Ryan Muchard is a financial advisor with LPL Financial in Rochester, NY, holding Series 63 and Series 65 licenses and six years of industry experience. Prior to joining LPL Financial in 2025, he worked at Securities America Advisors and Securities America, Inc., among other firms. Outside of advising, Muchard is a Senior Mechanical Engineer with QuidelOrtho. 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, model portfolios, third-party asset management, and institutional platforms.

Julianna Lauricella is a Financial Consultant at Fidelity Investments, a position she has held since 2023. Prior to this role, she worked as an Investment Consultant at Fidelity Investments from 2022 to 2023. She has also served as a Financial Advisor at Northwestern Mutual from 2019 to 2022 and as a Financial Representative there from 2017 to 2019. As a Certified Financial Planner™, Julianna collaborates with clients to develop holistic financial plans tailored to their specific needs, focusing on understanding their goals and preferences to empower informed financial decisions. Her professional experience spans various aspects of financial consulting and investment advising. Outside of her professional work, Julianna's personal interests include family activities, fishing, gardening, golf, spending time at the lake, and caring for pets.

Amy Hrichak is a financial advisor with MassMutual Investors Services in Rochester, NY, holding Series 63 and Series 66 designations and bringing 36 years of industry experience. She has worked with MassMutual and its affiliate firms since 2006. MassMutual 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, and educational seminars, structuring engagements as annual, collaborative relationships that utilize firm-approved software tools to analyze client goals and deliver written recommendations.

James Smith is a financial advisor at J.P. Morgan Securities in Rochester, NY, with one year of industry experience. His prior work includes roles at Fidelity Investments and JPMorgan Chase Bank, N.A., as well as experience outside finance at companies such as Emplifi and Vie De France Co. Ltd. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program emphasizing written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines systematic quantitative screens and qualitative research to develop model asset allocations.

Stephen Cymbal is a financial advisor with LPL Enterprise holding Series 66 and Series 63 licenses and five years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, Pruco Securities, LLC, Brighton Securities, and Equitable Advisors. LPL Enterprise provides investment advisory and brokerage services to a diverse client base that includes individual investors, high-net-worth clients, retirement plans, banks, corporations, and charitable entities. The firm emphasizes model-driven investment implementation using portfolios developed by internal and third-party strategists and offers additional services such as financial planning, access to third-party asset managers, and affiliated insurance and trust services.

Francis Celona is a CFP® professional with 24 years of industry experience. He is currently with Cambridge Investment Research Advisors, where he has worked since 2023. His prior experience includes roles at Securities America and Allied CPAs, PC. Celona is also involved in interior design management through MQS Home Interiors, Inc., and serves as treasurer for the Mendon Foundation, Inc. Cambridge Investment Research Advisors serves a broad mix of individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, and retirement-plan advisory services. The firm manages a multi-billion dollar asset base and provides access to multiple platforms, proprietary model strategies, and third-party advisers.

Michael Bellapianta is a financial advisor with LPL Financial based in Rochester, NY, holding Series 63 and Series 65 credentials and possessing 31 years of industry experience. He previously worked for MassMutual and MML Investors Services for 22 years. Outside of his advisory role, he serves as a notary and engages in non-variable insurance activities. 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 broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive operational tools and a large network of investment adviser representatives.

Stephen Harper is a financial advisor at OSAIC with one year of industry experience. He holds a Series 66 credential and has held positions at Osaic Wealth, Family, Wealth & Legacy, LLC, and Farm Credit East. Prior to his financial services career, he worked in education and other sectors, including teaching roles at Cedarville University, Houghton University, and RIT. OSAIC serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services across multiple platforms, with an investment process that emphasizes model-based asset allocation and portfolio optimization.

Timothy Brown is a financial advisor at OSAIC with four years of industry experience. He holds a Series 66 designation and has worked at several firms, including Securities America, Park Avenue Securities, and Guardian Life Insurance Company. Outside of advising, he has participated in a partnership role as a Wealth Management Assistant, supporting client servicing and advisor tools. OSAIC serves a wide range of clients, including individual investors, retirement plans, charities, and corporations, providing brokerage and advisory services through a multi-advisor platform. The firm utilizes model-based asset allocation and portfolio optimization supported by various tools and offers both discretionary and third-party manager strategies.

