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 bringing 13 years of industry experience. His prior roles include positions at LPL Financial, Finmason, 55IP, and MBSC Securities Corporation. Outside of advising, he manages rental properties in Boston, MA, and Penn Yan, NY. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, delivering both non-discretionary and discretionary solutions. The firm’s approach is IPS-driven and grounded in modern portfolio theory, offering a broad range of investment options including insurance-related vehicles and bank deposit sweep programs.

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 financial advisor at Cambridge Investment Research Advisors with one year of industry experience. He holds the Series 66 designation and previously worked at Equitable Advisors, LLC. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, trusts, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through independent Financial Professionals who use a variety of portfolio management strategies and platform options tailored to client objectives.

Brian Gaffney is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2012. He holds the Series 66 designation. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager and fund searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Anmarie Rizzo is a Series 66 licensed financial advisor with Morgan Stanley, based in Rochester, NY, and has 25 years of industry experience. She has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and previously with Citigroup Global Markets starting in 2005. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and modeling techniques.

Patrick Gallagher is a financial advisor with Mass Mutual Investors Services in Rochester, NY, holding a Series 66 credential and 18 years of industry experience. He previously worked at LPL Financial and ESL Investment Services, LLC. Outside of his advisory role, he is a partial owner of a family winery and serves as president of the board for a charitable fundraising organization that raises funds through gaming and local events. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm provides ongoing, collaborative financial planning using advanced analytical tools and delivers investment strategy recommendations without discretionary authority.

Chad Jacob is a financial advisor at Morgan Stanley in Rochester, NY, with 20 years of industry experience. He has been with Morgan Stanley since 2009 and associated with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, Jacob serves as a volunteer coach for the Bristol Mountain Race Club, a recreational organization in Victor, New York. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm utilizes a structured planning process supported by proprietary tools and serves clients through both individual and corporate financial planning arrangements.

Christian Pappas is a financial advisor with Cetera, holding Series 63 and Series 66 designations and bringing 24 years of industry experience. He has worked with Cetera since 2019 and previously was employed by Foresters Financial Services and Foresters Advisory Services LLC from 2014 to 2019. Cetera Investment Advisers LLC serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services using multiple program structures, model portfolios, and third-party managers.

Philip Serafine is a financial advisor with RBC Capital Markets in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with RBC Capital Markets since 2013. Outside of his advisory role, he has served as an instructor for community education at Webster Central School District. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of wrap fee advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers, complemented by comprehensive financial planning, custody, and brokerage services.

Bruce Charleton is a financial advisor at OSAIC with 19 years of industry experience. He holds a Series 66 designation and previously worked for Lincoln Financial Advisors Corp for 17 years. Outside of advising, he is an aerobic and spin class instructor at Harro East Athletic Club. OSAIC serves a diverse client base, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services and uses various tools and third-party platforms to construct and manage portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.