Alan Ginsberg is a financial advisor with OSAIC, holding the ChFC® designation and Series 63 and Series 65 licenses, with 31 years of industry experience. His prior experience includes roles at Securities America Advisors, Inc. and Wall Street Financial Group, Inc. In addition to his advisory work, he acts as a General Agent for Security Mutual Life of New York and participates in community activities such as serving on the estate planning and charitable giving committee for the Jewish Federation of Greater Rochester and holding leadership roles in the Temple Beth El Men's Club. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform that provides brokerage and advisory services including comprehensive financial planning, managed portfolios, and retirement plan consulting. The firm’s investment process uses model-based asset allocation and portfolio optimization, offering discretionary strategies, third-party managers, and proprietary models across a complex affiliate network.

Jennifer Knapp is a financial advisor with Stifel, holding a Series 66 designation and 17 years of industry experience. She has worked at Stifel Nicolaus & Co Inc since 2019 and previously held positions at Bank of America and Merrill. Outside of her advisory role, she is involved with the Junior Americans U9 Hockey Team in Pittsford, NY, serving as assistant team manager and helping with fundraising and travel organization. Stifel serves a broad client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach is based on proprietary analysis and probabilistic modeling developed by its Investment Strategy Group, which supports client decision-making through tailored asset allocation and financial planning.

Colin Phoenix is a CFP®-certified financial advisor with 16 years of industry experience. He has worked at Charles Schwab since 2016 and previously spent three years at Fidelity. He is based in Pittsford, NY, and holds Series 63 and Series 65 licenses. Charles Schwab & Co., Inc. serves a large client base of 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 a primarily non-discretionary client relationship model combined with access to discretionary SMAs, multi-asset model portfolios, and a formal alternative-investment onboarding process.

Thomas Green is a financial advisor with Raymond James Financial in Rochester, NY, holding a Series 63 credential and over 25 years of industry experience. He has worked at Raymond James Financial Services, Inc. since 2000 and at Raymond James Financial Services Advisors, Inc. since 2009. Outside of his advisory role, Green owns and operates an accounting firm, Thomas H. Green, CPA, PLLC. 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, and institutional clients. The firm employs fact-finding, risk profiling, and analytical modeling to tailor non-discretionary planning and consulting aligned with clients' goals.

Kathleen Shedler is a financial advisor with OSAIC in Rochester, NY, holding Series 63 and Series 65 licenses and bringing six years of industry experience. Her prior roles include positions at Securities America Advisors and David Benedict. She also owns a life insurance and long-term care insurance sales business. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporations through a multi-advisor platform offering brokerage and advisory services with model-based asset allocation and portfolio optimization tools.

Grant Kohler is a financial advisor at Mass Mutual Investors Services with Series 63 and Series 65 credentials and three years of industry experience. He has previously worked at MassMutual Life Insurance Company and has held a business development director role at Genesee Manufacturing Company since 2019, overseeing sales and marketing. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of programs including wrap accounts, money-manager programs, and educational seminars.

Sierra Harrison is a financial advisor with Fidelity and holds a Series 66 designation. She has one year of industry experience, including prior roles at Compass Groups and Citizens Private Bank. Outside of finance, she has been involved with organizations such as the Keuka Yacht Club and University of Rochester Athletic Communications. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a range of clients, including retail and institutional investors. The firm’s investment approach combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, offering model portfolios composed of mutual funds, ETFs, and ETPs.

Gary Debellis is a financial advisor with Cetera, holding a PFS™ designation and a Series 66 license, and has 25 years of industry experience. He has worked with firms including Avantax Advisory Services and Davie Kaplan, CPA, P.C., where he has provided financial planning and advisory services. Gary also serves as an independent trustee for a family trust, a role involving distribution calculations based on his long-term professional relationship with the clients. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services with access to both affiliated and third-party managers across multiple program structures.

