John Hatton is a financial advisor at Charles Schwab with one year of industry experience. He holds a Series 66 designation and previously served seven years in the US Army before transitioning to a career in financial services. He also spent two years in full-time education prior to joining Schwab. 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, delivering investment guidance through multi-asset model portfolios and a centralized operational structure.

Melody Dehond is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. She previously worked at UBS Financial Services and Merrill. Outside of finance, she is employed as a cashier and greeter at Ulta in Webster, New York. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm employs structured planning tools and incorporates various investment resources but generally acts in an advisory capacity without providing individual security recommendations as part of standalone financial plans.

Brian Cox is a financial advisor at Charles Schwab with two years of industry experience. He holds the Series 66 designation and has a background that includes service in the U.S. Army and roles at Paychex Inc and IDEX Health and Science. Outside of finance, he worked at K2 Brothers Brewing. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts. The firm offers both non-discretionary and discretionary advisory services using multi-asset model portfolios supported by Schwab’s research and operational infrastructure.

Charles Larocco Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He previously worked at Commonwealth Financial Group and Cadaret, Grant & Co., Inc. Larocco is also involved in trustee roles and operates a radio and podcast business called CFG Money Docs. 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 financial planning and portfolio management solutions, leveraging both proprietary research and third-party strategies.

Donna Sudyn is a financial advisor with Cambridge Investment Research Advisors in Rochester, NY. She holds Series 63 and Series 66 licenses and has 38 years of industry experience. Her prior work includes positions at Securities America Advisors and Key Investment Services LLC. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension funds, and charitable organizations, providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a wide network of financial professionals and multiple account platforms.

David Stalker is a financial advisor with Primerica Advisors in Canandaigua, NY, holding a Series 63 designation and 19 years of industry experience. He has been with Primerica Advisors since 2008 and has worked with Primerica Financial Services since 2001. Outside of his financial advisory role, he is a partner and brewer at Disbatch Brewing Company in Macedon, NY. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure, with portfolio implementation delegated to BNY Mellon Advisors.

Michael Dattilo is a Financial Consultant at Fidelity Investments, where he leads a team that collaborates with clients to develop comprehensive financial plans tailored to their unique goals. His approach emphasizes a collaborative planning process to support clients in managing their wealth both currently and in the future. Michael and his team focus on building meaningful relationships to assist clients in navigating their financial journeys. Michael's professional experience includes roles at Fidelity Investments since 2022, initially as a Planning Consultant before becoming a Financial Consultant in 2024. Prior to this, he held positions as a Licensed Relationship Manager at Key Investment Services, a Registered Client Service Associate and Corporate Stock Plan Analyst at UBS Financial Services, and various roles at Citizens Securities Inc and Citizens Bank from 2012 through 2017. Outside of his professional career, Michael has personal interests that include board games, comedy, concerts, cooking and baking, football, and movies.

Sharla Englerth is Vice President and Financial Consultant at Fidelity Investments, a role she has held since 2021. She has been with Fidelity Investments since 2017, progressing through positions including Financial Consultant and Investment Consultant. Prior to her tenure at Fidelity, she gained experience as a ParaPlanner at Ameriprise Financial from 2014 to 2017, and held financial representative roles at American Portfolios and Centra Financial Group between 2009 and 2014. Throughout her career, Sharla has worked closely with clients and their families to understand their financial goals and develop strategies tailored to their needs. She is committed to creating and executing financial plans that provide peace of mind for her clients. Fidelity Investments is recognized as a trusted brand in the financial industry, offering options for a variety of investor styles. Outside of her professional career, Sharla has interests in art, hiking, horseback riding, pets, reading, and yoga.

Bill Dean is the Vice President, Wealth Planner at Fidelity Investments. In this role, he collaborates with clients to develop financial plans tailored to their family's specific needs, emphasizing trust, communication, and a clear understanding of their goals. Bill has a comprehensive background at Fidelity Investments, having held various positions since 2010. His career progression includes roles as Financial Representative, Investments Solutions Representative, Investments Representative, Financial Consultant, Vice President Regional Planning Consultant, and currently Vice President, Wealth Planner. This experience contributes to his expertise in wealth planning and financial consulting. Outside of his professional work, Bill enjoys cooking and baking, participating in family activities, fitness, football, outdoor adventures, and traveling.

