Harold Shill is a CFA® charterholder with four years of industry experience, currently advising at Wealth Enhancement Advisory Services, LLC. He previously spent 30 years with QCI Asset Management, Inc. Outside of his advisory role, Shill is the founder of the Molly & Ed Shill Cares Foundation and serves as co-chair of the capital campaign for Lollypop Farm, as well as an honorary board member of the Willow Domestic Violence Center. Wealth Enhancement Advisory Services serves individuals, high-net-worth clients, corporations, and retirement plans by providing financial planning, asset management, and retirement-plan consulting through a large advisor network managing over $122 billion in assets. The firm employs a diversified, risk-class based investment approach blending passive and active management with oversight from an internal Investment Committee.

Peter Owh is a financial advisor with J.W. Cole Advisors, Inc., holding a Series 66 designation and 25 years of industry experience. His prior roles include positions at Hornor Townsend & Kent Inc and Penn Mutual Life Insurance Company, where he worked for 11 years. He also serves as Chief Operating Officer of Champlin & Associates, a financial services firm. J.W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a national network of over 400 independent investment adviser representatives. The firm offers portfolio management, fee-based financial planning, access to third-party managers, and various managed account solutions, with investment decisions implemented on discretionary or non-discretionary bases.

Robert Barley Jr. is a financial advisor with J.W. Cole Advisors, Inc. in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. His prior roles include positions at LPL Financial and Private Advisor Group, LLC. Outside of his advisory work, he serves on the Town of Henrietta Town Council and is the board treasurer for the Tim Horton’s Ice Plex hockey arena. J.W. Cole Advisors is an SEC-registered investment adviser that serves individuals, charities, corporations, and retirement plans through a national network of over 400 independent investment adviser representatives. The firm offers portfolio management, fee-based financial planning, access to third-party managers, and various managed account solutions implemented on discretionary or non-discretionary bases.

Frank Randall is a financial advisor at Primerica Advisors with five years of industry experience. He holds the Series 66 designation and has worked at Park Avenue Securities and Guardian Life Insurance Company. Randall has also been involved with Allstate Roofing and More LLC. Primerica Advisors serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers a range of brokerage and advisory services, utilizing proprietary and third-party investment strategies across various account types.

Caleb Harris is a CFP® professional with one year of experience at Allworth Financial, L.P. in Rochester, NY. He previously worked at High Falls Advisors Inc. for four years and has a background that includes time at Delta Sonic Car Wash. Allworth Financial is a fee-based SEC-registered adviser serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm utilizes customized portfolios with various model strategies and employs technology to manage held-away employer retirement accounts.

Daniel Masino is a financial advisor with Commonwealth Financial Network in Rochester, NY. He holds the Series 66 designation and has three years of industry experience. His prior roles include positions at Angelo Planning Group, OSAIC, and Gordon Brothers Group, as well as work experience with the University of Rochester and Bloomberg LP. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a range of advisory programs and back-office services, including investment management and practice-management support, allowing advisors discretion in constructing client portfolios from diverse securities and insurance products.

James Keys is a financial advisor with Steward Partners Investment Advisory, LLC, holding a Series 66 designation and 21 years of industry experience. He has previously worked at Ameriprise Financial Services, LLC and Wells Fargo in various advisory roles. In addition to his work with Steward Partners, Keys is an Associate Advisor at CNMK Operational Support, LLC, where he manages an advisory business. Steward Partners Investment Advisory, LLC is an enterprise-scale registered investment adviser managing approximately $36.7 billion in assets, serving individuals, pension plans, corporations, trusts, estates, and charitable organizations. The firm offers a range of portfolio management and financial planning services through personalized Steward Partners-branded solutions, third-party managers, and coordinated due diligence with custodial partners.

Ralph Angelo is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has worked at American Portfolios Financial Services, Inc. for 14 years and most recently at OSAIC before joining Commonwealth and founding Angelo Planning Group. Outside of his advisory role, he is involved in managing commercial real estate through entities such as APG Lodge, LLC and 2590 Group, LLC. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and services, including discretionary model portfolios and personalized investment solutions, while supporting affiliated advisors with operations, technology, and compliance.

Jonathan Lawrence is a financial advisor with J. W. Cole Advisors, Inc., holding Series 63, 65, and 66 licenses and bringing 29 years of industry experience. He has been with J.W. Cole Financial and J.W. Cole Advisors since 2013. Outside of his advisory role, he owns and operates Jonathan Lawrence Wealth Management, Inc. J.W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a network of over 400 independent investment adviser representatives. The firm provides portfolio management, financial planning, access to third-party managers, and various managed account solutions, with investment decisions implemented on a discretionary or non-discretionary basis.

Jonathan Spacher is a financial advisor with Eagle Strategies, affiliated with New York Life, holding the ChFC® designation and Series 63 license. He has 44 years of industry experience, including roles at Eagle Strategies since 2007, Nylife Securities since 1982, and New York Life Insurance Company since 1972. Outside of advisory activities, he is involved in insurance brokering with outside carriers for non-registered investment-related insurance products. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisers. The firm emphasizes tailored recommendations across multiple program types and manages the majority of its assets on a non-discretionary basis, working with both retail and institutional sponsors within an integrated New York Life affiliate structure.

