Michael Kramer is a financial advisor with Capital Analysts and holds a Series 63 designation. He has 24 years of industry experience, including previous roles at Lincoln Investment and Legend Advisory Corporation. Outside of advising, he serves as president of the Lakeshore Rochester Kiwanis Club and owns MGK Tax Advisors, a tax preparation business. Capital Analysts provides portfolio management and retirement-plan advice to retail and institutional clients, including high-net-worth individuals, trusts, and charitable organizations. The firm offers both discretionary and non-discretionary investment management through an in-house team and third-party managers, supported by proprietary mutual-fund screening and a network of independent advisors nationwide.

Joshuah Tatro is a financial advisor at Modern Wealth Management, LLC with 13 years of industry experience. He holds a Series 66 designation and previously worked at OSAIC for 11 years before joining Modern Wealth Management and Mutual Securities, Inc. in 2025. Outside of his advisory roles, Tatro coaches a youth soccer team with the Fairport Soccer Club. Modern Wealth Management provides investment advisory and integrated planning services to a diverse client base, including individuals, trusts, pension and retirement plans, charitable organizations, broker-dealers, and corporations. The firm employs a centralized portfolio management model supported by an Investment Committee and offers comprehensive services such as discretionary investment management, financial and tax planning, estate-planning assistance, and insurance solutions.

Cole Schmitt is a financial advisor at Compound Planning, Inc. with seven years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Alesco Advisors LLC, Cetera Advisors, Bright Futures Wealth Management LLC, and Equimark East LLC. Compound Planning serves individuals, high-net-worth families, businesses, retirement plans, and financial intermediaries by offering discretionary portfolio management, financial planning, and institutional advisory services. The firm provides Direct Investment Management and a Turnkey Asset Management Program, focusing on risk-based model allocations and a combination of long-term strategies with tactical tools.

Natalia Zimnoch is a financial advisor with Lifemark Securities Corp. in Rochester, NY, holding Series 63 and Series 65 credentials and seven years of industry experience. Her prior work includes positions at Mass Mutual and ownership of Zimnoch Financial Group. Outside of advisory work, she is active as a disc jockey at private events and provides educational cryptocurrency consulting. Lifemark Securities Corp. offers fee-based investment advisory and financial planning services primarily to individual investors and retirement plan sponsors, providing programs such as Unified Managed Accounts and Separately Managed Accounts. The firm’s advice is suitability-driven, utilizing risk assessments and managed on discretionary or non-discretionary bases, with custody maintained through third-party custodians.

Christopher Hoffarth is a financial advisor with Modern Wealth Management, LLC in Rochester, NY, holding Series 63 and Series 65 licenses and 10 years of industry experience. His prior roles include positions at Mutual Securities Group, Inc., LPL Financial, and QCI Asset Management. Hoffarth is also involved with Beltz, Ianni, & Associates, a DBA for Mutual Securities Inc. Modern Wealth Management provides investment advisory and integrated planning services to a diverse client base, including individuals, trusts, retirement plans, and corporations. The firm employs a centralized portfolio management model supported by an Investment Committee and offers comprehensive services such as discretionary investment management, tax and estate planning, and ERISA plan management.

Vincent Fasso is a financial advisor with Capital Analysts and holds a Series 63 designation. He has 29 years of industry experience, including roles at Lincoln Investment, Legend Advisory Corporation, and Legend Equities Corporation. Outside of his financial career, he works as a bartender at Genesee River Restaurant. Capital Analysts serves a mix of retail and institutional clients, providing portfolio management and retirement-plan advice through a nationwide network of advisors. The firm combines in-house discretionary management using a proprietary mutual fund screening process with non-discretionary services offered by advisors and third-party managers.