Nikolas Sirvent is a Series 66-registered advisor with LPL Financial in Victor, NY. He has one year of industry experience, with prior roles including Equitable Advisors, LLC and ESL Federal Credit Union. Outside of finance, he has been involved with Wren's Roost Wedding Venue since 2022. 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 and brokerage services, including financial planning and access to third-party asset management, supported by a wide network of investment adviser representatives.

Cobie Beach is a CFP® with four years of industry experience, currently serving as a financial advisor at Charles Schwab in Pittsford, NY. Prior to joining Charles Schwab, Beach held various roles including positions in sports entertainment and management. 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 both non-discretionary and discretionary investment options supported by multi-asset model portfolios and a centralized operational structure.

Michael Cregan is a financial advisor at Morgan Stanley with 30 years of industry experience. He has been with Morgan Stanley since 2013 and has worked at Morgan Stanley Private Bank, National Association since 2015. He holds Series 63 and Series 65 licenses. 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 advanced modeling tools and a structured discovery process.

Adam Graves is a financial advisor with Wells Fargo Clearing in Pittsford, NY, holding Series 63 and Series 66 licenses and 14 years of industry experience. His prior work history includes positions at LPL Financial, Finmason, 55IP, MBSC Securities, Columbia Management Investment Advisers, and Manning & Napier. 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 manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Timothy Warnett is a financial advisor at LPL Financial with 32 years of industry experience. He holds a Series 63 designation and has worked at Rw Lloyd Financial and Cadaret, Grant & Co., Inc. Prior to joining LPL Financial in 2025, he spent nearly two decades at these firms. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers.

William Kablack Jr. is a financial advisor with Stifel who holds a Series 66 designation and has 14 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2016, totaling 10 years at the firm. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm uses a proprietary investment methodology to support its analysis and allocation guidance, and provides a range of financial planning and advisory services.

Brett Holley is a financial advisor with Charles Schwab who holds a Series 66 credential and has 18 years of industry experience. His prior work includes positions at TD Ameritrade, Scottrade, and Charles Schwab Bank. Outside of his advisory role, he owns a business involved in real estate and short-term rentals. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering integrated wrap fee advisory, brokerage, and custody services through both non-discretionary and discretionary investment programs.

John Halleran, Jr. is a financial advisor with LPL Financial in Fairport, NY, holding a Series 63 designation and 35 years of industry experience. He has been with LPL Financial since 2007, including its predecessor LINSCO/PRIVATE LEDGER CORP., and briefly worked at UBS Financial Services in 2007. 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 financial planning and asset management services, utilizing model portfolios, third-party subadvisors, and advanced advisor tools across a large network of advisors.

Patricia Collins is a financial advisor with LPL Financial who holds a Series 63 designation and has 41 years of industry experience. She has been with LPL Financial since 2004. Collins is involved in a business entity, Collins & Laese LLC, which serves tax and investment purposes but is not investment-related. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset management.

Henry Smith is a Series 66-licensed financial advisor with one year of industry experience. He is currently with Cambridge Investment Research Advisors and previously worked at Equitable Advisors and Cetera Advisors. Prior to his advisor roles, he was involved with Boston College Recreation and other local organizations. Cambridge Investment Research Advisors, Inc. serves a diverse range of individual and institutional clients, including pension and charitable organizations, providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm offers access to multiple platforms and third-party advisers while managing a multi-billion dollar asset base.

Brian Gaffney is a financial advisor with J.P. Morgan Securities based in Rochester, NY, holding a Series 66 designation and 20 years of industry experience. His career includes roles at JPMorgan Chase Bank, N.A., J.P. Morgan Securities, Chase Investment Services Corp., and Morgan Stanley. 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 searches, and customized performance reporting, supported by centralized due diligence and a manager solutions team.