Margaret Whelehan is a CFP® professional with 24 years of industry experience, currently advising at Cetera since 2018. She also serves as a relationship manager and divorce planning specialist at Canandaigua National Bank, providing consulting services for divorce analysis using her CDFA certification. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, and institutional accounts, offering a range of portfolio management and financial planning services through a large network of independent advisors.

Loree Harpole is a financial advisor with LPL Financial in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. Prior to joining LPL Financial in 2025, she worked at Capitol Securities Management, Lincoln Investment, and several other firms. Outside of her advisory work, she is also an artist and musician. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Timothy Mc Donald is a CFP® professional with 31 years of industry experience, currently serving at Charles Schwab since 2010. His work history includes roles at both Charles Schwab Bank, SSB and Charles Schwab. Charles Schwab & Co., Inc. serves a large client base, 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 offers a combination of non-discretionary and discretionary investment guidance using multi-asset model portfolios, supported by centralized custody and an established alternative-investment program.

Mary Fairchild is a CFP® professional affiliated with Ameriprise, with 30 years of industry experience. She has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2010. Outside of her primary role, she is also an Associate Financial Advisor at Council Rock Associates, LLC in Rochester, NY. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet certain asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary, written recommendations through a centralized consulting team.

John Best Jr. is a CFP® professional with 24 years of industry experience currently serving at Raymond James Financial Services Advisors, Inc. He previously worked at Lincoln Financial Advisors for 15 years and Commonwealth Financial Network for six years. He is also involved with Best Times Financial, a support company he started in 2019. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual and high-net-worth clients, corporations, and institutional clients. The firm employs tailored, non-discretionary planning and analytical tools to align strategies with client goals and supports municipal advisory services through a unique affiliation uncommon among large institutional advisors.

Donald Burger is a financial advisor at OSAIC with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has worked primarily with Securities America Advisors and Securities America, Inc. prior to joining OSAIC. Outside of advisory services, he is also involved in life insurance sales and servicing through KAFL Insurance Resources. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through an extensive network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers. The firm utilizes asset-allocation tools and automated rebalancing to manage portfolios that may include various asset classes, and supports both discretionary and non-discretionary account management.

Suzanne Schmitz Laese is a financial advisor at LPL Financial with 34 years of industry experience. She holds the Series 63 designation and has been with LPL Financial since 2004. Outside of advising, she serves as the board president for the Empire State Lyric Theatre, a nonprofit opera company. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network. The firm offers a wide range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Robert Chapman is a financial advisor at Cetera with 26 years of industry experience. He holds the PFS™ credential and Series 63 license. In addition to his advisory role since 2000, he serves as president of Chapman & Co CPA, P.C., an accounting and tax practice active since 1998, and he oversees payroll and benefits processing at New York Payroll Relief Corp. Chapman is also involved in jewelry design and sales through Hearts Embraced, LLC. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options, including discretionary and non-discretionary services, and provides access to affiliated and third-party money managers.

David Locurcio is a financial advisor at LPL Financial with 40 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Neubert Financial Services and Cadaret, Grant & Co., Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a nationwide network of advisers. The firm provides a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management and offering model portfolios supported by internal and third-party research.

Robert Levine is a financial advisor at LPL Financial with 34 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked with Post Resch Tallon Group Inc. and Cadaret, Grant & Co., Inc. since 2009. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios from various sources.

Laurelle Byrne Cody is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. She holds the Series 66 designation and has previously worked at Bank of America, N.A. and Merrill. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets.

Kari Pestorius is a financial advisor with Morgan Stanley in Pittsford, NY, holding Series 63 and Series 66 licenses and having 19 years of industry experience. She has been with Morgan Stanley and its affiliated entities since 2008. Morgan Stanley Wealth Management provides a range of advisory programs to both individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services through financial advisors and estate planning groups.

Sydney Charleton is a Series 66-licensed financial advisor at Osaic Wealth, Inc. with one year of industry experience. Prior to joining Osaic, Charleton worked at Lincoln Financial Advisors Corporation and held positions at BC Navigator Financial LLC and Gap Inc. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools, risk tolerance assessments, and multiple investment platforms to construct portfolios that include a wide range of securities managed on discretionary or non-discretionary bases.

