Kevin Cross is a financial advisor with Osaic Wealth, Inc., holding Series 63 and Series 65 licenses and 12 years of industry experience. Prior to joining Osaic in 2024, he worked at Cetera and Foresters Financial Services. Outside of his advisory role, he volunteers as a T-Ball coach for Chili Youth Baseball and owns Previs Wealth, LLC. Osaic Wealth serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a broad network of advisors. The firm provides integrated brokerage and advisory services, employing asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios that may include a range of investment products.

Tara Farrell is a financial advisor with Morgan Stanley in Pittsford, NY, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and previously at Citigroup Global Markets since 1992. Outside of her advisory role, she operates a tree service business in Ontario, New York. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

Stephen Livingston is a financial advisor with Cetera who holds a Series 66 designation and has 10 years of industry experience. He has worked at Cetera since 2017 and previously held roles at JPMorgan Chase and JP Morgan Securities. He also serves as a compliance officer at Canandaigua National Bank. Cetera Investment Advisers LLC is an SEC-registered adviser that operates a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and consulting services through a multi-manager platform with access to both affiliated and third-party managers.

Laura Hicks is a financial advisor at Charles Schwab with 18 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Charles Schwab and Charles Schwab Bank since 2005. Hicks serves on the board of the Clifton Springs Area YMCA, a nonprofit organization focused on community programs. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized custody and operational infrastructure.

Joel Maness is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. Prior to joining OSAIC, he worked at Securities America Advisors, Inc. and Securities America, Inc. for eight years. He is actively involved in his community through multiple roles at the Episcopal Church of the Incarnation, including serving as Head of the Audit Committee and Vestry Clerk. OSAIC serves a broad client base, including individual, high-net-worth, institutional, and charitable investors, offering integrated brokerage, advisory, and financial planning services through a large network of affiliated advisors. The firm employs a range of portfolio construction tools and supports both discretionary and non-discretionary account management, with access to multiple third-party money managers and wrap programs.

Lisa Testa is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Gregory Schaller is a financial advisor with Stifel who holds a Series 66 designation and has 26 years of industry experience. He previously worked at Merrill and Bank of America before joining Stifel in 2019. He serves as a board member of the St. Bonaventure University National Alumni Association. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies.

Deborah Spychalski is a financial advisor at Merrill with 25 years of industry experience. She has been with Merrill since 1996 and holds the Series 66 designation. Merrill 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, pension and profit-sharing plans, corporations, and charitable organizations.

Andrew Roberts is a financial advisor at Cambridge Investment Research Advisors with 23 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Cambridge since 2013. Outside of his advisory role, he is the owner of AR Wealth Management, a trade name under which he conducts investment-related activities. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing proprietary models and third-party strategies across various custody platforms.

Paul D'aiutolo is a Series 66-licensed financial advisor with UBS Financial Services in Rochester, NY, where he has worked since 2007. He has 27 years of industry experience. Outside of his advisory role, he serves on the boards of Heritage Christian Services, the American Retirement Association, and the Rochester Hearing and Speech Center. He is also active in professional associations related to retirement plan advising, including a volunteer leadership role with The American Society of Pension Professionals and Actuaries. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and research-based portfolio management.

Courtney Anderson is a financial advisor at Merrill with 21 years of industry experience. She holds the Series 63 and Series 66 designations and has worked at Merrill Lynch since 2020. Prior to that, she spent 16 years at John Hancock Distributors LLC and John Hancock. 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 a range of clients including individuals, high-net-worth clients, and institutional investors.

Peter Valade is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. His prior roles include positions at Citizens Securities Inc. and Citizens Bank. J.P. Morgan Securities 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 to support customized investment solutions.

Dylan Wiemer is a financial advisor with LPL Enterprise holding a Series 66 designation and beginning his career in 2025. Prior to joining LPL Enterprise, he held various roles including positions at Nazareth University and SUNY Brockport. Outside of finance, he has experience in landscaping and minor entrepreneurial activities. LPL Enterprise serves a broad client base including individuals, high-net-worth investors, retirement plans, and corporate entities through a network of investment adviser representatives. The firm’s approach is model-driven, utilizing portfolios developed by in-house and third-party strategists, and it offers a range of financial planning, advisory, and brokerage services.

Jerry Lack is a financial advisor with Cetera Investment Advisers LLC, holding a ChFC® designation and several securities licenses. He has 17 years of industry experience, including roles at Cetera since 2018, Canandaigua National Bank and Trust since 2011, and HSBC Securities. He serves as treasurer and board member of the Damascus Shriners, overseeing the organization's finances and charitable activities. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services delivered through a national network of independent advisors, with multiple program options and affiliated managers.

Robert Katz is a financial advisor at Wells Fargo Clearing with 43 years of industry experience. He holds the Series 63 and Series 65 credentials and has been with Wells Fargo Clearing since 2016, following six years at Wells Fargo Advisors LLC. He is based in Rochester, 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 advice. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Thomas La Crosse is a financial advisor at Morgan Stanley with three years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Prior to his career in finance, he spent eight years at Leonard's Express, Inc. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning facilitated by its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques to support its financial planning process.

Ryan Collins is a financial advisor at OSAIC with a Series 66 designation and one year of industry experience. He has worked at OSAIC since 2024 and previously held an associate financial advisor role at Signature Advisory. Outside of his financial advisory work, Collins coaches a boys U10 soccer team for Fairport Soccer Club. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and investment advisory services, financial planning, and access to multiple third-party money managers. The firm employs various asset-allocation and portfolio management tools and supports both discretionary and non-discretionary accounts.

Alec Wolfe is a financial advisor at Morgan Stanley in Pittsford, NY, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley, he worked at Newday USA and has a background including roles at SUNY Geneseo and Pittsford Schools. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm uses a structured financial planning process supported by proprietary tools and investment committee analyses.

John Camp is a financial advisor at Stifel with four years of industry experience. He holds a Series 66 designation and previously worked at Key Private Bank and Northwestern Mutual. Outside of advising, he is involved in a family LLC that rents a historic barn for private events. Stifel serves a broad range of individual and institutional clients, offering brokerage and investment advisory services including fee-based financial planning. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and planning analyses.

Thomas Worden is a financial advisor with Merrill in Pittsford, NY, holding Series 63, Series 65, and Series 66 licenses and totaling 25 years of industry experience. He has been with Merrill and Bank of America, N.A. since 2012. 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, and institutional investors.