Scott Ditzell is a financial advisor with Mass Mutual Investors Services, holding the Series 63 designation and 15 years of industry experience. He has been with Mass Mutual Investors Services since 2010 and has worked with MassMutual Life Insurance Co since 2009. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap programs, money-manager programs, and educational seminars, structuring financial planning as annual, collaborative relationships with clients.

Nathan Elvers is a ChFC®-designated financial advisor with 17 years of industry experience. He is currently with OSAIC and previously worked at Securities America Advisors and Northwestern Mutual. Outside of his advisory role, he owns and manages a tax preparation and planning business. OSAIC serves a diverse client base, including individual and institutional investors, offering integrated brokerage, advisory, and financial planning services through a large network of affiliated advisors. The firm employs a range of asset-allocation tools and third-party platforms to deliver customized portfolio management.

Christopher Lamphere is a financial advisor with Morgan Stanley in Pittsford, NY, holding a Series 66 designation and having 10 years of industry experience. He has worked with Morgan Stanley and its affiliates since 2016, including roles at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs for individual and institutional clients. The firm emphasizes structured financial planning using firm-approved tools and serves clients both directly and through corporate financial planning agreements.

Gregory Rahmlow is a financial advisor with Wells Fargo Clearing, holding the CFP® and ChFC® designations, as well as Series 65 and Series 66 licenses. He has 18 years of industry experience, including over a decade at Wells Fargo Clearing and prior work at Wells Fargo Advisors LLC. He is based in Pittsford, NY. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment management. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment menus.

Tracy Baker is a financial advisor at LPL Financial with 13 years of industry experience. She holds Series 63 and Series 65 licenses and has worked with firms including Cadaret Grant & Co., ESL Investment Services, Prosperity Advisory Group, and KM Investment Services. Outside of advising, she co-hosts a radio show and podcasts on investment topics and coaches youth volleyball in Webster, NY. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting through a national network of representatives, providing both discretionary and non-discretionary management supported by in-house research and third-party subadvisors.

Eugene Skic is a financial advisor at OSAIC with 43 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Securities America Advisors, Inc. and Securities America, Inc. for 19 years. In addition to his advisory role, Skic is involved in the sale and service of life and health insurance and annuities, operating as an insurance agent and broker. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers, offering brokerage and investment advisory services, financial planning, retirement consulting, and access to third-party money managers. The firm employs various portfolio construction tools and supports multiple advisory platforms and managed account solutions.

Tomas Aponte is a financial advisor at Cetera with 20 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Cetera since 2019, following prior roles at Foresters Financial and Foresters Advisory Services. Cetera Investment Advisers LLC is a nationwide firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, supporting both discretionary and non-discretionary accounts.

Gary Fitch is a Senior Financial Advisor at Merrill Lynch Wealth Management. He leads a team that has over 40 years of experience assisting affluent individuals and families through a client-focused, goals-based wealth management process. He aims to help clients achieve their objectives with simplicity, transparency, and a disciplined method to measure progress, tailoring guidance to support current lifestyles, retirement income needs, and legacy goals. Gary joined Merrill Lynch in 2004 and holds several professional designations, including Chartered Retirement Planning Counselor™ from the College for Financial Planning, Certified Plan Fiduciary Advisor from the National Association of Plan Advisors, Personal Investment Advisor, and Retirement Benefits Consultant. He is a 1996 graduate of St. John Fisher College with a Bachelor of Arts in Economics and was inducted into St. John Fisher's Athletic Hall of Fame in 2004. Additionally, he completed a certificate program at the Johnson Graduate School of Management at Cornell University. He has served on the Board of Directors for Step-by-Step of Rochester and was the Director of Community Engagement for Rochester Young Professionals. Gary resides in Pittsford, New York with his wife Melissa and their children, Gary and Isla. Outside of work, he enjoys boating, fishing, football, golfing, running, skiing, and spending time with his family.

Anthony Rossi is a financial advisor at OSAIC with 55 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Securities America Advisors, Inc. for 16 years. In addition to his advisory role, Rossi is also a licensed insurance agent involved in insurance sales. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services through its extensive network of advisers and employs various portfolio construction tools, third-party money managers, and unified managed accounts.

Timothy Mastellar is a financial advisor at Cetera with Series 63 and Series 66 credentials and five years of industry experience. His prior roles include positions at Horizon Solutions, ITT Inc, and Foresters Financial Services. He has also worked in educational and non-financial business settings such as Monroe Community College and Knapp Winery. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, and institutional clients through a nationwide network of advisors. The firm offers a range of portfolio management, financial planning, and retirement services, operating a multi-manager platform with discretionary and non-discretionary program options.

Christopher Mueller is a Series 66–licensed advisor at Merrill with 20 years of industry experience. He has been with Merrill since 2005 and also works with Bank of America, N.A. since 2009. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Clayton Millard is a Wealth Management Advisor at Merrill Lynch Wealth Management with over 20 years of experience in financial and wealth management services. He has been leading an advisory team in Merrill's Rochester, NY office since 1997, focusing on supporting affluent individuals, physicians, and executives through a personalized goals-based wealth management process. His team specializes in financial management, estate coordination, retirement income planning, family wealth management strategies, and legacy planning. Clayton holds a Bachelor's degree from Allegheny College and a Master's degree from Indiana University in Bloomington. He has earned the Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA) designations. He has been named to the Forbes "Best-in-State Wealth Management Teams" list for 2024-2026 and the Forbes "Best-in-State Wealth Advisors" list for 2023-2026. In addition to his professional work, Clayton is active in supporting philanthropic organizations including The Nature Conservancy, where he serves as a trustee for the Central and Western New York chapter. He lives in Brighton with his wife Kimberly, their two daughters, and their Border Terrier. His personal interests include cycling, gardening, skiing, mountain biking, antiquing, collecting antiques and art, and participating in a local wine appreciation group.

Andrew Ward is a financial advisor with Ameriprise in Webster, NY, holding a Series 66 designation and 12 years of industry experience. He has been with Ameriprise and its predecessor entity since 2014. Outside of his advisory role, Ward manages an advisory business through Council Rock Associates LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides clients with written recommendation reports and ongoing annual retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Alan Sheldon is a financial advisor with Merrill in Pittsford, NY, holding a Series 66 designation and 15 years of industry experience. He has been with Merrill since 2011 and concurrently associated with Bank of America since 2012. Outside of his advisory role, he is the sole owner of a rental property business. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

William Kalwas is a financial advisor at Fidelity with 20 years of industry experience. He holds Series 63 and Series 66 designations and has been with Fidelity and its affiliates since 2012. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, employing a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic investment methodologies, advisory roles to registered investment companies, and integration of AI and algorithmic tools in its processes.

Isabel Di Nottia is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to her current role, she worked at Bank of America and has experience in childcare and fitness-related activities. Outside of advising, she volunteers part-time providing childcare at a local fitness center. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

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.

John Kendall Jr. is a financial advisor at OSAIC with 29 years of industry experience. He has previously worked at Securities America Advisors, Inc. and Securities America, Inc. for 19 years. He also operates Emerald Financial Services, providing financial planning services to clients. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing firm-provided tools and third-party platforms to construct diversified portfolios on discretionary or non-discretionary bases.

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.