John Wade is a CFP® and holds a Series 66 license, with 10 years of industry experience. He has been with Ameriprise since 2016, currently serving at Ameriprise Financial Services, LLC. In addition to his advisory work, he maintains a business involvement with Cline Road LLC, which manages property-related activities. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice, emphasizing dependable income sources and tax-aware withdrawal strategies.

Mark Kluge is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at OSAIC since 2024. Prior to this, he was with Securities America Advisors, Inc. from 2016 to 2024 and has been a principal at Blaustein, Dicesare, Kluge & Associate, LLC since 2005. He is involved in several charitable and educational advisory councils, including the Professional Advisory Council of the University of Rochester and the United Way of Greater Rochester's Professional Advisory Council. OSAIC serves a wide range of retail and institutional clients, including high-net-worth individuals and charitable organizations, offering integrated brokerage, investment advisory services, retirement plan consulting, and access to third-party money managers and wrap programs. The firm utilizes asset-allocation tools, risk-tolerance analysis, and automated rebalancing to construct diversified portfolios across various asset classes.

Michelle Lavigne is a CFP® professional with 40 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors since 2012. She holds Series 63 and Series 65 licenses and is based in Rochester, NY. Beyond her advisory role, she acts as a co-trustee and power of attorney for her spouse’s investment-related matters and serves as a notary public in Denver, CO. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including specialized areas such as business-owner transition and sports and entertainment planning, utilizing research and planning tools to develop tailored client recommendations.

Michael Kustigian is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 11 years of industry experience. He previously worked at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. for six years. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its recommendations.

Alan Cooper is a financial advisor with J.P. Morgan Securities in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. He has been with J.P. Morgan Chase Bank and J.P. Morgan Securities since 2010. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

James Wehrle is a financial advisor with LPL Financial in Rochester, NY, holding a Series 66 designation and 25 years of industry experience. He has worked at LPL Financial since 2018 and previously spent seven years at Invest Financial Corporation. Wehrle is also a partner at Flaherty Salmin CPAs, where he is involved in tax preparation and accounting. Additionally, he has interests in an indoor athletic facility and real estate partnerships. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning services, and utilizes model portfolios and research from multiple sources to support diversified investment strategies.

Francis Wershing Jr. is a CFP® professional with 37 years of industry experience, currently affiliated with Cambridge Investment Research Advisors. He has been with the firm since 2011 and also maintains a long-term role at Greece Central School. Outside of advising, he serves on the board of the Hochstein School of Music and Dance and is an author. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts by providing financial planning, investment management, and retirement advisory services through a broad network of independent professionals. The firm supports multiple investment platforms and offers both proprietary and third-party strategies tailored to client objectives.

Michael Sellars is a financial advisor with Ameriprise Financial Services in Rochester, NY, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. His prior roles include positions at KeyBank, Key Investment Services, and JPMorgan Chase Bank. Sellars serves as President on the Board of Directors for ROC Cystic Fibrosis Awareness, Inc. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized retirement income service focused on dependable income sources and tax-aware withdrawal strategies for clients approaching or in retirement.

Daniel Willoth serves as Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2016. In this role, he guides clients through all life stages, working collaboratively to create plans aimed at achieving their financial goals. His Chartered Financial Analyst® designation provides him with a distinctive perspective on complex financial situations, goals, and the current market environment. With over 20 years of industry experience, Daniel's background includes roles as a Portfolio Analyst at PIMCO from 2013 to 2016, an Internal Wholesaler at AIG SunAmerica from 2007 to 2013, and a Financial Advisor at Oppenheimer & Co. from 2005 to 2007. He holds a California Insurance License.

Ryan Miller is a CFP® professional based in Rochester, NY, with 10 years of industry experience. He currently works with LPL Financial and has previously held roles at OSAIC, Cadaret, Grant & Co., and Manning & Napier. Miller is also involved with Lawley, LLC, an insurance agency. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management strategies supported by proprietary research and third-party resources.