James Burke is a CFP® professional with 33 years of industry experience. He has been with Sage, Rutty & Co., Inc. in Rochester, NY, for over three decades, serving in a financial advisory capacity since 1992. Sage, Rutty & Co., Inc. provides advisory, financial planning, and wrap-fee services to a diverse client base that includes individuals and institutions such as pension and profit-sharing plans. The firm manages approximately $3.9 billion in assets across more than 8,600 accounts, employing various program structures and analytical approaches while supporting both discretionary and non-discretionary account management.

Douglas Emblidge is a financial advisor at ESL Newco I, LLC with three years of industry experience. He holds a Series 65 designation and previously worked at Alesco Advisors LLC. Before entering finance, he spent 39 years in broadcasting, including roles at 13WHAM-TV/Sinclair Broadcast Group and WAIO Radio 95.1. ESL Newco I, LLC, operating as Alesco Advisors, provides investment management, financial planning, and consulting services primarily to institutions and high-net-worth individuals. The firm employs a combination of fundamental analysis and quantitative modeling, often recommending index-based mutual funds and ETFs, and manages approximately $4.81 billion in assets.

David Prull II is a financial advisor with Ashton Thomas Securities, LLC in Pittsford, NY, holding Series 63 and Series 65 licenses and with 28 years of industry experience. He has been with Ashton Thomas Securities since 2005 and concurrently serves as a Deputy Sheriff Investigator with the Monroe County Sheriff’s Office since 2003. Ashton Thomas Securities serves individuals, business entities, trusts, estates, and charitable organizations, managing approximately $1.72 billion for around 2,600 clients. The firm offers discretionary and non-discretionary portfolio management, financial planning, retirement plan consulting, and uses a diverse range of investment options including mutual funds, ETFs, and third-party models.

Mark Wilson is a financial advisor with Arkadios Wealth Advisors in Rochester, NY, holding the ChFC® designation and Series 63 and 65 licenses. He has 37 years of industry experience, including 15 years at MML Investors Services Inc and Mass Mutual before joining Arkadios Wealth Advisors and Arkadios Capital in 2022. Wilson serves on the board of Dollars for Scholars, an organization that awards scholarships to high school students. Arkadios Wealth Advisors provides investment and wealth management services to individuals, trusts, businesses, and retirement plans through a combination of advisor-managed accounts, third-party money managers, and financial planning, supported by an in-house portfolio team that offers models and trade execution across multiple asset classes.

Nicole Newman is a financial advisor at OneSeven in Pittsford, NY, holding a Series 65 designation with one year of industry experience. Her prior roles include positions at Newman Management Consulting, Bassich & Associates, and Final Gift. OneSeven provides investment advisory services to individuals, high-net-worth clients, trusts, estates, businesses, and retirement plans, offering a range of portfolio management and financial planning solutions. The firm employs a primarily long-term investment approach with access to diversified assets and third-party managers, and has affiliations that enhance its retirement-plan consulting capabilities.

Kimberly Schulwitz is a financial advisor at Sage, Rutty & Co., Inc. with 10 years of industry experience. She previously worked at Wells Fargo Clearing and WELLS FARGO Advisors, LLC before joining Sage Rutty in 2019. Schulwitz holds Series 63 and Series 66 designations. Sage, Rutty & Co., Inc. serves both individual and institutional clients through advisory, financial planning, and wrap-fee platforms, managing approximately $3.9 billion in assets across 8,685 accounts. The firm offers a range of program structures and custodial relationships, providing both comprehensive planning and portfolio management services.

Michael Cerutti is a financial advisor with Modern Wealth Management, LLC in Rochester, NY, holding Series 63 and Series 65 licenses and four years of industry experience. His prior work includes roles at Mutual Securities, Neuberger Berman, Lincoln Financial Advisors, and GAMCO Investors. Outside of advisory work, he is also an independent insurance agent specializing in fixed life insurance. Modern Wealth Management, LLC is a multi-team SEC-registered adviser managing approximately $10.9 billion in assets across about 94 advisors. The firm serves individuals, high-net-worth clients, trusts, estates, and employer-sponsored retirement plans, using a centralized Investment Committee and a combination of model portfolios, third-party money managers, and strategic allocations to guide investment decisions.

