William Kalwas is a financial advisor at Fidelity with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with various Fidelity entities since 2012. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified model portfolios.

Linda Melandinidis is a financial advisor with Merrill in Pittsford, NY, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. She has been with Merrill Lynch since 1999 and Bank of America, N.A. since 2011. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Linda Mastellar is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. She has worked at Cetera since 2019 and previously spent eight years with Foresters Financial. Outside of her advisory role, Mastellar serves as Chairperson of the Varick Town Planning Board and is involved with the Romulus Foundation for Educational Opportunities, which provides grants for teachers. She also serves on the Romulus Central School Board, overseeing policy and budget matters. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers, managing over $256 billion in assets through a network of more than 10,000 advisors.

Chris Reynolds is a financial advisor at Morgan Stanley with six years of industry experience. He holds a Series 66 designation and has worked in various roles within Morgan Stanley since 2019. Prior to his career in financial services, he worked at Windstream Communications and other companies. Morgan Stanley Wealth Management serves individuals and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment models as part of its advisory process.

Jeffrey Smith is a financial advisor with Wells Fargo Clearing in Pittsford, NY, holding Series 63 and Series 66 licenses and 18 years of industry experience. He previously worked at Merrill and Bank of America, N.A. for 11 years. Outside of his advisory role, he is involved in operating a franchised medical clinic and a vending machine business with his spouse. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm uses research and analytics to support diversified investment strategies and offers a broad range of financial products through bank and insurance affiliates.

Rebecca Bowman is a financial advisor at Morgan Stanley with 17 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, N.A. since 2010. Outside of her advisory role, she is involved as an officer in a property management business based in New York. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and does not offer individual security recommendations within its standalone planning services.

Amanda Delmonico is a financial advisor at OSAIC with three years of industry experience. She holds the Series 66 designation and has previously worked at Securities America Advisors and Securities America, Inc. Outside of her advisory role, she is involved in insurance sales through a separate financial services activity. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients. The firm offers a range of brokerage and advisory programs supported by model-based asset allocation and portfolio optimization, with a platform notable for its scale, complex affiliate network, and private-equity ownership.

Nathaniel Jones is a Wealth Management Advisor with Merrill Lynch Wealth Management. In his role, he focuses on developing personalized financial strategies tailored to clients' individual goals and changing market conditions. He leverages the investment insights of Merrill and the banking and lending solutions of Bank of America to support clients’ wealth management needs. Nathaniel holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a bachelor's degree from Grove City College. Nathaniel also participates in community volunteer activities, reflecting his commitment to the communities served by Merrill.

Stephen Brown is a financial advisor with Stifel who holds Series 63 and Series 65 licenses and has 38 years of industry experience. He has been with Stifel Nicolaus & Co. Inc. since 2014. Outside of his advisory role, he is a co-founder of Iron Smoke Whiskey, LLC, serves as a trustee of Nazareth College, chairs the investment committee at Nazareth University, and participates on the advisory board for the Rochester Knighthawks professional lacrosse team. Stifel serves a broad range of clients, including individuals, institutional investors, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and financial planning analyses.

Victoria Lethbridge is a financial advisor with Merrill in Pittsford, NY, holding a Series 66 designation and 23 years of industry experience. She has been with Merrill since 1997. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Joseph Crispino is a financial advisor at Wells Fargo Clearing with 36 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and integrates research and analytics to support its investment approach.

Emma Mercurio is a financial advisor at Charles Schwab with a Series 66 credential and experience beginning in 2024. Her prior roles include positions at M&T Bank and several retail companies. She has also spent several years in full-time education. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment options supported by centralized custody and due diligence resources.

Claire Bellis is a Financial Advisor at Merrill Lynch Wealth Management, specializing in providing financial guidance to women, particularly during pivotal life transitions such as divorce, retirement, and career changes. She holds the designations of Certified Divorce Financial Analyst (CDFA) and Personal Investment Advisor (PIA). With a focus on personalized financial planning, Claire helps clients develop strategies that align with their values and priorities. She aims to guide individuals, families, and business owners through complex financial decisions, supporting them in building confidence and clarity throughout the process. Claire earned her Bachelor's Degree from Eastern Illinois University. She is an active member of the Rochester Women Network and participates in community initiatives like the Junior Achievement Stock Market Challenge. Outside of her professional work, she enjoys activities such as dancing, gardening, hiking, horseback riding, music, singing, spending time with her family, traveling, watching movies, and practicing yoga.

Benjamin Patrzalek is a CFP® with 10 years of industry experience, currently associated with LPL Enterprise, LLC. Prior to joining LPL Enterprise in 2025, he spent a decade at Equitable Advisors and five years at Axa Advisors, LLC. LPL Enterprise, LLC provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, and institutional entities. The firm’s investment approach is model-driven, offering access to third-party asset managers and a range of financial planning and consulting services.

Daniel Aspenleiter is a CFP® with 29 years of industry experience. He is currently with OSAIC and has previously worked at American Portfolios Advisors, Inc., Cadaret, Grant & Co., Inc., LPL Financial, and OBS Financial. In addition to his advisory role, he is involved in insurance sales through Finger Lakes Investment Corp and ITrust Advisors. Osaic Wealth serves a diverse client base, including retail and institutional investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services, utilizing model-based asset allocation and portfolio optimization, and supports multiple investment programs through a complex affiliate network.

Salvatore Cutaia is a financial advisor at LPL Enterprise with Series 66 credentials and just over a year of industry experience. His prior work includes roles at Equitable Advisors and Paychex, as well as experience outside finance, including operating car wash businesses and involvement with local educational institutions and a district umpire association. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, and various institutional clients. The firm employs a model-driven investment approach and offers services such as financial planning, third-party asset manager access, and participation in the Model Wealth Portfolios wrap program.

Christopher LaFountain is a CFP® and ChFC® with 23 years of industry experience. He has worked at LPL Financial since 2018 and previously held roles at Ciccarelli Advisory Services, FSC Securities, Wells Fargo Clearing, and Morgan Stanley. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting a wide range of investment strategies through a large network of advisors.

Tyler Shufelt is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and two years of industry experience. Prior to joining LPL Enterprise, he worked at NYLIFE Securities LLC and New York Life, and has experience outside finance in the retail and food service industries. He also serves as a Life Insurance Case Manager for Traditions Financial Group, Inc. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm employs model-driven investment strategies and offers financial planning, third-party asset manager access, and insurance product facilitation through affiliated entities.

Michael Millard is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 49 years of industry experience. He has worked at Merrill since 1977 and has been affiliated with Bank of America, N.A. since 2011. Outside of his advisory work, he owns Huston Road Press, a sole proprietorship through which he plans to publish a novel. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Courtney Laffler is a CFP® with 22 years of industry experience and has been with Edward Jones since 2011. She holds a Series 66 license and is based in Fairport, NY. Outside of her advisory role, she serves as Membership Director of the Gananda School District PTSA and is involved with the Rocky Mountain Elk Foundation Florida Chapter as a committee member. Edward Jones is a full-service wealth management firm serving individual and institutional clients, managing approximately $1.01 trillion in assets with a nationwide network of over 23,700 advisors. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.