Justin Yokajty is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and eight years of industry experience. Prior to joining J.P. Morgan in 2019, he worked at AXA Advisors and has been involved with X-Factor Sports Consulting. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Emily Smith is a financial advisor with LPL Financial based in Pittsford, NY. She holds a Series 66 designation and has three years of industry experience. Prior to joining LPL Financial in 2019, she worked at Ameriprise Financial Services, Inc. from 2015 to 2019. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a broad range of advisory programs and financial planning services, utilizing model portfolios and research to provide both discretionary and non-discretionary management.

Troy Gribnau is a financial advisor with Edward Jones in Webster, NY, holding a Series 66 designation and three years of industry experience. His prior roles include positions at Guardian Life Insurance, Park Avenue Securities, Alliance Advisory Group, and experience in various other industries such as real estate and retail. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with a variety of advisory programs and investment solutions, supported by a nationwide network of over 23,700 advisors. The firm offers both discretionary and non-discretionary strategies, access to managed accounts, affiliated mutual funds, and other services under a fiduciary standard.

Terri Rumans is a financial advisor at LPL Financial with 29 years of industry experience. She holds the Series 63, Series 65, and Series 66 designations. Her prior experience includes roles at Peoples Securities, Inc. and M&T Securities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Brian Craig is a financial advisor at Morgan Stanley with 22 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009. He holds a Series 66 designation. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, including customized financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that leverages approved tools and scenario modeling.

Matthew Terp is a financial advisor at Edward Jones with 17 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2009. Outside of his advisory role, he serves as a Monroe County Legislator in Rochester, NY. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment strategies. The firm manages over $1 trillion in assets and operates a nationwide network of advisors and branch offices.

Kathleen Titus is a financial advisor at UBS Financial Services with 32 years of industry experience. She holds Series 63 and Series 65 credentials and has been with UBS since 2009. Outside of her advisory work, she serves as a head coach for the Olympic Development Soccer Program in New York State West. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Mark Downey II is a financial advisor with Raymond James & Associates in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked with Raymond James since 2017 and previously held roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Downey also serves as the successor trustee for his father's 401(k) plan. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm provides services to a wide range of clients, including individuals, institutional and pension plans, and municipal entities, offering financial planning and consulting with a focus on tailored, non-discretionary advice supported by extensive research and diverse portfolio management strategies.

Theresa Kenyon is a financial advisor at Morgan Stanley with 26 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds a Series 63 designation. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and modeling techniques.

Nicole Marron is a financial advisor at Morgan Stanley in Rochester, NY, with 14 years of industry experience. She has held positions at Morgan Stanley since 2014, including a brief tenure at LPL Financial in 2018. Marron holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs that include tailored financial planning. The firm employs structured planning tools and investment modeling techniques, managing approximately $2.74 trillion in client assets.

Deanna Gutta is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and 14 years of industry experience. She has worked at firms including Brighton Securities Corp. and Citizens Bank and currently serves as a board member of the Brighton Chamber of Commerce. Gutta is also involved in community and nonprofit activities such as serving on the finance and investment committees of Foodlink, Inc., and presenting educational programs through Seniors Against Scams. Cetera Investment Advisers LLC is an SEC-registered advisor that serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm operates a multi-manager platform offering a range of investment strategies and program structures, supported by more than 10,000 advisors and over $256 billion in assets under management.

Melissa Blanco is a financial advisor with Osaic Wealth, Inc. based in Rochester, NY, holding a Series 66 designation and two years of industry experience. She has previously worked at Ciccarelli Advisory Services, Inc. and has experience in client services within the financial sector. Blanco also serves as a Notary Public. Osaic Wealth, Inc. serves a wide range of retail and institutional clients through an extensive network of affiliated advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, utilizing asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to manage diversified portfolios.

Patrick Larkin is an Investment Consultant at Fidelity Investments, a position he has held since 2025. Prior to this role, he worked as a Financial Advisor at Equitable Advisors from 2024 to 2025. In his current role, Patrick focuses on collaborating with clients to understand their individual financial goals and concerns, emphasizing a personalized approach to financial planning. Patrick believes that there is no one-size-fits-all method in financial guidance and prioritizes making clients feel heard and understood. He works together with clients to develop tailored financial plans aimed at achieving their future objectives while ensuring a positive experience throughout the process. Outside of his professional duties, Patrick has interests in cars, food, football, golf, snowboarding, and soccer.

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.

Terianne Payton is a financial advisor at OSAIC with four years of industry experience. She holds Series 66 and Series 63 licenses and has worked with several firms including SagePoint Financial and Northwestern Mutual. Outside of finance, she owns a graphic design and apparel business on Etsy and coaches CrossFit classes at two local gyms. OSAIC serves a diverse client base including individuals, institutions, and charitable organizations through a broad network of affiliated advisers. The firm offers a range of integrated brokerage and advisory services, using various asset-allocation tools and third-party solutions to construct portfolios tailored to client risk profiles and investment preferences.

Amy Strutt is a financial advisor with Morgan Stanley in Rochester, NY, holding a Series 63 designation and 26 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

David Kotalik is a financial advisor with Morgan Stanley in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, with prior experience at Citigroup Global Markets dating back to 1999. 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, and manages approximately $2.74 trillion in client assets.

Scott Ricci is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. His prior roles include positions at Cetera Advisors LLC and Investors Capital Corporation. In addition to his advisory work, he operates GSR & Associates, Inc., a tax preparation and accounting business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

David Dimitro is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank, National Association. 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 and financial planning services that utilize firm-approved tools and models, managing approximately $2.74 trillion in client assets.