Karl Khuns is a financial advisor at Stone Oak Capital LLC in Rochester, NY, with 18 years of industry experience. He holds the Series 66 designation and previously worked at Lord Abbett, ESL Investment Services, Boyd Capital, and Engleson and Associates. Stone Oak Capital LLC provides portfolio management and financial planning primarily to individual and high-net-worth clients, offering tailored investment policy statements and discretionary management across a broad range of investment types. The firm’s investment process integrates fundamental analysis, modern portfolio theory, and technical analysis to create client-specific portfolios and employs both long- and short-term trading strategies.

Patrick Cicchetti is a financial advisor at Ryse Capital Management with five years of industry experience. He holds Series 63 and Series 66 designations. Outside of his advisory role, he is a co-owner of a moving company where he manages business and marketing strategies. Ryse Capital Management is a fee-only registered investment adviser serving individuals, high-net-worth clients, and business owners. The firm offers wealth management, discretionary investment management, and financial planning with an investment process that combines passive and active strategies grounded in modern portfolio theory.

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.

William Schmerbeck is the sole advisor at WGS Management Services, Inc, holding a Series 65 credential with five years of industry experience. He has managed his independent advisory firm since 2014 and has also been associated with Ward, Schmerbeck, & Billig, P.C. since 1996. WGS Management Services, Inc is an SEC-registered independent advisory firm with approximately $41.6 million in discretionary assets and serves individuals, high-net-worth clients, corporations, and charitable organizations. The firm employs a fundamental analysis approach with a long-term trading orientation, utilizing diversified portfolios constructed from mutual funds, equities, ETFs, fixed income, REITs, and Treasury inflation-protected securities aligned to each client's Investment Policy Statement.

Robert Brown Jr. is a financial advisor at Core Alpha, Inc. in Rochester, NY, with 31 years of industry experience. He holds Series 63 and Series 65 designations. His prior experience includes roles at Nationwide Securities, Inc., Nationwide Financial Network, and ACCU-Vest Planning. Core Alpha provides investment advisory and financial planning services to individuals, trusts, and small businesses, primarily serving non-high-net-worth clients. The firm employs a dynamic asset-allocation approach across a variety of portfolio solutions and utilizes multiple outsourced platforms for implementation and account management.

Scott Zollo is a CFA® charterholder with 34 years of industry experience. He is affiliated with Core Alpha, Inc., where he has worked since 2000, and has also been associated with Mutual Funds Associates Inc. and Accu-Vest Planning, Inc. for over three decades. Core Alpha provides investment advisory and financial planning services primarily to individuals, trusts, and small businesses. The firm employs a dynamic asset-allocation approach using a variety of investment vehicles and relies on multiple outsourced platforms for portfolio implementation and management.

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.

Brian Ward is a Series 65-licensed advisor with W & S Management Services, Inc. in Rochester, NY, bringing 12 years of industry experience. He has been vice president at Ward & Schmerbeck, P.C., a Certified Public Accounting firm, since 1995, where he performs tax accounting work alongside his advisory role. 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 integrates fundamental analysis with accounting expertise through its affiliation with Ward & Schmerbeck, offering coordinated tax and financial planning for clients.

Sean Collins is a financial advisor with Core Alpha, Inc. in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He owns and operates S.P. Collins & Company, which offers tax preparation services, and also runs the retail website American Emart. Core Alpha, Inc. provides investment advisory and financial planning services primarily to individuals, trusts, and small businesses, utilizing a dynamic asset-allocation approach across a variety of portfolio programs and investment instruments. The firm’s model incorporates multiple outsourced platforms and a combination of broker-dealer, insurance, and tax preparation affiliations.

Benjamin Chappell is a financial advisor at Horizon Financial with a Series 65 designation and four years of industry experience. He has worked at Horizon Advisory Services, Inc. since 2021 and was previously employed at Haley & Aldrich, Inc. for ten years. Horizon Financial is an SEC-registered advisory firm serving individuals and families, including high-net-worth clients, through discretionary portfolio management, trust and retirement account services, and integrated financial planning. The firm manages approximately $510 million in assets across a nine-advisor team and employs a model-driven investment approach overseen by an internal investment team and Investment Policy Committee.

Jonathan Blazick is a financial advisor at Horizon Financial with eight years of industry experience. He holds a Series 65 designation and has held positions at Securities America Advisors, SSN Advisory, and Mark Congdon, CFS Inc., as well as prior employment at Kellogg's. Horizon Financial is an SEC-registered advisory firm serving individuals and families, including high-net-worth clients, through discretionary portfolio management, trust and retirement account services, and integrated financial planning. The firm manages approximately $510 million in assets across a nine-advisor team and employs a model-driven investment process focused on diversified, long-term asset allocation.

