For Kurt, planning and investing are means to an end—after all, what’s the point of accumulating wealth for accumulation’s sake? His goal is for clients to fully enjoy their wealth both today and in the future. As such, he focuses first on helping clients map out their life, creating a detailed picture of their hopes, dreams, and wishes. Only after that big-picture plan is established does he dive into the details and identify prescriptive action steps. Then, and only then, does he discuss the best way to invest their money. This intentional order aims to ensure each strategy has a specific purpose, and that every decision the client makes is driving them closer to their long-term goals. Kurt enjoys working with young entrepreneurs and specialized professionals who are early in their careers. Many of his clients have never had a personalized financial plan, and they appreciate his fresh perspective. He challenges conventional wisdom, always seeking the “why” behind a strategy rather than simply accepting the status quo. In doing so, he often discovers additional avenues for growth, methods for clients to more efficiently achieve their goals, or ways to save on taxes. Kurt lives in Rochester, New York, with his wife Sarah and their two young children, Kai and Isla. They’re an active family that loves to be outside as much as possible, and when each of his kids turned three, Kurt taught them to ski—something he was very excited about, having started skiing himself at the age of two. They also enjoy cooking together, going on road trips, and watching movies.

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.

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, holding a Series 65 designation with five years of industry experience. He has been associated with Janal Capital Management since 2004. Janal Capital Management is an independent firm that provides asset allocation and investment advice to individual and trust clients on a discretionary basis. The firm manages customized portfolios for a small number of households, using an in-house financial model to guide investment decisions primarily through Vanguard no-load index funds and maintaining a focused, owner-run operation without employees.

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 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.

Edmond Gorges is the sole advisor at Gorges Capital Management LLC in Rochester, NY, holding a Series 65 designation with no prior advisory industry experience. His work background includes roles at TransUnion, Measured, Goodway Group, and Dentsu International. Gorges Capital Management provides discretionary investment management to individuals, including high-net-worth clients, as well as trusts and family investment entities through a three-model separately managed account program. The firm focuses on ETF-only, income-oriented strategies using covered-call and put-writing exposures, and manages portfolios with flexible asset allocation bands rather than fixed weights.

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 34 years of industry experience, including 39 years at Compensation Planning Corp of Rochester, Inc., and 11 years with SAR Services. SAR Services, Inc. provides investment advisory and retirement consulting services primarily to ERISA-qualified retirement plans, employers with SIMPLE and SEP arrangements, and individual retirement accounts. The firm employs a disciplined, long-term buy-and-hold investment approach focused on asset allocation and diversification using low-cost institutional mutual funds and manages multiple risk-based portfolios guided by specific fund evaluation metrics.

Robert Baldes is a financial advisor with Wealth Strategies & Solutions, Ltd. in Rochester, NY, holding the ChFC® designation and Series 63 and 65 licenses. He has 40 years of industry experience, including roles at Leigh Baldwin & CO., LLC and his current firm since 2018. Outside of his advisory work, he serves as assistant treasurer for the Eastern Association of North American Baptist and holds positions on local Republican committees. Wealth Strategies & Solutions provides financial life-planning and investment advisory services to individuals and families, focusing on goals-based retirement planning, cash flow and tax analysis, and estate planning coordination. The firm offers standalone financial planning, third-party money manager referrals, and limited discretionary asset management, emphasizing detailed client discovery and coordination with CPAs and estate-planning attorneys.

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.

Noah Mc Mullen is the sole advisor at Harbor Light Capital LLC in Rochester, NY, holding a Series 65 designation with no prior industry experience. His background includes roles outside the financial sector and a period of self-directed market study before founding his independent advisory firm. Harbor Light Capital provides personalized investment advisory and financial consulting services to individuals and families, offering both non‑discretionary consultative programs and discretionary private investment management. The firm’s investment approach combines fundamental and technical analysis with modern portfolio theory and risk-based suitability modeling, implementing strategies through individual securities, mutual funds, and ETFs while excluding cryptocurrencies. The firm also offers public financial education through free seminars and workshops.

Michael Klena is a financial advisor at QuantStrat Advisors LLC with 28 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at Architect Partners, Lykke, Inc, and Wealth Apple, LLC. He is a partner at Architect Partners, focusing on M&A, capital raising, and advisory services, and serves as an unpaid advisor to quantStrat, providing insight on market acceptance and strategy development in the crypto space. QuantStrat Advisors LLC is an independent SEC-registered investment adviser that offers discretionary portfolio management primarily for qualified institutions and corporations. The firm specializes in systematic, yield-oriented digital-asset strategies and employs algorithmic execution frameworks, maintaining net long exposures while using outside managers and synthetic investment structures.

Derek Main is the owner and sole advisor at First Main Capital in Rochester, NY, with 15 years of industry experience. His prior work includes roles at Vanderbilt Securities, MassMutual Investors Services, Pruco Securities, TIAA-CREF, Morgan Stanley, and Edward Jones. He is registered with the Series 63 and Series 66 qualifications. First Main Capital is an independent investment adviser serving individuals, high-net-worth families, trusts, estates, pension and profit-sharing plans, and business entities. The firm focuses on academically grounded asset allocation using low-cost ETFs and mutual funds, providing discretionary portfolio management and comprehensive financial planning tailored to client needs.

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, 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.

Julian Ruiz Jr. is a financial advisor at FSP Advisors, Inc. in Rochester, NY, with 40 years of industry experience. He holds the Series 63, 65, and 66 licenses and has worked at FSP Advisors since 2019, alongside roles at Leigh Baldwin & Co., LLC and Progressive Marketing. He serves as a board member of the Henrietta Chamber of Commerce. FSP Advisors, Inc. provides advisory services to individuals, employee benefit plans, trusts, estates, and other institutions, offering portfolio management, modular financial planning, and pension consulting. The firm employs a combination of fundamental, technical, and charting methods with both long- and short-term strategies, managing a notable portion of assets on a non-discretionary basis and providing educational seminars and workshops at no charge.

Ryan Bierley is an advisor at FSP Advisors, Inc. with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Leigh Baldwin & Co., LLC and Progressive Marketing Services. In addition to his advisory role, he sells fixed life, disability, and fixed annuities on a part-time basis. FSP Advisors, Inc. provides advisory services to individuals, employee benefit plans, trusts, estates, and other institutions, offering portfolio management, modular financial planning, and pension consulting. The firm uses a mix of investment methods and provides both discretionary and non-discretionary portfolio management, along with educational seminars and workshops available to the public at no charge.

Mark Wyand is a CFA® charterholder with 17 years of industry experience. He is currently with Layline Advisors in Rochester, NY and previously worked at Ameriprise from 2015 to 2016. Layline Advisors serves individual clients, including high-net-worth households, and retirement plan sponsors by providing tailored investment management, financial planning, and pension consulting. The firm primarily uses passively managed portfolios featuring index mutual funds and ETFs, while also incorporating fundamental, technical, and cyclical analyses, and offers both discretionary and non-discretionary management arrangements.

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 35 years of industry experience. He is affiliated with Core Alpha, Inc. in Rochester, NY, and has worked at various related firms including Mutual Funds Associates Inc. and Accu-Vest Planning, Inc. since the early 1990s. Core Alpha, Inc. provides investment advisory and financial planning services primarily to individuals, trusts, and small businesses, focusing on non-high-net-worth clients. The firm employs a dynamic asset-allocation strategy that utilizes a range of investment vehicles and outsources implementation and trading through multiple platforms and partnerships.