Thomas Janosky is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has been serving clients since 2015. He employs a goals-based wealth management process, utilizing global resources and web technology to assist clients in pursuing financial lifestyles that align with their personal objectives. His practice specializes in working with successful corporate executives, offering services such as retirement planning, wealth management, financial strategy development, education funding, and portfolio development. Thomas places particular emphasis on retirement income planning, tax minimization, corporate benefits, divorce transition planning, and legacy considerations, often collaborating with clients’ estate planning advisors. Thomas earned a Bachelor of Science degree in Business Administration from Westminster College in 2011 and holds FINRA Series 7 and Series 66 registrations along with the Personal Investment Advisor (PIA) designation. Prior to joining Merrill Lynch, he gained experience as a Customer Service Manager, building strong communication skills that inform his client-focused approach. Thomas is a member of Hope Lutheran Church and contributes to his community as a teacher for the Financial Peace University program. In his personal time, Thomas resides in Henrietta with his wife and engages in activities such as football, golf, and tennis. He is also active at the YMCA and involved with his church community. Prospective clients may contact him via email or phone for customized retirement planning, complex pension analysis, second-opinion consultations, or assistance with 401(k) decisions following employment changes.

Timothy Meisenzahl is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at Wells Fargo since 2016 and previously spent time at Morgan Stanley. 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 operates at large scale, managing approximately $671 billion in assets and employing over 14,000 financial advisors, offering both brokerage and advisory solutions.

Kerri Palermo is a CFP® professional with 10 years of industry experience, currently serving at Charles Schwab in Pittsford, NY. Her prior experience includes roles at Ameriprise Financial Services and Northwestern Mutual Wealth Management. She also serves as a board member for the Monroe Community Hospital Foundation, where she assists with fund allocation and fundraising efforts. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering integrated brokerage, custody, and advisory services with a combination of non-discretionary client relationships and access to discretionary separately managed accounts.

Daniel Cusato is a financial advisor at OSAIC with seven years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Lincoln Financial Advisors Corporation, ESL Investment Services, LPL Financial, and ESL Federal Credit Union. Outside his advisory role, he is a notary public and an insurance agent offering disability, annuities, long-term care, and life insurance products. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment process focuses on model-based asset allocation and portfolio optimization, utilizing various managed account strategies and third-party managers.

Benjamin Wilson is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and three years of industry experience. His prior roles include positions at Jurs Montgomery Brokerage LLC and RC Imaging. Outside of his advisory work, he is a commissioned notary public in Rochester, NY. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s advisory process is IPS-driven and incorporates a wide range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Denise Williams is a financial advisor at Merrill with 24 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Merrill Lynch since 2008. 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 using model-based and discretionary investment strategies developed by internal teams and third-party managers.

Andrew Means is a financial advisor at Stifel with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Stifel Nicolaus & Co Inc since 2016. Outside of his advisory role, he is an owner and partner of a CrossFit facility in Canandaigua, New York. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and financial planning.

David Nichols is a financial advisor with OSAIC based in Pittsford, NY. He holds the CFP® and ChFC® designations and has 38 years of industry experience, including 30 years at Signator Investors, Inc. Nichols also operates a sole proprietorship involved in the sales and marketing of securities, investment advisory, and insurance products. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services with a focus on model-based asset allocation and portfolio optimization. The firm supports a variety of client types, including individual investors, retirement plans, charities, and corporate clients.

John Pascucci is a financial advisor at Edward Jones with seven years of industry experience. He holds the CFP® designation along with Series 63 and Series 66 licenses. His prior experience includes roles at Paychex and John Hancock Financial. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of financial advisors and branch offices.

Jamie Di Cataldo is a financial advisor at Merrill with 23 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Merrill Lynch since 2019, following six years at Oppenheimer & Co. Merrill, alongside 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, and institutional investors.

Eric Hurley is a financial advisor with LPL Enterprise in Pittsford, NY, holding Series 63 and Series 66 credentials and three years of industry experience. His career includes roles at Evans Bank, LPL Financial, and New York Life, among others. LPL Enterprise, LLC provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm primarily uses model-driven investment implementation and offers access to third-party asset managers, financial planning, and a variety of insurance and trust-related services.

Noah Stmary is a financial advisor at Merrill with 11 years of industry experience. He holds the Series 66 designation and has been with Merrill since 2014. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

John Zicari is a CFP® and holds a Series 66 license with 12 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2019 and previously held roles at Bank of America and Merrill from 2013 to 2019. Outside of his advisory work, he serves on the advisory board of the Wilmot Cancer Institute and acts as treasurer for Warrior Cards, Inc., an organization that provides gifts to pediatric cancer patients. Stifel serves a broad range of individual and institutional clients, offering brokerage and investment advisory services supported by a proprietary methodology developed by its Investment Strategy Group. The firm provides fee-based financial planning and model allocations intended as a basis for client decisions, with clients generally maintaining discretion over implementation.

Tim Vangorder is a financial advisor with Primerica Advisors based in Canandaigua, NY, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. He has worked with PFS Investments, Inc. since 2006 and has been affiliated with Primerica Financial Services since 1999. Outside of advisory services, he is involved in the sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which serves individual and high-net-worth clients with model-delivery strategies and a select number of separately managed account options. The firm curates third-party asset managers and uses a tiered wrap-fee structure, focusing on model-based portfolio management rather than institutional pension or profit-sharing plan management.

Susan Acker is a financial advisor at Merrill with 29 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Merrill since 2008 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Barbara Schirmer is a financial advisor at Morgan Stanley with 25 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds a Series 63 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by firm-approved tools and models, managing approximately $2.74 trillion in client assets.

Jason Mincer is a financial advisor with Cetera in Fairport, NY, holding Series 63 and Series 65 designations and bringing 11 years of industry experience. His background includes roles at Foresters Advisory Services and Foresters Financial Services, as well as community involvement with the Jewish Community Center and Blackfriars Theatre. He is also a 15% owner of Ammerly Advisors, a business associated with Cetera. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a multi-manager platform featuring a variety of portfolio management and financial planning services, with more than 10,000 advisors managing over $256 billion in assets.

Eric Schwilk is a CFP® professional at Cambridge Investment Research Advisors with 37 years of industry experience. Before joining Cambridge in 2024, he worked for LPL Financial and Xceed Financial from 2011 to 2024. He is also the owner of Provios Advisors and an independent insurance agent. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a broad network of financial professionals. The firm provides both discretionary and non-discretionary management with access to proprietary model strategies and multiple account platforms.

Alex Casale is a financial advisor at Cetera with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cetera since 2019. Prior to that, he was with Foresters Financial Services and served in an academic role at SUNY College of Brockport. Casale is also a member of the finance committee and treasurer of the Highland Park Conservancy. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a national network of independent advisors. The firm offers a range of investment management and retirement services, with a multi-manager platform that includes affiliated and third-party managers across various program structures.

Amanda Velarde is a financial advisor at Merrill with 16 years at the firm and eight years of industry experience. She holds a Series 66 designation and is based in Pittsford, NY. 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 strategies developed by internal investment teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.