Lauren Mc Kerrow is a Series 66-licensed financial advisor at Sage, Rutty & Co., Inc. with three years of industry experience. She has worked in various roles including positions at Livingston Lanes & Pub, Barefoot Septic & Sewer Inc., and SUNY Geneseo. Sage, Rutty & Co., Inc. serves individual and institutional clients, including pension and profit-sharing plans, offering comprehensive financial planning and portfolio management services. The firm manages approximately $3.9 billion in assets across multiple custodial relationships and employs fundamental, technical, and cyclical analysis in both discretionary and non-discretionary accounts.

Meghan Kelly is a financial professional with three years of industry experience, currently affiliated with Vicus Capital, Inc. in Rochester, NY. She holds a Series 66 designation and has prior experience with Kelly Wealth Services, Kelly Retirement Services, Cetera Wealth Services, and Paychex. Vicus Capital provides investment management and financial planning services to individuals, businesses, trusts, and employee benefit plan sponsors. The firm employs a mix of fundamental and technical analysis across various strategies and offers specialized retirement-plan consulting and fiduciary services.

David Robbins is a financial advisor at Courier Capital, LLC in Rochester, NY, holding a Series 63 designation with five years of industry experience. He worked at HNP Capital, LLC from 2011 to 2023 before joining Courier Capital, where he has been since 2023. Courier Capital, LLC provides investment advisory services to individuals, banking institutions, charitable endowments, and pension plans. The firm employs an asset-allocation approach with Investment Committee oversight and offers discretionary management, financial planning, retirement plan consulting, third-party manager selection, and access to alternative investments.

David Dewind is a financial advisor with Sage, Rutty & Co., Inc. in Rochester, NY, holding Series 63 and Series 66 licenses and bringing 44 years of industry experience. He has been with Sage Rutty since 2012. Sage Rutty & Co., Inc. serves a range of individual and institutional clients, including pension and profit-sharing plans, offering advisory, financial planning, and wrap-fee services. The firm manages approximately $3.9 billion in assets across nearly 8,700 accounts and provides both comprehensive planning and portfolio management through multiple program structures and custodial relationships.

Riley Zimmerman is a financial advisor at Modern Wealth Management, LLC with three years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Beltz-Ianni & Associates, LPL Financial, and Paychex Inc. prior to joining Modern Wealth Management. Modern Wealth Management provides investment advisory and integrated planning services to a diverse client base, including individuals, trusts, pension plans, charitable organizations, broker-dealers, and corporations. The firm employs a centralized portfolio management model supported by an Investment Committee and offers a range of services including discretionary investment management, financial planning, tax and estate planning, and insurance solutions.

Michael Linkey is a financial advisor at The AmeriFlex Group with 17 years of industry experience. He holds a Series 66 designation and has previously worked at Cambridge Investment Research, OSAIC, Securities America Advisors, and Invest Financial Corporation. Linkey is also involved with the Kiwanis Club of Canandaigua, assisting in community fundraising activities. The AmeriFlex Group is an SEC-registered investment adviser serving individuals, corporations, and retirement plans through a network of advisory affiliates. The firm offers portfolio management, financial planning, and retirement plan consulting, delivering customized strategies via model asset allocations and manager relationships.

Gina Griffo is a financial advisor at Sage, Rutty & Co., Inc. with 15 years of industry experience. She previously worked for 20 years at Ralph Parks Investment Group LLC d/b/a Parks Capital. Griffo holds Series 63 and Series 65 licenses. Sage, Rutty & Co., Inc. serves individual and institutional clients, including pension and profit-sharing plans, offering advisory, financial planning, and wrap-fee platforms. The firm manages approximately $3.9 billion in assets and provides both comprehensive planning and portfolio management through multiple program structures and custodial relationships.