Justin Goldman is a financial advisor with LPL Financial in Rochester, NY, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. His prior roles include positions at Morningstar Investment Services LLC, Sei, and Manning & Napier Advisors, LLC. He is also involved as an agent with KAFL Insurance Resources. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

James Krueger Jr. is a financial advisor with Mass Mutual Investors Services, holding the ChFC® and Series 63 designations, and has 38 years of experience in the industry. His career includes 27 years at MetLife Securities, Inc. before joining Mass Mutual in 2016. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring planning engagements as collaborative, annual relationships using firm-approved analytical tools.

Nicholas Cherchio is an Investment Consultant at Fidelity Investments, a position he has held since 2026. He serves as a financial partner, assisting clients in navigating their financial journeys and working toward personally significant financial goals. Nicholas collaborates with clients to review their financial situations, discuss priorities and timelines, and co-create financial plans aimed at providing confidence for them and their families. Prior to his current role, Nicholas gained experience as a Financial Representative and Financial Services Representative at Fidelity Investments from 2024 to 2026. He also worked as an Associate Mortgage Banker at BNY Wealth from 2020 to 2024 and held the position of Associate Vice President at Citi Private Bank from 2015 to 2020.

Jena Crawford is a financial advisor with LPL Financial, holding the ChFC® designation and Series 63 and 65 licenses, with 13 years of industry experience. She has worked at ESL Investment Services, LLC since 2013 and at LPL Financial since 2012. Outside of her advisory role, she is part-owner of a family business, NJC Property Maintenance, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers, supported by technology tools for operational and research purposes.

Guy Guarrera is a financial advisor at OSAIC with 28 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with Securities America Advisors and Estate & Financial Planning Associates prior to joining OSAIC. In addition to his advisory role, he owns Estate & Financial Planning Associates, where he is involved in insurance sales and consulting on Medicaid and trust issues. OSAIC serves a diverse range of retail and institutional clients through a large network of advisors, offering integrated brokerage, advisory services, and access to third-party money managers. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to build portfolios that may include various asset classes managed on both discretionary and non-discretionary bases.

Daniel Keirsbilck is a financial advisor with LPL Enterprise, holding a Series 66 designation and five years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, Pruco Securities, LLC, and Equitable Advisors. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors as well as institutional clients. The firm employs a model-driven investment approach and offers services such as financial planning, access to third-party asset managers, and participation in wrap programs, alongside affiliated trust and insurance products.

Christopher Andolina is a financial advisor with Equitable Advisors in Rochester, NY, holding a Series 66 designation and one year of industry experience. His prior work includes roles at First Bank of the Lake and various non-financial positions, including involvement with the Pittsford Fire Department. Equitable Advisors serves a diverse client base, including individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm offers financial planning, retirement plan consulting, and asset-management programs, utilizing both firm-offered and third-party advisory solutions.

Debby Mellenger is a financial advisor with Wells Fargo Advisors in Rochester, NY, holding Series 63 and Series 66 licenses and having 25 years of industry experience. She has worked with Wells Fargo Advisors and affiliated entities since 2009. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad planning menu and uses proprietary research and tools to develop tailored recommendations, with clients choosing their level of implementation through various brokerage or advisory programs.

Todd Everts is a financial advisor at Equitable Advisors with a Series 66 credential and one year of industry experience. His prior work includes roles at Vivacity Management and seasonal positions at Bristol Mountain Ski Resort and Harris Seeds. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm uses a range of third-party advisory models and programs, including the SAM program and LPL-sponsored platforms, to deliver investment solutions.

Andrew Van Houten is a financial advisor at Equitable Advisors with a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, he worked at Door Dash as an independent contractor and held positions at Leader Bank, Foy Benefits, and Watertown Savings Bank. Outside of his advisory role, he continues to work occasionally as a delivery driver for Door Dash. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients, providing financial planning, retirement plan consulting, and various asset-management programs. The firm’s investment approach involves assessing client information and risk tolerance, utilizing third-party advisory models and portfolios, and offering a broad range of mutual funds, ETFs, separately managed accounts, and select alternative investments.

