically managing accounts on a discretionary basis.

Roger Ramsay is a financial advisor at SAR Services, Inc. in Rochester, NY, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 33 years of industry experience, including a long tenure at Compensation Planning Corp of Rochester, Inc. prior to joining SAR Services in 2015. SAR Services, Inc. provides investment management and retirement consulting primarily to ERISA-qualified retirement plans, employer-sponsored SIMPLE and SEP plans, and individual retirement accounts. The firm employs a long-term, buy-and-hold strategy using low-cost institutional mutual funds across risk-based portfolios, with a quantitative approach to fund selection and monitoring.

Diana Apostolova is a financial advisor at Rochester Investments with 12 years of industry experience. She holds a Series 66 designation and previously worked at Cadaret, Grant & Co., Inc. and Axa Advisors, LLC. Outside of her advisory role, she provides income tax return and payroll services. Rochester Investments serves individual investors, trusts, estates, retirement plan sponsors, corporations, charities, and foundations by offering discretionary portfolio management, financial planning, and corporate retirement plan consulting. The firm combines top-down macroeconomic asset allocation with bottom-up security analysis across various asset classes and integrates tax and payroll services alongside its investment offerings.

Joshua Barrett is a financial advisor at Barrett Wealth Management in Rochester, NY, holding Series 63 and Series 66 licenses with seven years of industry experience. He has been associated with Barrett Capital Management, Inc. since 2003. Barrett Wealth Management offers discretionary and non-discretionary portfolio management and goals-based financial planning to individuals, high-net-worth clients, trusts, estates, and institutional clients such as charitable organizations and pension or profit-sharing plans. The firm employs a long-term, value-oriented investment approach focused on minimizing expenses and typically operates under written discretionary authority with regular account reviews.

Elizabeth Barrett is a Certified Financial Planner® with four years of industry experience, currently serving as the sole advisor at Highroad Wealth Advisers, LLC in Rochester, NY. She has prior experience at Armbruster Capital Management, Inc. and has worked extensively with Apex Wealth Advisers LLC. Highroad Wealth Advisers provides ongoing portfolio management and retirement-rollover advice to individual and high-net-worth clients, implementing client-specific plans with both long- and short-term trading strategies. The firm manages assets directly across a range of investment types and maintains a small client roster with personalized account oversight.

Alex Zazubec is a financial advisor at Highland Wealth Advisory LLC in Rochester, NY, holding Series 63 and Series 66 licenses with four years of industry experience. He has been with Highland Wealth Advisory since 2010. Highland Wealth Advisory provides portfolio management and financial planning services to individuals, high-net-worth clients, pension and profit-sharing plans, and foundations or charities. The firm employs a range of analytical techniques and trading strategies, including options writing, and manages a notable level of employer retirement plan assets.

David Peartree is a CFP® and holds a Series 66 license with four years of industry experience. He is the owner of Peartree Advisory in Rochester, NY, and has prior experience at Brighton Securities Corp, Brighton Securities Capital Management, Inc., and Worth Considering, Inc. Peartree holds a juris doctor and has experience as a portfolio manager and as the founder of a previous registered advisory firm. Peartree Advisory provides personal financial planning to individual clients, focusing on risk analysis, asset allocation, investment selection, and retirement distribution planning. The firm uses an asset-allocation approach based on clients’ goals, risk tolerance, spending needs, tax considerations, and investment experience, and operates on a fee-only basis without managing client assets or offering discretionary investment services.

William Schmerbeck is the sole advisor at WGS Management Services, Inc. in Rochester, NY. He holds a Series 65 designation and has four years of industry experience. He has been with WGS Management Services since 2014 and also works with the public accounting firm Ward, Schmerbeck, & Billig, P.C., which he has been affiliated with since 1996. WGS Management Services provides supervisory portfolio management and financial planning to individuals, trusts, estates, and closely held businesses on a discretionary basis. The firm employs fundamental analysis through top-down and bottom-up approaches to create customized portfolios primarily consisting of publicly traded equities, bonds, and mutual funds, with regular monitoring and reporting.

Karl Khuns is a Series 66-licensed financial advisor with Engleson & Associates, based in Rochester, NY, and has 18 years of industry experience. His prior roles include positions at Boyd Capital Management LLC, LPL Financial LLC, ESL Investment Services, LLC, and Lord Abbett. Outside of his advisory work, he is the owner of a real estate rental property listed on Airbnb. Engleson & Associates manages approximately $102 million for around 365 clients, including individuals, charitable organizations, and businesses, providing personalized portfolio management and consulting services that incorporate a range of securities and both long- and short-term trading strategies.