Mark Congdon is a financial advisor with Horizon Financial, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He has worked with several firms, including Private Client Services, Securities America, Inc., and Securities Services Network, and has been involved with Horizon Advisory Services and The Horizon Group since 1993. Congdon also participates in the Putnam Investments Advisory Council, a forum for advisors to provide feedback on investment offerings and industry developments. Horizon Financial is an SEC-registered advisory firm serving individuals and families, including high-net-worth clients, through discretionary portfolio management, trust and retirement account services, and integrated financial planning. The firm employs a model-driven investment process overseen by an internal team and Investment Policy Committee, focusing on diversified, long-term asset allocation primarily implemented with mutual funds, ETFs, and individual securities.

Donald Kwarta is a financial advisor at Horizon Financial with nine years of industry experience. He holds a Series 65 designation and has worked at Horizon Advisory Services, Inc., SSN Advisory Inc, and Mark A Congdon, among others. Horizon Financial is an SEC-registered advisory firm serving individuals and families, including high-net-worth clients, through discretionary portfolio management, trust and retirement account services, and integrated financial planning. The firm employs a model-driven investment approach overseen by an internal team and an Investment Policy Committee, focusing on diversified, long-term asset allocation primarily via mutual funds, ETFs, and individual securities.

Timothy Hammond is a financial advisor at Horizon Financial with 32 years of industry experience. He holds Series 65 and Series 63 licenses and has worked with several firms including Private Client Services and Securities America, Inc. Beyond his advisory role, Hammond serves as treasurer for the Village of Geneseo Volunteer Fire Department and for the Geneseo United Methodist Church’s benevolence fund. Horizon Financial is an SEC-registered advisory firm serving individuals and families, including high-net-worth clients, through discretionary portfolio management, trust and retirement account services, and integrated financial planning. The firm manages approximately $510 million in assets across a nine-advisor team and employs a model-driven investment approach focusing on diversified, long-term asset allocation.

Michael Congdon is a financial advisor at Horizon Financial with five years of industry experience. He holds the Series 65 designation and has worked within related firms under the Horizon umbrella since 2012. Congdon also serves as an administrator and manager responsible for oversight of an investment brokerage firm. Horizon Financial is an SEC-registered advisory firm serving individuals and families, including high-net-worth clients, through discretionary portfolio management, trust and retirement services, and integrated financial planning. The firm manages approximately $510 million in assets with a model-driven investment approach overseen by an internal team and Investment Policy Committee.

Brian Novellin is a financial advisor at Horizon Financial with 13 years of industry experience. He holds a Series 66 designation and has worked at firms including Horizon Advisory Services Inc., Private Client Services, Securities America, Inc., and Securities Service Network, Inc. Horizon Financial is an SEC-registered advisory firm serving individuals and families, including high-net-worth clients, through discretionary portfolio management, trust and retirement account services, and integrated financial planning. The firm manages approximately $510 million in assets across a nine-advisor team and employs a model-driven investment process overseen by an internal investment team and Investment Policy Committee.

Amanda Heagerty is a financial advisor at Horizon Financial with 10 years of industry experience. She holds Series 63 and Series 65 licenses and has worked with firms including Securities America, Inc. and Citizens Securities Inc. Amanda is also affiliated with Horizon Advisory Services, Inc., where she dedicates significant time. Horizon Financial is an SEC-registered advisory firm serving individuals and families, including high-net-worth clients, with discretionary portfolio management, trust and retirement account services, and integrated financial planning. The firm manages approximately $510 million in assets across a nine-advisor team and employs a model-driven investment approach overseen by an internal investment team and Investment Policy Committee.

Kenneth Blazick is a financial advisor at Horizon Financial with 18 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with firms including Securities America Advisors and Securities Service Network. He has been involved with Horizon Advisory Services and The Horizon Group for over a decade. Horizon Financial is an SEC-registered advisory firm serving individuals and families, including high-net-worth clients, through discretionary portfolio management and integrated financial planning. The firm employs a model-driven investment process focused on diversified, long-term asset allocation across mutual funds, ETFs, and individual securities for complex accounts.

Lisa Capizzi is a financial advisor with The AmeriFlex Group, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. Her prior roles include work at Cambridge Investment Research, Commonwealth Financial Network, and Securities America, among others. Outside of financial advising, she owns and operates businesses in tax services and accounting/bookkeeping, including Nacca & Capizzi, LLP. The AmeriFlex Group is an SEC-registered adviser serving individuals, corporations, and retirement plans through a network of advisory affiliates and investment representatives. The firm offers tailored portfolio management, financial planning, and retirement plan consulting, delivering strategies through model asset allocations and discretionary or non-discretionary manager relationships.