Ryan Muchard is a financial advisor with LPL Financial in Rochester, NY, holding Series 63 and Series 65 licenses and six years of industry experience. Prior to joining LPL Financial in 2025, he worked at Securities America Advisors and Securities America, Inc., among other roles. He is also a senior mechanical engineer at QuidelOrtho. 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 advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management along with research-supported model portfolios.

Julianna Lauricella is a Financial Consultant at Fidelity Investments, a position she has held since 2023. Prior to this role, she worked as an Investment Consultant at Fidelity Investments from 2022 to 2023. She has also served as a Financial Advisor at Northwestern Mutual from 2019 to 2022 and as a Financial Representative there from 2017 to 2019. As a Certified Financial Planner™, Julianna collaborates with clients to develop holistic financial plans tailored to their specific needs, focusing on understanding their goals and preferences to empower informed financial decisions. Her professional experience spans various aspects of financial consulting and investment advising. Outside of her professional work, Julianna's personal interests include family activities, fishing, gardening, golf, spending time at the lake, and caring for pets.

Randall Trahan is a CFP® with 22 years of experience in the financial services industry. He has worked at Raymond James & Associates since 2019 and previously spent five years with key Investment Services LLC. He serves as a board member for Rochester Special Hockey, an organization that promotes hockey as a method to develop life skills for individuals with developmental disabilities. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions.

Phillip Sheehan is a financial advisor at Equitable Advisors with 23 years of industry experience. He holds the Series 66 designation and has been with Equitable Advisors since 2002, previously associated with Axa Advisors, LLC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to meet client needs.

Lee Mulcahy is a financial advisor at Ameriprise with 21 years of industry experience. He holds a Series 66 designation and has been with Ameriprise Financial Services since 2014. Mulcahy serves on the Board of Directors for United Memorial Medical Center in Batavia, NY. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset criteria, delivering customized Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. As a large institutional firm, Ameriprise offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Amy Hrichak is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 66 licenses and has 35 years of industry experience. She has been with MassMutual and its affiliated entities since 2006. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing, collaborative financial planning using firm-approved software and a range of programs including wrap and money-manager options.

James Smith is a financial advisor at J.P. Morgan Securities with one year of industry experience. He has previously worked at Fidelity Investments, Emplifi, and JPMorgan Chase Bank. Smith holds Series 63 and Series 65 licenses. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm uses quantitative asset-allocation modeling combined with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Stephen Cymbal is a financial advisor with LPL Enterprise, holding Series 66 and Series 63 licenses and five years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, Pruco Securities, LLC, Brighton Securities, and Equitable Advisors. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset management programs. The firm’s integrated platform combines advisory programs with brokerage and insurance products and features a collateralized lending program.

Michael Colby is a financial advisor with Raymond James & Associates, holding a Series 66 designation and eight years of industry experience. He has been with Raymond James since 2017 and has operated Cafe Genevieve since 2012. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, providing financial planning, non-discretionary investment consulting, and municipal advisory services.

William Hager is a financial advisor with Equitable Advisors in Williamsville, NY, holding a Series 66 designation and four years of industry experience. His prior work includes roles at the University of Dayton, the Country Club of Rochester, and Pittsford CSD. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage channels to implement client recommendations.

Francis Celona is a CFP® and Series 66-registered financial advisor with 24 years of industry experience. He is currently with Cambridge Investment Research Advisors and has previously worked at Securities America and Allied CPAs, among other firms. Outside of his advisory role, he serves as Treasurer for the Mendon Foundation, Inc. and is involved in a home interiors business as a business manager and accountant. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent financial professionals, using a variety of portfolio management strategies across multiple platforms.

Thomas Guider is a financial advisor with Cetera, holding a Series 66 credential and beginning his advisory career in 2026. Prior to joining Cetera Investment Advisers, Cetera Wealth Services, and Davie Kaplan Wealth Care Advisors, he worked at Davie Kaplan, CPA, P.C. and has experience in various roles including positions at ESL Federal Credit Union, Burlington Stores, Inc., St. John Fisher University, and local government and education institutions. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients nationwide; it offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various investment programs and third-party managers.

Michael Bellapianta is a financial advisor with LPL Financial based in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He previously spent 22 years with MassMutual and MML Investors Services. In addition to his advisory role, he serves as a notary. LPL Financial is an SEC-registered adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of financial planning and advisory programs, utilizing model portfolios, research, and various risk management tools.

Karl Cedarleaf is a financial advisor with Raymond James & Associates in Rochester, NY, holding Series 63 and Series 65 credentials and 26 years of industry experience. He previously worked at Key Investment Services LLC for seven years prior to joining Raymond James in 2019. Outside of his advisory role, Cedarleaf serves as a Cub Master for the Cub Scouts and is involved with Ducks Unlimited and the American Legion. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipalities, offering financial planning and non-discretionary investment consulting supported by a wide range of portfolio management styles and affiliated research resources.

Patrick George is a financial advisor with Cetera who holds the PFS™ and Series 66 designations and has 25 years of industry experience. He has worked with firms including Avantax Advisory Services and Avantax Investment Services, and is an affiliated partner at Davie Kaplan, CPA, P.C. He also serves as a trustee for third-party supplemental needs and insurance trusts. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, employer-sponsored retirement plan, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a multi-manager platform with access to discretionary and non-discretionary portfolio management, financial planning, and third-party money managers.

Stephen Harper is a financial advisor at Osaic with one year of industry experience. He holds a Series 66 designation and has worked at multiple organizations, including Farm Credit East and Family, Wealth & Legacy, LLC. His background also includes roles in education across several universities and grade schools. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, employing asset-allocation tools and automated rebalancing to construct diversified portfolios, with options for discretionary and non-discretionary management.

Michael Wayman is a financial advisor with Equitable Advisors in Rochester, NY, holding a Series 66 designation and three years of industry experience. Prior to joining Equitable Advisors in 2022, he worked at SUNY Brockport and held various community roles including positions at Perinton Community Center and Fairport High School. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model and offers a range of advisory and brokerage services tailored to client goals and risk tolerance.

Shawn Paylor is a ChFC® and Series 66 licensed financial advisor with five years of industry experience. He has worked at Equitable Advisors since 2021 and previously spent five years at ORKIN Pest Control. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, and institutional investors, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and a broker-dealer, working extensively with program sponsors and third-party managers to provide advisory and brokerage solutions.

Stefan Muoio is a financial advisor with Equitable Advisors in Rochester, NY, holding Series 66 and Series 63 licenses and 11 years of industry experience. He has been with Equitable Advisors since 2015, including its predecessor, AxA Advisors. Equitable Advisors serves a diverse client base, including individuals, high-net-worth clients, retirement plans, corporations, charitable organizations, and institutions, providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer, collaborating extensively with program sponsors and third-party managers to offer advisory and brokerage solutions.

Kevin Garden is a CFP®-certified financial advisor at Osaic Wealth, Inc. with 14 years of industry experience. He previously worked for Securities America Advisors, Inc. and Securities America, Inc. from 2012 to 2024. Garden is also involved in insurance sales through L&M Group Ltd., recommending insurance products as part of financial plans. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and multiple investment platforms to construct portfolios that include a variety of securities and managed-account solutions.