Scott Fredereksen is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since joining Merrill Lynch in September 2011, Scott has worked alongside his business partners Mark Eidlin and Matthew Kilmer, focusing on advising affluent individuals and families, business owners, corporate executives, medical professionals, foundations, and endowments in Rochester and surrounding areas. He emphasizes taking a client’s complete financial picture into account to align recommendations with their best interests and values a personal connection with clients to better serve their needs. Scott’s areas of expertise include college education planning, corporate benefits, divorce transition planning, employee financial health, executive compensation, equity compensation services, and tax minimization. He offers a wide range of wealth management services such as retirement planning, qualified plans, wealth transfer strategies, and philanthropic giving. Scott holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor™ (CRPC™), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor’s Degree from Cortland University. Outside of his professional role, Scott is engaged in community service and volunteers with various organizations. His personal interests include basketball, camping, fishing, football, golfing, music, and spending time with his family.

Daniel Hayes is a financial advisor with Ameriprise in Pittsford, NY, holding a Series 63 designation and over 26 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, Hayes is involved in business management through several limited liability companies. Ameriprise offers retirement-income planning services focused on clients approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations, supported by a centralized consulting team and the use of algorithmic tools.

Daniel Leonard is a financial advisor with Morgan Stanley in Rochester, NY, holding a Series 66 credential and 26 years of industry experience. He has worked across various Morgan Stanley entities since 2006. Outside of his advising role, Leonard serves as the head coach for the Lakefront Soccer Club in Webster, New York. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and investment committee analyses.

Mark Temperato is a financial advisor at OSAIC with 14 years of industry experience. He holds the ChFC® designation and Series 63 license. His prior roles include positions at Northwestern Mutual and Securities America Advisors. Outside of his primary advisory role, Temperato is involved in managing a financial advisory partnership and operates a marketing DBA for his services. OSAIC serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporations, offering brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, providing a range of programs such as advisor-managed portfolios, Unified Managed Accounts, and third-party money manager options.

Paul Hanrahan Jr. is a financial advisor with Morgan Stanley in Pittsford, NY, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through employer-based financial planning agreements.

Samantha Caruso is a financial advisor at Raymond James Financial with four years of industry experience. She holds a Series 66 designation and has previously worked at UBS Financial Services and Wells Fargo Advisors. Outside of her advisory role, she manages a rental property. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, institutions, and charitable organizations, using tailored, non-discretionary planning and analytical tools to support client goals.

David Schmidl is a financial advisor with Mass Mutual Investors Services in Rochester, NY, holding a Series 63 license and 20 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and was previously with MSI Financial Services, Inc. from 2005 to 2017. Outside of his advisory role, he has been involved in sales for individual life products, including long-term care insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, software-supported financial planning, including new event-driven services such as divorce planning and estate settlement.

Paul Ognenovski is a financial advisor with LPL Financial, holding a Series 63 designation and seven years of industry experience. His prior roles include positions at MassMutual Life Insurance Co., Mass Mutual Investors Services, Vision Financial Group, and MML Investors Services LLC. He is also involved in property and casualty and non-variable insurance activities in Rochester, NY. 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 advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Nicholas Sarto is a financial advisor with Raymond James & Associates in Rochester, NY, holding a Series 66 designation and eight years of industry experience. He has been with Raymond James & Associates since 2015. 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 individuals, including high-net-worth clients, institutional and pension plans, charitable organizations, and municipal entities, providing financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Lorie Helmbold is a financial advisor at Merrill with 25 years of industry experience. She holds a Series 66 designation and has been with Merrill Lynch since 1997. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

William Abbott is a financial advisor with LPL Financial, holding a Series 63 designation and 29 years of industry experience. His prior roles include positions at Post Resch Tallon Group, Inc. and Cadaret, Grant & Co., Inc. He also operates Abbott Financial and works outside the industry as a salesperson in the golf department at Dick's Sporting Goods. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions supported by technology tools, with oversight of over $819 billion in discretionary assets and a network of more than 22,800 advisors.

Philip DiPasquale is a financial advisor with UBS Financial Services in Rochester, NY, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. He has been with UBS since 2011. DiPasquale serves as a trustee for the B. Thomas Golisano Foundation and is involved with the Nativity Preparatory Academy of Rochester as a member of its Finance Committee. He is also the proprietor of DiPasquale Brothers Beverages LLC, a venture collaborating with local craft brewers to produce small-batch beverages and support at-risk children through sales. UBS Financial Services serves individual, corporate, and institutional clients offering brokerage and advisory services, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management and delivers tailored investment solutions based on proprietary research and model-based asset allocations.