David Young is a financial advisor with The AmeriFlex Group, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. Prior to joining AmeriFlex, he worked at Cambridge Investment Research, OSAIC, Securities America Advisors, and INVEST Financial Corp. Outside of financial advising, he is the managing partner of a full-service CPA firm and serves on the board of Heart of God International Ministries, where he oversees mission work in Haiti. He is also a board member of the New York State Society of CPAs, holding several leadership roles. The AmeriFlex Group is an SEC-registered investment adviser serving individuals, corporations, and retirement plans through a network of advisory affiliates and investment adviser representatives. The firm offers customized portfolio management, financial planning, third-party money manager selection, and retirement plan consulting, with multiple custodial relationships and periodic account reviews.

John Harms is a CFP® with 21 years of industry experience, currently serving as an advisor at RFG Advisory, LLC. His prior work includes roles at American Portfolios Financial Services, AXA Advisors, and Wells Fargo Advisors. Harms is also involved as an insurance agent with ASH Brokerage and KAFL Insurance Resources. RFG Advisory provides investment advisory and planning services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and institutional clients such as investment companies and government entities. The firm offers discretionary portfolio management using a variety of model strategies and third-party platforms, and it serves as a sub-adviser to multiple ETFs while providing access to alternative investments and annuities.

Andrew Kay is a financial advisor with Alesco Advisors, LLC, An ESL Company, holding a Series 65 credential and five years of industry experience. He has been affiliated with ESL Newco I, LLC since 2025 and worked at Alesco Advisors LLC from 2012 to 2025. Alesco Advisors provides discretionary investment management and advisory services primarily to institutional clients and high net worth individuals. The firm combines fundamental analysis with quantitative modeling to implement asset allocations using index-based and systematic mutual funds, ETFs, and selected private investments, while also offering financial planning and consulting services.

Anthony Simonetti is a financial advisor with Osaic Wealth, Inc. in Rochester, NY, holding a Series 66 designation and over 17 years of industry experience. His prior work includes roles at Novem Group, Inc. and American Portfolios Advisors, Inc. He is the founder and president of the Just Breathe Foundation, a charitable organization. Osaic Wealth, Inc. is an SEC-registered investment adviser and FINRA member broker-dealer that serves a diverse client base including individual investors, pension plans, corporations, and nonprofits. The firm offers a range of advisory and brokerage services supported by advanced portfolio management tools and a large network of financial advisers.

Randy Schuster is a financial advisor with ValMark Advisers, Inc. in Pittsford, NY, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. Prior to joining ValMark in 2020, he worked at Penn Mutual Life Insurance Company and Hornor Townsend & Kent for 13 years each. Outside of advising, he is an author and serves as president of the Jewish Federation of Rochester. ValMark Advisers provides investment management, financial planning, and retirement plan advisory services to individuals, plan sponsors, and institutional clients through a network of approximately 280 advisors. The firm offers diversified, goal-based model portfolios primarily using mutual funds, ETFs, and third-party managers, with a range of proprietary programs and strategic partnerships that distinguish its service offerings.

Joseph Cerqua is a CFA® charterholder with three years of industry experience. He is currently with Sage, Rutty & Co., Inc. and previously worked at Elmwood Income Partners LLC and Clover Capital Management Inc./Federated Hermes. 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 a multi-advisor structure, providing both comprehensive planning and portfolio management services.

Kyle Dunn is a financial advisor at Modern Wealth Management, LLC in Rochester, NY, holding the ChFC® designation with 15 years of industry experience. His prior roles include positions at LPL Financial, Cadaret, Grant & Co., Inc., MML Investors Services, and MassMutual Financial Group. He also serves as an independent insurance agent involved with fixed insurance products. 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 operates a centralized portfolio management model, utilizing third-party managers and risk-tolerance tools, and offers a broad range of services such as discretionary investment management, tax planning, estate-planning assistance, and insurance solutions.

Patrick Manuel is a financial advisor at Novem Group with 13 years of industry experience. He holds a Series 66 designation and has worked at Novem Group since 2014 and Osaic Wealth, Inc. since 2024. Outside of his advisory role, he serves as treasurer of the Wolf Foundation board of directors and holds board positions with the Italian Heritage Foundation and Novem Foundation. He is also involved in a furniture sales business through ADK Guys, LLC. Novem Group provides discretionary and non-discretionary investment supervisory services and financial planning to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, government entities, and other advisers. The firm employs a combination of fundamental, cyclical, and technical analysis and offers both wrap and non-wrap portfolio management arrangements tailored to client goals and risk tolerance.

Tyler Rogers is a financial advisor with Modern Wealth Management, LLC, holding Series 63 and Series 65 designations and 17 years of industry experience. Prior to joining Modern Wealth Management in 2025, he worked at Principal Funds Distributor, Inc. and Paychex Securities Corporation. Modern Wealth Management is a multi-team SEC-registered investment adviser managing approximately $10.9 billion in assets across 94 advisors. The firm provides discretionary and non-discretionary investment management, financial planning, and modular services to individuals, high-net-worth clients, trusts, estates, and employer-sponsored retirement plans, utilizing a centralized Investment Committee and a mix of model portfolios and third-party managers.

