Andrew Kalinowski is a financial advisor with Lifemark Securities Corp. in Rochester, NY, holding a Series 63 designation and over 53 years of industry experience. He has been with Lifemark since 1985 and also works as an independent insurance agent specializing in life, long-term care, and disability insurance. Additionally, he serves as a board director of DMG, an insurance marketing organization. Lifemark Securities Corp. provides fee-based investment advisory and financial planning services primarily to individual investors and retirement plan sponsors, offering various managed account programs tailored through risk assessments and managed on discretionary or non-discretionary bases.

Lee Wilson is a financial advisor at Arkadios Wealth Advisors in Rochester, NY, holding a Series 66 license with two years of industry experience. Prior to joining Arkadios in 2022, he worked at Stanley Security and The Bonadio Group. Outside of advising, he is an investor in multi-family real estate through Cora Sandord LLC. Arkadios Wealth Advisors provides investment and wealth management services to individuals, trusts, businesses, and retirement plans, offering customized investment plans supported by an internal portfolio team and a mix of managed accounts, third-party managers, and financial planning.

Hope Duncan is a financial advisor at Sage, Rutty & Co., Inc. with a Series 66 designation and no prior industry experience. Before joining Sage Rutty, she worked in various roles including at Michigan State University and St. Ann's Community at Cherry Ridge. Sage Rutty & Co., Inc. serves individual and institutional clients through advisory, financial planning, and wrap-fee platforms, managing approximately $3.9 billion in regulatory assets across 8,685 accounts. The firm offers multiple program structures and custodial relationships, providing both comprehensive planning and portfolio management with a mix of discretionary and non-discretionary services.

Curt Ehrlich is a financial advisor with Sage, Rutty & Co., Inc. in Rochester, NY, holding Series 65 and Series 66 licenses and bringing 23 years of industry experience. He has been with Sage, Rutty & Co. since 2005. 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 across more than 8,600 accounts and employs various analysis methods and program structures to deliver both comprehensive planning and portfolio management services.

Stephen Howles is a CFP® professional with 12 years of industry experience. He is currently an executive financial advisor at Modern Wealth Management, LLC and previously worked at LPL Financial and Beltz, Ianni & Associates. Outside of his advisory role, he is a partner in BIA Consulting, LLC, a business entity unrelated to investment activities. Modern Wealth Management, LLC is a multi-team SEC-registered investment adviser managing approximately $10.9 billion in assets. The firm serves individuals, high-net-worth clients, trusts, estates, and employer-sponsored retirement plans through discretionary and non-discretionary investment management, financial planning, and modular services.

Matthew Magee is a financial advisor at Sage, Rutty & Co., Inc. with three years of industry experience. He holds a Series 66 designation and has previously worked at Wiley Edge, Morgan Stanley Distribution, Inc., and J.P. Morgan Chase & Co. 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 regulatory assets across 8,685 accounts and provides both comprehensive planning and portfolio management through multiple program structures and custodial relationships.

Robert Mezzio is a financial advisor with Capital Analysts in Rochester, NY, holding a Series 63 license and 25 years of industry experience. His prior roles include positions at Lincoln Investment, Legend Advisory Corporation, and Legend Equities Corporation. Outside of his advisory work, he is involved in assisting Medicare-eligible individuals with selecting Medicare Advantage plans through independent contracting and ownership of RJM Wealth Management Inc. Capital Analysts serves a diverse client base including individuals, high-net-worth investors, trusts, and corporate clients, offering both discretionary and non-discretionary portfolio management. The firm utilizes an in-house investment team and proprietary screening processes, working closely with Lincoln Investment and Pershing/BNY to provide a range of advisory services.

Alexander Stuver is a financial advisor with Wealthcare Advisory Partners LLC, holding a Series 66 designation and seven years of industry experience. His work history includes roles at LPL Financial, FocalPoint Wealth Management, and Paychex Insurance Agency. Outside of his advisory work, he has worked as a delivery driver for DoorDash. Wealthcare Advisory Partners LLC provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, estates, retirement plans, charitable organizations, and businesses. The firm employs a goals-based advising discipline supported by proprietary software and quantitative metrics, integrating both passive and active investment strategies along with dynamic rebalancing.

Brian Costello is a financial advisor at Alera Investment Advisors, LLC with four years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously with The Waterford Group, LLC since 2011. Alera Investment Advisors provides investment management, financial planning, and retirement plan advisory services to a wide range of clients including individuals, families, trusts, businesses, and institutions. The firm employs a mix of internal management and external managers to construct portfolios focused on mutual funds, ETFs, equities, and fixed income, and also offers comprehensive ERISA-related services for retirement plans.

Jeffrey Jones is a financial advisor at Sage, Rutty & Co., Inc. in Rochester, NY, holding a Series 66 designation with four years of industry experience. Prior to joining Sage Rutty, he worked for Hillyard Inc. for 11 years. Sage, Rutty & Co., Inc. serves individual and institutional clients, including pension and profit-sharing plans, through advisory, financial planning, and wrap-fee platforms. The firm manages approximately $3.9 billion in assets across various program structures, offering both comprehensive planning and portfolio management services.

