Andrew Ness is a Financial Consultant currently working at Fidelity Investments since 2020. He has held various positions in the financial services industry, including Wealth Management Advisor at TIAA from 2017 to 2020, Vice President and Financial Solutions Advisor at Merrill Lynch from 2012 to 2017, and Financial Advisor at AXA Advisors from 2010 to 2012. Throughout his career, Andrew has focused on building customized financial plans tailored to meet the unique needs of his clients. He emphasizes a collaborative approach and prioritizes developing strong relationships based on trust, reliability, and competency. Outside of his professional work, Andrew enjoys engaging in family activities and participating in fitness-related pursuits such as golf, hiking, skiing, and tennis.

Allison Maier is a financial advisor with Raymond James Financial holding a Series 66 designation and nine years of industry experience. She has worked at several firms, including Cadaret Grant & Co., Inc., LPL Financial LLC, and Cetera ADVISORS LLC, before joining Raymond James and Associates in 2023. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm offers non-discretionary planning and tailored investment consulting using analytical tools and supports its advisory programs with technology and specialized municipal advisory services.

Brian Hopper is a financial advisor with LPL Financial in Rochester, NY, holding Series 63 and Series 65 licenses and having 15 years of industry experience. His career includes roles at Cuna Mutual Group and CUNA Brokerage Services, INC, where he worked for nearly a decade before joining LPL Financial. 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 portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Rylan Searley is a financial advisor with J.P. Morgan Securities in Rochester, NY. He holds a Series 66 designation and has been with J.P. Morgan Securities since 2026. His prior experience includes roles at JPMorgan Chase Bank, N.A., RBC Wealth Management, and various positions related to the University of Rochester. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary, written asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Stephen Gaudino is a CFP®-designated financial advisor with 33 years of industry experience, currently affiliated with LPL Financial since 2018. His prior experience includes five years at INVEST Financial Corp and over four decades operating his own CPA practice. He also maintains a notary public service and an accounting business alongside his advisory work. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive resources and a large network of advisors.

Leo Iacobelli is a financial advisor with LPL Financial based in Rochester, NY, holding Series 63 and Series 65 credentials and with 39 years of industry experience. He has held roles at ESL Federal Credit Union since 2015 and at ESL Investment Services, LLC since 1997, where he serves as President and COO. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services through a large network of investment adviser representatives to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management solutions, utilizing both proprietary research and third-party strategies across various investment approaches.

Sandy Aristy is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. Prior to joining Merrill, Sandy worked at Bank of America, N.A. and Equitable Advisors, LLC. Outside of finance, Sandy works as a delivery driver for GG's Pizza in Rochester, NY. Merrill, through its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ruth Banegas is a financial advisor with Primerica Advisors, holding a Series 63 designation and possessing 10 years of industry experience. She has worked with PFS Investments Inc. since 2016 and with Primerica Financial Services since 2015. Outside of her advisory role, she is involved in sales of loan products and home-related services referrals through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with thousands of advisors and offices, offering model-based investment strategies managed by unaffiliated asset managers and supported by established custodians and overlay managers.

Jacob Barragato is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and four years of industry experience. He previously worked at Cudlipp Financial Services, Inc. and Fairport Federal Credit Union. Based in Rochester, NY, he has been with Ameriprise since 2019. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written Recommendation Reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Paul Winkler is a financial advisor with LPL Financial in Rochester, NY, holding Series 63 and Series 66 designations and having 18 years of industry experience. He has been with LPL Financial since 2010 and is also involved with ESL Investment Services. 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 services including financial planning and access to model portfolios, supported by a large network of advisors and extensive operational resources.

John Casey is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 designation and previously worked at M&T Bank and Empire Valuation Consultants. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process combines quantitative screens with qualitative research and incorporates ESG eligibility, supported by affiliated implementation and portfolio services.

David Hall is a financial advisor with Merrill holding a Series 66 designation and four years of industry experience. He has worked at Merrill and Bank of America since 2021 and 2022, respectively. Prior to his financial advisory roles, he held positions in education and hospitality, including at St. Mary's High School and Hilton Garden Inn. Merrill serves a wide range of clients, including individuals, retirement plans, corporations, and institutional investors, providing managed account programs, discretionary portfolio management, and brokerage execution. The firm emphasizes manager selection and monitoring through multiple investment program strategies and leverages deep integration with Bank of America affiliates for a broad spectrum of financial services.

Susan Nieznanski is a CFP®-designated financial advisor with LPL Financial, bringing 25 years of experience in the industry. She has worked at M&T Bank since 1996 and has been with LPL Financial since 2021. In addition to her advisory work, she is a commissioned Notary Public. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, and institutions. The firm offers a broad range of financial planning and investment management services, utilizing both proprietary research and third-party strategies, and supports a large network of advisors across diverse platforms.

Jason Duga is a financial advisor with LPL Financial in Rochester, NY, holding a Series 66 designation and bringing 26 years of industry experience. Prior to joining LPL Financial in 2018, he spent 11 years at Invest Financial Corporation. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services through a large network of representatives to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management services, utilizing both proprietary research and third-party strategies.

Mark Stephany is a financial advisor at RBC Capital Markets with eight years of industry experience. He holds Series 66, Series 63, and Series 65 licenses. Prior to joining RBC Capital Markets in 2025, he worked for First American Equipment Finance for ten years and Merrill for two years. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers various advisory programs with tailored investment strategies implemented through both in-house and third-party managers.

Ryan Schwedfeger is a financial advisor with J.P. Morgan Securities in Rochester, NY, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. He has been with J.P. Morgan Securities since 2012 and Jpmorgan Chase Bank, N.A. since 2010. Outside of his advisory role, he is the owner of Altitude Acres LLC. 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 and fund searches, and customized performance reporting. The firm’s advisory process integrates quantitative screens, qualitative research, and forward-looking capital market assumptions to develop model asset allocations.

Joe Elia is an Investment Consultant at Fidelity Investments, where he collaborates with clients to develop personalized financial plans that align with their goals and values. He has been with Fidelity Investments since 2025. Prior to his current role, Joe worked as a Financial Advisor at 457 Plan Service Group from 2024 to 2025, and as a Financial Service Representative at the same firm from 2022 to 2024. His professional experience spans various roles in financial advising and investment consulting. Outside of his professional career, Joe enjoys family activities, fitness, golf, hiking, soccer, and traveling.

Joshua Lambert is a financial advisor with LPL Financial in Rochester, NY, holding the CFP® designation and Series 63 and 65 licenses. He has five years of industry experience, including roles at ESL Investment Services, LLC, ESL Federal Credit Union, and Northwestern Mutual. Lambert also serves as a notary public as an outside business activity. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing 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, combining advisory platforms with extensive non-advisory financial activities.

Sheldon Walker is a financial advisor with LPL Financial, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 30 years of industry experience and has been with LPL Financial and ESL Investment Services, LLC since 2015. 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 institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by advanced operational tools and extensive non-advisory financial activities.

Jeffrey Altomari is a financial advisor at Wells Fargo Advisors with 35 years of industry experience. He holds Series 63 and Series 65 designations and has been with Wells Fargo Advisors since 2013. Outside of his primary role, he is co-trustee and 50% owner of Hudson Valley Financial Group, where he is involved in managing 401(k) plans. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutions, offering a broad range of planning options and integrating advisory services with various financial products and referral channels.