Victoria Bach is a financial advisor with OSAIC based in Pittsford, NY, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. Her career includes prior roles at Securities America Advisors, Inc. and Wall Street Financial Group, Inc. She serves as a FINRA industry arbitrator and disciplinary panelist and is co-owner and instructor at Flower City Danc, a local LLC where she also contributes capital and handles some administrative duties. OSAIC Wealth serves a diverse client base including retail and institutional investors, retirement plan sponsors, charities, and corporate clients. The firm offers a multi-advisor platform with brokerage and advisory services, utilizing model-based asset allocation, portfolio optimization, and a range of programs including Unified Managed Accounts and third-party money manager options.

Zachary Daigle is a financial advisor at LPL Enterprise with one year of industry experience and holds the Series 66 designation. His prior experience includes roles at Pruco Securities LLC and Hartwell Financial Strategies. Outside of his advisory work, he has been involved with 5 Points Wine and Liquor and works part-time as a DoorDash driver. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors, retirement plans, and institutions. The firm primarily uses model-driven investment implementation and offers access to third-party asset managers, financial planning, and affiliated trust and insurance services.

Steven Whittemore is a financial advisor with OSAIC, holding a Series 66 license and three years of industry experience. He has worked at OSAIC and Securities America Advisors, and his background includes roles in education within the Fairport and Arkport Central School Districts. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering a range of brokerage and advisory services, including comprehensive financial planning, managed portfolios, and retirement plan consulting. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization supported by risk management tools and multiple program offerings.

Kyle Arena is a financial advisor at LPL Enterprise with one year of industry experience. He holds the Series 66 designation and previously worked at MJS Insurance Agency, LLC, Northwest Bank Corp, and New York Life Insurance Co. Outside of his advisory role, he works as a waiter at Oak & Apple Cidery in Penfield, NY. LPL Enterprise serves a broad range of clients including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm provides financial planning, access to third-party asset managers, and operates a model-driven investment approach supported by in-house research and external portfolio strategists.

Matthew Huber is a financial advisor at Stifel with a Series 66 credential and one year of industry experience. His prior work includes roles at ServiceNow, Inc., IZEA Worldwide, Inc., UBS Financial Services Inc., and various companies outside financial services. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services supported by a proprietary investment strategy methodology developed by its Investment Strategy Group.

Michael Perrone is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. He holds the Series 66 designation and previously worked for Stifel Nicolaus & Co. Inc. from 2015 to 2023. Perrone serves on the Board of Trustees for Nazareth University, where he participates in financial oversight and strategic planning. 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 approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Kyle Smith is a Series 66-registered financial advisor with one year of experience, currently affiliated with Cetera in Pittsford, NY. He has a background that includes roles at Canandaigua National Bank and Trust and Cetera Investment Services LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individual investors, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a large network of independent advisors, utilizing both affiliated and unaffiliated third-party managers across multiple program structures.

Edward Lipski is a CFP® certificant with 26 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2016. He previously worked at RBC Capital Markets from 2005 to 2007. Outside of his advisory role, he serves on the finance committee of Habitat for Humanity in Rochester, NY, where he monitors and reviews financials. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to a broad client base including individuals, corporations, and institutions. The firm uses research and analytics to guide investment decisions and offers both brokerage and advisory solutions.

Jacqueline Scheible is a financial advisor with Merrill in Fairport, NY, holding a Series 66 designation and 13 years of industry experience. Her career includes roles at Merrill from 2013 to 2015 and again from 2017 to the present, as well as at AXA Advisors, LLC from 2015 to 2017, and Bank of America, N.A. since 2017. 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 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 and third-party managers.

Alissa Lusardi is a financial advisor at OSAIC with five years of industry experience. She holds a Series 66 designation and previously worked at Securities America Advisors and Northwest Bank. Outside of her advisory role, she performs compliance and supervision duties as a supervision analyst for Evolution Financial Advisors. OSAIC Wealth serves a broad mix of retail and institutional clients, offering brokerage and advisory services across several programs including comprehensive financial planning and retirement plan consulting. The firm’s investment process centers on model-based asset allocation and portfolio optimization, supported by various tools and a multi-advisor platform.

