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.

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 CFP® and holds a Series 66 license with five years of industry experience. She is currently with Highroad Wealth Advisers, LLC, an independent firm based in Rochester, NY. Prior to this, she has worked at Apex Wealth Advisers LLC and Armbruster Capital Management, Inc. Highroad Wealth Advisers provides portfolio management and retirement-rollover advice primarily to individual and high-net-worth clients. The firm uses client-specific strategies involving mutual funds, ETFs, equities, fixed income, REITs, and insurance products, managing assets directly with accounts custodied at Schwab Institutional.

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.

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, 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.

Bryce Carey is a CFP® with 17 years of industry experience, currently serving as an advisor at NorthLanding Financial Partners, LLC. He has been with NorthLanding since 2013 and has also worked at Mutual Securities, Inc. since 2016. In addition to his advisory role, he operates an independent insurance agency specializing in the sale of fixed annuities. NorthLanding Financial Partners serves primarily high-net-worth individuals, as well as trusts, estates, charitable organizations, and business entities, providing financial planning, consulting, and investment management. The firm manages client portfolios mainly through exchange-traded funds and mutual funds, employing fundamental, cyclical, and behavioral finance approaches to tailor strategic allocations and monitor portfolios.

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.