Thomas Tarkowski is a financial advisor with Equitable Advisors in Rochester, NY, holding a Series 66 designation and 26 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, LLC, since 1999. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset-management programs. The firm employs a variety of advisory models and third-party managers to deliver tailored investment solutions.

Ashley Sullivan is the Vice President and Branch Leader at Fidelity Investments, where she oversees a team of wealth planning professionals. In her leadership role, she fosters a collaborative environment that emphasizes personalized client relationships and collective expertise to support clients in achieving their financial goals through tailored financial planning processes. Ashley has extensive experience in the financial services industry, having held various positions including Branch Leader at Fidelity Investments, Vice President and Senior Wealth Partner at 1865 Wealth Advisors, Private Wealth Advisor at LVW Advisors, and Financial Consultant at Charles Schwab and Co., Inc. She began her career as a Financial Advisor Associate at UBS Wealth Management and has held multiple roles at Fidelity Investments. She holds a California Insurance License. Outside of her professional responsibilities, Ashley's personal interests include family activities, fitness, social events with friends, parenthood, and traveling.

Richard Giangrasso is a financial advisor with LPL Enterprise and holds Series 63 and Series 65 credentials. He has 36 years of industry experience, including a long tenure at Prudential Insurance Company of America and Pruco Securities, LLC. His other business activities include work related to non-variable insurance products. LPL Enterprise, LLC provides investment advisory and brokerage services to a diverse client base that includes individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm primarily uses model-driven investment implementation and offers financial planning, access to third-party asset managers, and affiliated insurance and trust services.

Brian Whitbeck is a financial advisor at OSAIC in Rochester, NY, holding a Series 66 designation with five years of industry experience. He previously worked for Lincoln Financial Advisors Corporation for ten years before joining OSAIC in 2025. OSAIC serves a diverse client base including individual, high-net-worth, and institutional investors, offering a range of brokerage and advisory services. The firm employs various investment tools and platforms to construct portfolios incorporating multiple asset classes and supports both discretionary and non-discretionary account management.

Thomas Schultz is a financial advisor with LPL Financial in Rochester, NY, holding Series 63 and Series 65 licenses and six years of industry experience. His prior work includes roles at ESL Investment Services, Citizens Securities, Citizens Bank, Lowe's Inc., and Amica Mutual Insurance. In addition to his advisory work, he serves as a notary. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, and institutional platforms, supporting advisors with various strategies and operational tools.

Anthony Di Gabriele is a financial advisor with J.P. Morgan Securities in Rochester, NY, holding a Series 66 designation and nine years of industry experience. He previously worked at Bank of America, Merrill Lynch for eleven years before joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2026. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its investment approach.

Jonpaul Penner is a financial advisor with Wells Fargo Advisors in Rochester, NY, holding a Series 66 designation and bringing 26 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Penner serves as treasurer for the St. Paul Blvd. Fire Association Inc., a volunteer fire department organization in Rochester. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that provides investment and financial planning services to individuals, trusts, and institutions. The firm offers a broad range of planning services using its own research and tools, with clients able to implement recommendations through various brokerage and advisory programs optionally.

Joseph Kapfer is a financial advisor at Equitable Advisors with two years of industry experience. He holds a Series 66 designation and has held roles at Nazareth University, C&M Forwarding, and Rochester Wealth Management prior to his current position. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives and utilizes both proprietary and third-party investment solutions.

Alexander Mapstone is a financial advisor at Equitable Advisors with four years of industry experience. He holds the Series 66 designation and has worked at Equitable Advisors since 2022. His prior roles include positions at Rush Gravel and academic institutions such as St. Lawrence University and Hobart College. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management programs through a network of Investment Adviser Representatives. The firm utilizes third-party advisory models and offers a range of investment options including mutual funds, ETFs, and select alternative investments.

Grant Kohler is a financial advisor with Mass Mutual Investors Services in Rochester, NY. He holds Series 65 and Series 63 licenses and has three years of industry experience. Kohler also serves as the Business Development Director at Genesee Manufacturing Company, where he oversees sales and marketing. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning, asset management, and educational seminars to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides tailored financial planning using firm-approved analytical tools and offers event-driven planning services including divorce and estate-settlement planning.