Deana King is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and 35 years of industry experience. She has worked at Cetera Investment Advisors LLC, Cetera Investment Services LLC, and The Canandaigua National Bank and Trust Co since 2021, following 15 years at M&T Securities, Inc. She also serves as a compliance officer and referrer for Canandaigua National Bank & Trust. Cetera Investment Advisers LLC is an SEC-registered firm with a nationwide network of over 10,000 advisors, serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services, utilizing multiple program structures and third-party managers.

David Gibbons is a financial advisor with Cetera in Pittsford, NY, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked at Cetera since 2017 and previously worked at M&T Securities from 2012 to 2017. Outside of his advisory role, Gibbons serves as Director of Business Development for Canandaigua National Bank & Trust and is chairman of the board for Canandaigua National Bank Insurance Agency. He is also a board member of the Tennis Club of Rochester. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services across multiple program structures, with more than 10,000 advisors and over $256 billion in assets under management.

Kathryn Higgins is a financial advisor at OSAIC with 11 years of industry experience. She holds the Series 66 designation and has worked at firms including Manning & Napier and Royal Alliance Associates. Since 2020, she has also operated a sole proprietorship as a financial consultant. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, comprehensive financial planning, and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization, providing advisors with a range of discretionary and third-party managed strategies.

David Guadagnino is a financial advisor at Merrill with 33 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Merrill since 1993 and Bank of America, N.A. since 2009. He serves on the board and audit committee of a local nursing home and elder care facility foundation. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Samantha Cotter is a financial advisor at Merrill with eight years of industry experience. She holds a Series 66 designation and has been with Merrill since 2016. 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 investment strategies and serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Christina Battista is a financial advisor at Merrill with seven years of industry experience. She has held roles at AVI FoodSystems, Faculty Student Association Centre Pointe, SUNY Fredonia, and Old Navy prior to joining Merrill in 2018. 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 serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Andrew Comins is a ChFC® credentialed financial advisor with 47 years of industry experience. He currently works at OSAIC and was previously with Lincoln Financial Advisors Corporation for 27 years. He is also licensed to sell term, non-variable life, and long-term care insurance through a local Rochester brokerage. OSAIC serves a diverse client base, including retail and institutional investors, offering both brokerage and advisory services through a multi-advisor platform with a model-based investment process emphasizing asset allocation and portfolio optimization.

Ryan Joslyn is a Wealth Management Advisor at Merrill Lynch Wealth Management. He focuses on a goals-based wealth management approach, reviewing all aspects of a client's life to implement disciplined wealth management processes. Ryan leads planning efforts around concentrated equity positions, tax-efficient divesting strategies, and securities-based lending. Ryan holds several professional designations, including Accredited Wealth Management Advisor (AWMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned his Bachelor's degree from Saint Bonaventure University, where he studied Finance and Economics. Outside of his professional work, Ryan enjoys fishing, skiing, and traveling. He is also involved with Ducks Unlimited.

Heather Goodbody is a Private Wealth Advisor with Merrill Lynch Wealth Management, based in Rochester, New York. She manages the financial affairs of a group of families and collaborates with individuals to align their wealth with their hopes, goals, and values, focusing on areas such as family wealth management strategies, legacy planning, liquidity management, philanthropic planning, and socially responsible investing. Heather holds professional designations including Certified Exit Planning Advisor (CEPA) and Certified Plan Fiduciary Advisor (CPFA). Heather has been recognized by several organizations for her work, including being named to the Forbes Best-in-State Wealth Advisors list from 2018 through 2025 and to the Forbes Top Women Wealth Advisors Best-in-State list for multiple years. She was also named to Working Mother/SHOOK Research's Top Wealth Adviser Moms list from 2017 to 2021. She holds a Bachelor's Degree from Daemen College and completed an accredited certificate program at New York University. In addition to her professional career, Heather has been actively involved in community organizations. She has served as a board member and trustee for the Golisano Children's Hospital at Strong and the Rochester Museum & Science Center, among others. Heather has also held leadership roles with the Merrill Lynch Women's Exchange and served as chair of the Board of Trustees for Our Lady of Mercy School for Young Women. She lives in Rochester with her husband John and their two sons.

Michael Santomauro is a financial advisor at Merrill with 10 years of industry experience. He holds a Series 66 designation and has been with Merrill since 2014. The firm, 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.