Kerri Palermo is a CFP® professional with 10 years of industry experience, currently serving at Charles Schwab in Pittsford, NY. Her prior experience includes roles at Ameriprise Financial Services and Northwestern Mutual Wealth Management. She also serves as a board member for the Monroe Community Hospital Foundation, where she assists with fund allocation and fundraising efforts. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering integrated brokerage, custody, and advisory services with a combination of non-discretionary client relationships and access to discretionary separately managed accounts.

Patrick Caufield is a financial advisor with Edward Jones in Penfield, NY. He holds Series 63 and Series 66 designations and has 11 years of industry experience. His prior roles include positions at Primerica Advisors and Guardian Life Insurance Co. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment strategies through a nationwide network of financial advisors and branch offices.

Daniel Cusato is a financial advisor with OSAIC who holds Series 63 and Series 66 licenses and has seven years of industry experience. His prior work includes roles at Lincoln Financial Advisors Corporation, ESL Investment Services, LPL Financial, and ESL Federal Credit Union. Outside of investment advisory, he is a licensed notary public and also acts as an insurance agent, offering disability, fixed and indexed annuities, long-term care, and life insurance products. OSAIC serves a diverse client base including retail, high-net-worth, institutional investors, and various organizations through a large network of advisors and multiple platforms. The firm provides integrated brokerage and advisory services, employing asset allocation tools and access to third-party managers to construct portfolios across a broad spectrum of investment types.

Kyle Preston is a financial advisor with LPL Financial in Fairport, NY, holding CFP® and Series 63 credentials. He has six years of industry experience and has worked at ESL Investment Services, LLC, Mass Mutual, and Genesee Construction. Preston also has roles related to non-variable insurance with ESL Investment Services and MassMutual. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios.

Benjamin Wilson is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and three years of industry experience. His prior roles include positions at Jurs Montgomery Brokerage LLC and RC Imaging. Outside of his advisory work, he is a commissioned notary public in Rochester, NY. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s advisory process is IPS-driven and incorporates a wide range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Andrew Coughlin is a financial advisor with LPL Financial, holding a Series 66 designation and three years of industry experience. His prior roles include positions at MassMutual Life Insurance Co and Mass Mutual Investors Services. Outside of finance, he owns and coaches at Full-Stretch Goalkeeping Academy, a sports and fitness business. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services supported by extensive research and a variety of investment strategies.

Andrew Means is a financial advisor at Stifel with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Stifel Nicolaus & Co Inc since 2016. Outside of his advisory role, he is an owner and partner of a CrossFit facility in Canandaigua, New York. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and financial planning.

Craig Danieluk is a financial advisor with Equitable Advisors, holding a Series 66 designation and 16 years of industry experience. He has been with Equitable Advisors since 2009 and previously worked at Axa Advisors, LLC. Outside of his advisory role, Danieluk serves as a board member for the Penfield Rangers Soccer Club. 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 execute client recommendations.

David Nichols is a financial advisor with OSAIC who holds the CFP® and ChFC® designations and has 37 years of industry experience. He worked at Signator Investors, Inc. for 30 years before joining OSAIC in 2018. Nichols also operates a sole proprietorship involved in the sales and marketing of securities, investment advisory, and insurance products. OSAIC serves a diverse client base, including individual investors, pension plans, corporations, and charitable organizations, providing brokerage and advisory services through a large network of affiliated advisors. The firm utilizes asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct and manage portfolios that may include a range of investment products on both discretionary and non-discretionary bases.

John Pascucci is a financial advisor at Edward Jones with seven years of industry experience. He holds the CFP® designation along with Series 63 and Series 66 licenses. His prior experience includes roles at Paychex and John Hancock Financial. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of financial advisors and branch offices.

Jamie Di Cataldo is a financial advisor at Merrill with 23 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Merrill Lynch since 2019, following six years at Oppenheimer & Co. Merrill, alongside its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Eric Hurley is a financial advisor at LPL Enterprise with two years of industry experience. He holds Series 63 and Series 66 designations and has worked at multiple firms, including Evans Bank, NYLIFE Securities LLC, and GIA Cara Inc. Eric is also involved in non-variable insurance activities related to his advisory work. LPL Enterprise serves a diverse clientele including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, third-party asset management, and a range of brokerage and insurance products via an integrated platform.

Noah Stmary is a financial advisor at Merrill with 11 years of industry experience. He holds the Series 66 designation and has been with Merrill since 2014. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

John Zicari is a CFP® and holds a Series 66 license with 12 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2019 and previously held roles at Bank of America and Merrill from 2013 to 2019. Outside of his advisory work, he serves on the advisory board of the Wilmot Cancer Institute and acts as treasurer for Warrior Cards, Inc., an organization that provides gifts to pediatric cancer patients. Stifel serves a broad range of individual and institutional clients, offering brokerage and investment advisory services supported by a proprietary methodology developed by its Investment Strategy Group. The firm provides fee-based financial planning and model allocations intended as a basis for client decisions, with clients generally maintaining discretion over implementation.

Timothy Pease is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 39 years of industry experience. He previously worked at Cadaret, Grant & Co., Inc. for 26 years and has been affiliated with Commonwealth Financial Group for over three decades. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by internal and third-party research.

Sean O'Brien is a financial advisor with LPL Financial, holding Series 65 and Series 63 licenses and 14 years of industry experience. Prior to joining LPL Financial in 2021, he worked at William J. Head, CPA, PLLC and has background in accounting and tax preparation through other roles including Roberts Accounting, CPAs, P.C. Outside of advising, he has been involved with the Cure Childhood Cancer Association. LPL Financial is a national firm serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a network of investment adviser representatives. The firm offers a range of advisory programs and services including financial planning, retirement plan consulting, and brokerage services, with access to model portfolios and research from multiple sources.

David Dangler is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and over 32 years of industry experience. His work history includes roles at LPL Financial since 2015, M&T Securities since 2017, and Five Star Bank from 2015 to 2017. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs and financial planning services, offering both discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

Susan Acker is a financial advisor at Merrill with 29 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Merrill since 2008 and Bank of America, N.A. since 2011. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Edward Bradford Jr. is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 66 licenses and with 22 years of industry experience. He has been associated with Raymond James since 2011 and is also the owner and president of Liftbridge Financial Group, a support company. Additionally, he serves on the advisory board for the Town of Perinton, focusing on local planning and conservation issues. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, pension plans, and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools and supports municipal and public finance work through unique affiliations.

Barbara Schirmer is a financial advisor at Morgan Stanley with 25 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds a Series 63 designation. 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 firm-approved tools and models, managing approximately $2.74 trillion in client assets.