John Skomski is a CFP® with 10 years of experience in the financial advisory industry. He is currently with The AmeriFlex Group and has held prior roles at Cambridge Investment Research, Best Times Financial Planning, Commonwealth Financial Network, and Lincoln Financial Advisors. Outside of his advisory work, he is involved in several consulting and networking ventures, including co-authoring a publication titled Cool Boss/Talent Rules and serving on the board of the Fairport Foundation. The AmeriFlex Group provides investment advice and related services to individuals, corporations, employee benefit plans, and charitable organizations. The firm offers portfolio management, financial planning, third-party money manager selection, and retirement plan consulting through a network of advisory affiliates, utilizing multiple program platforms and custodial arrangements to implement tailored strategies.

Zachary Lessard is a financial advisor with Sage, Rutty & Co., Inc. He holds the Series 66 designation and has one year of industry experience. Prior to joining Sage Rutty, he worked at Manning & Napier and held roles in education and valuation consulting. Sage, Rutty & Co., Inc. serves individual and institutional clients through advisory, financial planning, and wrap-fee platforms. The firm manages approximately $3.9 billion in assets across 8,685 accounts and offers a range of program structures and custodial relationships, combining comprehensive planning with portfolio management services.

Corinne Dennis is a financial advisor with Sage, Rutty & Co., Inc. in Rochester, NY, holding Series 63 and 66 licenses and bringing 11 years of industry experience. She previously worked at Manning & Napier Advisors, LLC and has been with Sage, Rutty & Co., Inc. since 2020. Outside of her advisory role, she is co-owner and officer of Dennis Marine, LLC, a seasonal dock and hoist installation business on the Finger Lakes. Sage, Rutty & Co., Inc. serves both individual and institutional clients, including pension and profit-sharing plans, with a range of advisory, financial planning, and wrap-fee programs. The firm manages approximately $3.9 billion in assets across over 8,600 accounts and employs a multi-advisor approach featuring both discretionary and non-discretionary portfolio management.

Brennan Redmond is a financial advisor at Sage, Rutty & Co., Inc. in Rochester, NY, holding the CFP®, CFA®, and Series 66 credentials with 19 years of industry experience. He previously worked at Brighton Securities Corporation for 10 years before joining Sage, Rutty & Co., Inc. in 2017. 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 regulatory assets across 8,685 accounts and employs a variety of program structures and analytical approaches while supporting qualified retirement plan work.

Stephen Roehrig is a financial advisor at Novem Group with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at American Portfolios, Novem Group, and Osaic Wealth. Outside of his advisory role, he is a member of Gem Creek Brewery, LLC in Canandaigua, NY. Novem Group provides discretionary and non-discretionary investment supervisory services and financial planning to a diverse client base, including individuals, high-net-worth clients, pension plans, charitable organizations, government entities, and other investment advisers. The firm employs a combination of fundamental, cyclical, and technical analysis across various asset classes and uses individualized investment policies to guide portfolio construction.

William Dombrock is a financial advisor with Manning & Napier Advisors, LLC. He holds a Series 66 credential and has one year of industry experience. Prior to joining Manning & Napier, he held roles at Tokyo Bay, Under Armor, and Vision Group LLC. Manning & Napier Advisors, LLC provides investment advisory services primarily to pooled vehicles and institutional clients, including banking institutions, pension plans, and government entities. The firm employs a team-based investment process combining top-down macro analysis with bottom-up security selection and offers customized wealth management and retirement plan services.

Nicholas Norvell is a CFP® with five years of industry experience, currently serving as an advisor at Courier Capital, LLC in Rochester, NY. He has been associated with HNP Capital LLC since 2009. Courier Capital, LLC provides investment advisory services to individuals, banking institutions, charitable endowments, and pension plans. The firm uses an asset-allocation approach with Investment Committee oversight and offers discretionary management, financial planning, and access to alternative investments.

Jeremy Raco is a financial advisor with Novem Group in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked at Novem Group since 2013 and is currently also affiliated with Osaic Wealth, Inc. In addition to his advisory roles, he offers life insurance solutions upon client request. Novem Group provides discretionary and non-discretionary investment supervisory services and financial planning to a diverse client base, including individuals, high-net-worth clients, pension plans, charitable organizations, and government entities. The firm employs a combination of fundamental, cyclical, and technical analysis across various asset classes, tailoring portfolios to client goals and risk tolerance.

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.

Vincent Dallo is a ChFC® credentialed financial advisor with 20 years of industry experience. He is currently with Belpointe Asset Management LLC and has held roles at firms including NYLife Securities, Eagle Strategies, and Bright Futures Wealth Management. Outside of his advisory work, he serves as a trustee for the Chili Public Library. Belpointe Asset Management is a multi-team registered investment adviser with over 160 advisors managing more than $7.5 billion for individuals, corporations, trusts, and other advisers. The firm offers discretionary investment management, financial planning, and retirement-plan consulting, utilizing customized portfolios and a range of advisory relationships.