Erica Cummings is a financial advisor with RBC Capital Markets based in Rochester, NY, holding a Series 66 designation and 24 years of industry experience. Her prior roles include positions at Morgan Stanley Private Bank and City National Bank. She serves on the board of directors for New York Kitchen, a nonprofit organization focused on fundraising. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers tailored investment programs combining in-house and third-party managers with options for tax management and responsible investing.

Kevin Garden is a CFP® professional with 14 years of industry experience and is currently associated with OSAIC. He previously worked with Securities America Advisors, Inc. and SECURITIES AMERICA, inc. for a combined 12 years. Garden also engages in insurance sales through a separate business activity, recommending products as part of financial planning. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporations. The firm offers a range of brokerage and advisory services supported by model-based asset allocation, portfolio optimization, and multiple investment programs delivered through affiliated broker-dealer and RIA relationships.

Justin Ferron is a CFP® with five years of industry experience, currently affiliated with Cambridge Investment Research Advisors. He has held roles at Cambridge Investment Research, Inc. since 2020 and previously worked at Paychex Inc. Ferron is also involved in tax services through a family CPA firm and has an athletic department role at Nazareth University. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, and charitable organizations by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages assets across multiple platforms and custodians, supporting both discretionary and non-discretionary management and providing access to third-party advisers and proprietary model strategies.

Brendan Ercole is a CFP® professional with 11 years of industry experience, currently serving at Cambridge Investment Research Advisors. His prior roles include positions at Sage Rutty and SEI Investments Management Corp. He is also the owner of Fairpoint Wealth Partners, Inc., an independent advisory business. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension funds, and charitable organizations. The firm offers financial planning, investment management, retirement-plan advisory, and wrap-fee programs, utilizing multiple platforms and proprietary model strategies under the Founders Gate Capital brand.

William Cooper is a CFP® with five years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities. He has worked at Howe and Rusling, Inc. prior to joining J.P. Morgan, where he has been since 2022. He is based in Rochester, NY. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through non-discretionary written asset allocation advice, investment manager searches, and customized performance reporting supported by a centralized due diligence process.

Jacob Kocher is a financial advisor with LPL Financial based in Rochester, NY. He holds Series 63 and Series 66 licenses and has four years of industry experience. His prior roles include positions at Northwestern Mutual Wealth Management Company and ESL Federal Credit Union, as well as work outside finance with Pizza Land Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives to individuals, retirement plans, banks, and institutions. The firm offers a range of investment solutions, including third-party asset management and institutional platforms, supported by operational tools like machine learning for research and administrative functions.

Joelle Donahoe is a financial advisor with LPL Financial based in Rochester, NY, holding Series 63 and Series 65 licenses and 28 years of industry experience. She has been with LPL Financial since 2006 and also serves as Chief Compliance Officer for Cooper/Haims Advisors, LLC and ESL Investment Services, LLC. 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 other institutions. The firm offers a range of financial planning and investment management solutions, including third-party asset management and institutional platforms.

Roger Purcell is a Series 66 licensed advisor at J.P. Morgan Securities with one year of industry experience. His work history includes roles at JPMorgan Chase Bank, Mmb & Co., Coopercompanies, ESL Federal Credit Union, and Wegmans Food Markets. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research supported by a centralized manager solutions team.

Joseph Cappello is a financial advisor with LPL Financial in Rochester, NY, holding a Series 63 designation and 23 years of industry experience. He has been associated with ESL Investment Services, LLC and LPL Financial since 2009. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by technology tools and a broad range of non-advisory financial services.

Connie Dinicola is a financial advisor with LPL Financial in Rochester, NY, holding Series 63 and Series 65 credentials and bringing 10 years of industry experience. Her prior roles include positions at Sagepoint Financial, Inc., Cadaret, Grant & Co., Inc., and OSAIC. She is also involved in tax preparation and accounting through her business, Har Din Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing a broad range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers various investment programs and platforms, supported by comprehensive operational and research tools.

Carrie Rodriguez is a financial advisor with Edward Jones in Rochester, NY, holding a Series 66 designation and six years of industry experience. Prior to joining Edward Jones in 2020, she worked for the Webster Central School District for five years. Outside of her advisory role, she teaches group exercise classes at the YMCA. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment and advisory services, managing approximately $1.01 trillion in assets through a large network of financial advisors and branch offices nationwide.