Michael Ferron is a financial advisor with Cambridge Investment Research Advisors and holds a Series 63 designation. He has 23 years of industry experience and has been associated with Cambridge Investment Research Advisors since 2011. Ferron is also president of Michael P. Ferron, CPA, P.C., providing tax preparation, accounting, estate planning, and small business consulting services, and serves as vice president of Ferron Norris Financial Inc. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, trusts, and estates. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent financial professionals and employs multiple investment platforms and strategies tailored to client objectives.

Stephen Gaudino is a financial advisor with LPL Financial in Rochester, NY, holding a Series 63 designation and 12 years of industry experience. He has been with LPL Financial since 2018 and previously worked at Invest Financial Corporation. He operates The Gaudino Group and maintains a CPA practice, Stephen Gaudino CPA, CFP, which he has held since 2007. 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 wide range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research resources.

Joseph Johansen is a Planning Consultant at Fidelity Investments, a role he has held since 2025. In this position, he partners with clients and their Financial Consultants to develop comprehensive financial plans tailored to their current goals and aspirations, aiming to support their pursuit of future success. Prior to his current role, Joseph gained experience as a Relationship Manager and Financial Representative at Fidelity Investments from 2023 to 2025. Before joining Fidelity, he worked as a Private Client Banker at JPMorgan Chase from 2021 to 2023.

Nicholas Lennon is a CFP® professional with 13 years of industry experience, currently affiliated with RBC Capital Markets in Rochester, NY. He has worked at RBC Capital Markets since 2013 and previously at City National Bank beginning in 2019. Lennon serves on the Board of Directors for The Victor Chamber of Commerce, a local business organization focused on community and economic development. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers tailored investment advisory programs that integrate in-house and third-party managers, with access to capital markets and alternative investment opportunities.

Connor Leverett is a financial advisor with RBC Capital Markets in Rochester, NY. He holds a Series 66 designation and began his advisory career in 2026. Prior to joining RBC Capital Markets, he worked at KPMG, London Stock Exchange Group, HSBC, and held various roles in both corporate and academic environments. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs featuring discretionary and non-discretionary portfolio management, tailored to clients’ risk profiles and incorporating in-house and third-party investment managers.

Timothy Cortina is a financial advisor at Primerica Advisors in Rochester, NY, holding a Series 63 designation with 10 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2015 and also works at Paychex since 2005. Outside of his advisory role, he is involved in sales of loan products and home-related services through affiliated companies of PFS Investments Inc. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure, focusing on personalized portfolio management rather than institutional plan management.

Richard Harter is a financial advisor with Osaic Wealth, Inc., holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He previously worked at Securities America Advisors, Inc. and Securities America, Inc. for eight years. Harter is a partner in a joint marketing website focused on financial planning and insurance sales and serves as treasurer for the Brighton Campus Park Condominium Association. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm offers integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers, utilizing sophisticated asset-allocation tools and multiple investment platforms.

Carmen Caruso II is a CFP® certificant affiliated with OSAIC in Rochester, NY, with five years of industry experience. His prior roles include positions at Del-Sette Capital Management, Taconic Advisors, and other firms. OSAIC serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services supported by various asset-allocation tools and third-party managed account solutions. The firm is notable for its complex corporate structure resulting from multiple mergers and its use of a wide range of commercial arrangements.

Philip Hofmeister is the Vice President, Wealth Planner at Fidelity Investments, a position he has held since 2022. In this role, he collaborates with clients to develop wealth strategies aimed at achieving their financial goals. Prior to this, he served as a Financial Consultant at Fidelity Investments from 2021 to 2022. Philip has extensive experience in the financial services industry, having worked in various capacities including Branch Manager at Charles Schwab from 2015 to 2021, Senior Account Executive at Fidelity Investments between 2012 and 2015, Account Executive from 2007 to 2012, and in Premium Services at Fidelity Investments from 1998 to 2007. Outside of his professional work, Philip engages in activities such as badminton, hiking, running, reading, volunteering, and spending time with his family.

Paul Beck is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with RBC Capital Markets since 2012. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers various wrap fee advisory programs with discretionary and non-discretionary portfolio management, tailoring strategies to each client’s risk profile and utilizing both in-house and third-party investment managers.