Bryce Carey is a CFP® with 16 years of industry experience, currently serving at NorthLanding Financial Partners, LLC and Mutual Securities, Inc. He has worked previously at Wall Street Financial Group, Inc. and High Falls Advisors. In addition to his advisory roles, he operates as an independent insurance agent focusing on fixed annuities. NorthLanding Financial Partners primarily serves high-net-worth individuals, trusts, estates, charitable organizations, and business entities. The firm offers financial planning through its Financial Clarity Advantage process, discretionary investment management, and advice on variable annuities and assets outside primary custodians, utilizing a mix of fundamental, cyclical, and behavioral finance analysis to tailor portfolios.

Devon Nolan is a financial advisor at Boyd Capital with 19 years of industry experience. He holds a Series 66 designation and previously worked at Esl Investment Services LLC and LPL Financial LLC for 13 years. Nolan is also involved in providing non-variable insurance products through KAFL Insurance Resources. Boyd Capital Management LLC offers discretionary and non-discretionary portfolio management and financial planning services to individuals, high-net-worth clients, pension and profit-sharing plans, and charitable organizations. The firm employs a range of investment strategies, including technical and quantitative analysis, and manages approximately $124 million in client assets across over 500 accounts.

Mark Wyand is a CFA® charterholder with 16 years of industry experience. He is affiliated with Layline Advisors in Rochester, NY, and previously worked at Ameriprise Financial Services Inc. from 2011 to 2016. Layline Advisors serves individual and high-net-worth clients as well as pension and profit-sharing plans, providing continuous portfolio management, financial planning, and retirement plan consulting. The firm primarily employs passive investment strategies with quarterly account reviews and offers a wrap fee program that integrates trade execution into a single advisory fee.

Robert Brown is a financial advisor at Core Alpha, Inc. with 30 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Nationwide Securities, Inc. and Nationwide Financial Network prior to joining Core Alpha in 2019. Brown is also a licensed insurance agent. Core Alpha, Inc. provides investment advisory and financial planning services to individuals, trusts, and small businesses, focusing primarily on retail individual investors. The firm employs dynamic asset allocation across multiple portfolios using a range of investment vehicles and outsources management and trading to various platforms and independent managers.

Matthew Lechner is a financial advisor at Layline Advisors in Rochester, NY, with seven years of industry experience. He holds a Series 63 designation and has worked at Pruco Securities, LLC since 2018. Layline Advisors serves individual and high-net-worth clients, as well as pension and profit-sharing plans, providing continuous portfolio management, comprehensive financial planning, and retirement plan consulting. The firm primarily uses passive investment management with index mutual funds and ETFs, supplemented by fundamental and technical analysis, and offers a wrap fee program for discretionary accounts.

Scott Zollo is a CFA® charterholder with 34 years of industry experience. He has been with Core Alpha, Inc. since 2000 and has longstanding affiliations with Mutual Funds Associates Inc. and Accu-Vest Planning, Inc. since 1991. Zollo is also associated with the Rochester Institute of Technology. Core Alpha, Inc. provides investment advisory and financial planning services to individuals, trusts, and small businesses, primarily serving retail investors with program minimums as low as $2,000. The firm employs dynamic tactical asset allocation across multiple labeled strategies and utilizes a broad range of investment instruments and outsourced platforms.

Salvatore Paternico is a CFP® and ChFC® with 11 years of industry experience. He is currently with W & S Management Services, Inc., where he has worked since 2021. Prior to that, he held roles at ESL Investment Services LLC, LPL Financial LLC, and ESL Federal Credit Union. W & S Management Services serves individual investors, high-net-worth individuals, trusts, estates, and closely held businesses with discretionary portfolio management and comprehensive financial planning. The firm emphasizes fundamental analysis and long-term portfolio management, and is closely affiliated with a Certified Public Accounting practice to provide coordinated tax and financial planning support.

Roger Weller is a financial advisor at JR Snell Capital Management, LLC, with 12 years of industry experience. He holds Series 63 and Series 65 registrations and has worked concurrently as an independent contractor for United Healthcare in a sales capacity since 2015. Weller is based in Holley, NY. JR Snell Capital Management, LLC provides discretionary investment management primarily to high-net-worth individuals, trusts, pension and profit-sharing plans, estates, and charitable organizations. The firm employs proprietary model portfolios and a tactical asset allocation process, combining technical and fundamental analysis, while offering financial coaching and online planning tools.