Shawnnah Sprague is a Series 66 licensed financial advisor at Lincoln Investment with three years of industry experience. She has worked previously at Edward Jones, Horizon Advisory Services, and Private Client Services. Outside of her advisory role, she is involved with Horizon Advisory Services, Inc. Lincoln Investment Planning, LLC serves a broad client base including individual and high-net-worth investors, trusts, charities, and retirement plans. The firm offers financial planning and portfolio management supported by an in-house Investment Management & Research team that develops strategic model portfolios and Adaptive Intelligence Model strategies.

Jeremiah Howard is a CFP® professional with 36 years of industry experience. He has been with Commonwealth Financial Network since 1999 and also works with Crossbridge Financial Group, LLC. In addition to his advisory role, he conducts fixed insurance sales and serves as a notary. Commonwealth Financial Network supports a national network of approximately 2,950 advisors by providing advisory programs, technology, and operational support. The firm offers a range of investment solutions, including discretionary model portfolios and personalized indexing options.

Kristina Smith is a financial advisor with Commonwealth Financial Network in Pittsford, NY, holding a Series 66 designation and bringing 10 years of industry experience. Her prior work includes roles at LPL Financial and Tompkins Financial Advisors. She also engages in fixed insurance sales as part of her business activities. Commonwealth Financial Network supports a national network of approximately 2,950 advisors, offering advisory programs and services such as wealth management, retirement plan consulting, and access to third-party asset managers. The firm provides operational, trading, technology, compliance, and practice-management support, with advisors able to construct client portfolios from a broad range of securities and insurance products.

Timothy Osgood is a financial advisor at Citizens Securities, Inc. with one year of industry experience. He holds a Series 66 credential and previously worked at New York Life Insurance and St John Fisher University. Outside of finance, he has experience in the arts sector through his work with Geva Theatre. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs alongside brokerage and insurance services. The firm’s advisory offerings include a digital advisory program using proprietary algorithms and a Managed Account program, operating as both a broker-dealer and insurance agency.

Morgan Weiler is a financial advisor at Lincoln Investment with 17 years of industry experience. He holds a Series 66 designation and has worked at Lincoln Investment since 2017. Prior to that, he was with Legend Advisory Corporation and Legend Equities Corporation. Outside of his advisory work, he is involved as an independent sales representative and consultant marketing Medicare Advantage Plans during annual enrollment periods. Lincoln Investment Planning, LLC is a large enterprise advisory and broker-dealer serving individual and high-net-worth clients, trusts, charities, and retirement plans. The firm offers financial planning, portfolio management through model portfolios, and both wrap and non-wrap platform options, supported by an in-house Investment Management & Research team.

Sophia Greene is a financial advisor at Lincoln Investment with Series 65 and Series 63 credentials and two years of industry experience. Prior to joining Lincoln Investment, she held various roles including accounting at Wegmans and financial services internship assisting retirement planning. Lincoln Investment Planning, LLC is a large enterprise advisory and broker-dealer serving individual and high-net-worth investors, trusts, charities, and retirement plans. The firm offers financial planning, portfolio management, and advisor-led consulting supported by an in-house investment management team and a network of third-party managers.

Joseph D. Amico is a financial advisor with Guardian Life in Pittsford, NY, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. His prior work includes roles at Park Avenue Securities and New York Life Securities. Guardian Life’s subsidiary, Park Avenue Securities LLC, serves individuals, pension and profit-sharing plans, charitable organizations, and corporate clients with brokerage services, financial planning, and investment advisory programs that include discretionary and non-discretionary portfolios and a hybrid digital advisory solution.

Gregg Layer is a financial advisor with Commonwealth Financial Network and Marathon Financial, where he has worked for 15 years. He holds Series 63 and Series 65 credentials and has 25 years of industry experience. Outside of advisory work, he is involved in fixed insurance sales and owns Marathon Financial, a private entity facilitating securities, advisory, and insurance business. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and back-office support, including operations, trading, technology, and compliance, while allowing affiliated advisors discretion in constructing client portfolios.

Michael Conley is a ChFC® credentialed financial advisor with 40 years of industry experience, currently with Eagle Strategies (NY Life). His career includes roles at NYLIFE Securities, New York Life Insurance Company, MML Investors Services, MassMutual, Hornor, Townsend & Kent, and Penn Mutual Life Insurance Company. He is also involved in insurance brokering with outside carriers for non-registered products. Eagle Strategies serves individual and institutional clients by offering financial planning, investment management, and retirement-plan advisory services through a network of affiliated investment adviser representatives. The firm provides tailored advisory solutions across multiple program types, with a significant focus on non-discretionary asset management and serving a variety of institutional sponsors.

Thomas Montulli is a financial advisor at Private Advisor Group, LLC with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at LPL Financial LLC since 2011. His prior experience includes roles at Ensemble Financial Services, Inc. and Trusted Securities Advisors Corp. Outside of advisory services, Montulli sells fixed annuities, disability insurance, long-term care insurance, and life insurance. Private Advisor Group, LLC serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by providing portfolio management, financial planning, retirement plan consulting, and access to various advisory programs. The firm’s fiduciary model includes discretionary and non-discretionary management, utilizing technology platforms and a range of investment strategies often implemented through third-party managers.