Connor Holly is a CFP® professional with 15 years of experience in financial advising. He has been with Sage, Rutty & Co., Inc. since 2011. Sage, Rutty & Co., Inc. serves both 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 a range of program structures and custodial relationships, providing comprehensive planning and portfolio management through a team of 45 advisors.

Christopher Schoff is a financial advisor with Capital Analysts in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. His prior work includes roles at Lincoln Investment and Legend Advisory Corporation. Outside of finance, he owns two small businesses: one that opens and closes swimming pools and a family-operated maple syrup production venture. Capital Analysts serves a diverse client base including individuals, high-net-worth investors, and institutions, offering portfolio management, custom and model portfolios, and retirement-plan advice. The firm combines discretionary investment management by an in-house team with non-discretionary advisory services and utilizes proprietary screening tools to construct portfolios.

Morgan Allen is a financial advisor with Capitol Securities Management, Inc. in Rochester, NY, holding Series 63 and Series 65 credentials and five years of industry experience. He has worked at multiple firms including Beau Morgan Advisors, Invessent, Stratos Wealth Advisors, USAA Financial Advisors, and Charles Schwab & Co. Allen has also been involved with Invessent Wealth Management, LLC in a wealth advisory capacity. Capitol Securities Management serves individual investors, institutional clients, retirement plans, trusts, and small businesses by providing portfolio management, financial planning, and consulting services. The firm operates as both a broker-dealer and registered investment adviser, delivering investment advice through IAR-managed programs, separately managed accounts, model portfolios, and third-party Money Managers.

Jeffrey Altieri is a financial advisor with Novem Group in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. He previously worked at RBC Capital Markets for 12 years before joining Novem Group in 2021. Outside of his advisory role, he serves as a director at Penfield Country Club, overseeing management and operations. 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 and uses individualized Investment Policy Statements to guide portfolio construction.

Christine Lanzisera is a financial advisor with Ashton Thomas Securities, LLC in Rochester, NY, holding a Series 63 designation and 16 years of industry experience. She has been affiliated with Excel Securities & Associates, Inc since 1996. Ashton Thomas Securities, LLC 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, and retirement plan consulting, utilizing a range of investment options and multiple program platforms.

John Marino is a financial advisor at Prospera Financial Services, Inc. with 33 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Wells Fargo Advisors and Wells Fargo Clearing from 2009 to 2026. Prospera Financial Services is a multi-team advisory firm with over 270 advisors managing approximately $14.4 billion in client assets. The firm serves individuals, retirement plans, trusts, estates, charitable organizations, and business entities, offering financial planning, portfolio management, and access to multiple advisory programs and platforms.

Lee Kern is a financial advisor at Capital Analysts with 17 years of industry experience. He holds a Series 63 designation and has worked previously at Lincoln Investment and Legend Advisory Corporation. Outside of his advisory role, he owns Kern Wealth Management, which provides Medicare plan enrollment and insurance services. Capital Analysts serves both retail and institutional clients, offering portfolio management, custom and model portfolios, and retirement-plan advice through a nationwide network of independent advisors and firm-managed programs. The firm uses a proprietary fund screening process and delivers investment management both on a discretionary basis via an in-house team and non-discretionary basis through advisors and third-party managers.

Stephen Digennaro II is a financial advisor at Kingswood Wealth Advisors, LLC with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Aegis Capital Corp. and Benchmark Investments. Outside of advisory roles, he is involved as Vice President of Investments for Argyle Creek LLC. Kingswood Wealth Advisors serves a diverse client base including retail, high-net-worth, and institutional investors, offering portfolio management, financial planning, and ERISA advisory services. The firm employs an open-architecture platform, often using third-party managers and sub-advisors, and integrates insurance-linked account management through affiliated financial entities.

Ronald Taylor Jr. is a financial advisor at Novem Group with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at firms including American Portfolios Financial Services and Raymond James Financial. Novem Group provides portfolio management and financial planning services to individuals, high-net-worth clients, pension plans, charitable organizations, and government entities. The firm employs a range of investment strategies and utilizes third-party money managers, offering discretionary authority and regular account monitoring.

Frederic Scarpulla is a financial advisor with Lifemark Securities Corp. and holds a Series 63 designation. He has 35 years of industry experience, including 24 years as an independent insurance agent. His work involves the sale and service of life, health, group life, and group long-term disability insurance products. Lifemark Securities Corp. provides fee-based investment advisory services and financial planning primarily to individual investors and sponsors of participant-directed retirement plans. The firm offers programs such as Unified Managed Accounts and Separately Managed Accounts, tailoring advice through risk assessments and using a variety of platform tools.

Craig Gingerich is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Sage, Rutty & Co., Inc. in Rochester, NY. He has been with Sage, Rutty & Co., Inc. since 2014. Sage, Rutty & Co., Inc. serves a diverse client base including individual and institutional investors, offering advisory, financial planning, and wrap-fee services. The firm manages approximately $3.9 billion in assets across 8,685 accounts and provides both discretionary and non-discretionary portfolio management with multiple program structures and custodial relationships.