Matthew Case is a financial advisor at Stifel with 14 years of industry experience. He holds Series 63 and Series 66 credentials and previously worked at TIAA-CREF for 12 years. Outside of his advisory role, he serves as a board alternate on the Honeoye Falls Conservation Board, where he advises on environmental issues and supports local events. Stifel serves a broad range of clients including individuals, institutions, and nonprofit organizations, offering both brokerage and advisory services. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and planning analyses.

William Morris is a Financial Consultant at Fidelity Investments, where he has worked since 2011 in various roles. His current position involves collaborating with clients to understand their financial goals and assessing their progress towards these goals. He utilizes Fidelity's resources and his experience to develop financial plans aimed at maximizing clients' fulfillment throughout their lives. Prior to his current role, William has held positions including Retirement Solutions Representative, Central Relationship Manager, Investment Solutions Representative, Premium Relationship Associate, College Planning Specialist, and Securities Trader, all within Fidelity Investments. This progression reflects over a decade of experience in financial services, with a focus on investment and retirement planning. No specific information about William's educational background or personal interests has been provided.

Joanne Alaimo is a financial advisor with Merrill based in Pittsford, NY, holding Series 63 and Series 65 designations and with 39 years of industry experience. She has worked at Merrill and Merrill Lynch PFS Inc since 1986 and has also been with Bank of America, NA since 2009. Outside of her advisory role, she is the owner of Tacoma Properties LLC. 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 plans, corporations, and charitable organizations.

Joseph Tobin is a CFP® professional with 27 years of industry experience, currently serving with Wells Fargo Clearing since 2016. Prior to that, he worked at Wells Fargo Advisors LLC from 2009 to 2016. He is involved in community activities as an investment committee member for Rochester Rotary and serves on the finance committee of the Mary Cariola Children’s Center. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm follows an IPS-driven advisory process grounded in modern portfolio theory and acts as an ERISA fiduciary when providing investment advice.

John Mccarthy is a financial advisor at LPL Financial with 34 years of industry experience. He holds the Series 63 and Series 65 designations and previously worked at Cadaret, Grant & Co., Inc. for 12 years. Mccarthy is also involved with Spero Financial Services, an affiliated business related to his LPL activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios and third-party research, while also providing insurance products and credit solutions.

Matthew Piaseczny is a financial advisor with OSAIC, holding the ChFC® designation and Series 63 license, with 15 years of industry experience. His prior roles include positions at Northwestern Mutual and Securities America Advisors. He is a managing member of Dash Tax, LLC, a tax preparation firm he co-owns with two partners, and a partner at Dash Capital Advisors, a financial planning and investment services DBA. OSAIC serves a diverse client base, including individual and high-net-worth investors, corporations, and charitable organizations, offering integrated brokerage, advisory, and retirement plan consulting services through a wide network of affiliated advisors and multiple platforms. The firm employs firm-provided tools such as asset allocation models and automated rebalancing to design portfolios that may include a variety of asset types managed discretionary or non-discretionary.

Karen Verrone is a Wealth Management Advisor at Merrill Lynch Wealth Management, coordinating the financial affairs for a select group of families and businesses in the Rochester, NY area. She employs a goals-based wealth management process to address the financial priorities and concerns relevant to her clients, their families, or their businesses. Karen leverages Merrill’s extensive network of wealth management planning and investment resources, working alongside a team of specialists to provide personalized advice and guidance to help clients pursue their financial goals. Karen began her career in the financial industry in 1977 at Merrill. She holds the CERTIFIED FINANCIAL PLANNER (CFP) certification, the Chartered Retirement Planning Counselor (CRPC) designation, as well as the Personal Investment Advisor (PIA) credential. She earned a bachelor's degree from SUNY Brockport, where she also coached track and speedskating. Karen lives in Webster, NY with her husband, Robert, and they have three children. She serves as president of the Rochester Speed Skating Club and organizes and volunteers in teaching speed skating to kids in her community.