Thomas Ferraro Jr. is a financial advisor with Cetera and holds a Series 63 designation. He has 34 years of industry experience, including long tenures with Avantax Insurance Agency and related firms. Outside of his advisory work, he is a certified public accountant operating his own tax preparation and accounting practice and is a self-employed musician. He also serves as treasurer in waiting for the Gates Historical Society, a local nonprofit organization. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Simon Devenish is a financial advisor with LPL Financial based in Spencerport, NY. He holds Series 63 and Series 65 credentials and has four years of industry experience. His background includes roles in health and life insurance brokerage and operating a website design business. He has also worked at the Spencerport Depot and Canal Museum and is employed at Monroe Community College’s Public Safety Training Facility. 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 and financial planning services, utilizing model portfolios and research from multiple sources, along with various institutional and participant advice programs.

Noah McDonald is a Planning Consultant at Fidelity Investments, where he works collaboratively with clients to develop financial plans aligned with their personal goals. He engages with clients to review their progress and identify strategies that reflect their priorities and concerns. Noah has held various roles in the financial services industry, including Private Client Relationship Manager at Citizens Bank from 2024 to 2025, Associate Advisor at Northwestern Mutual from 2022 to 2024, and Financial Representative at Northwestern Mutual from 2021 to 2022. Outside of his professional work, Noah has interests in food, skiing, theater, traveling, and volunteering.

Antonio Barcelo is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and six years of industry experience. His prior roles include positions at Key Investment Services LLC and MassMutual Life Insurance Co. before joining Mass Mutual Investors Services. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers educational seminars and employs firm-approved software to deliver written financial recommendations within annual, collaborative planning engagements.

Michael Deer is a financial advisor with MassMutual Investors Services and holds a Series 63 designation. He has 26 years of industry experience, including prior roles at Metlife Securities and Massachusetts Mutual Life Insurance Company. Outside of his advisory work, he is involved with Deer & Yunker Financial Partners, assisting clients with life settlements and insurance brokerage. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual planning relationships and provides specialized services such as divorce and estate-settlement planning.

Justin Wolf is a financial advisor with LPL Enterprise in Rochester, NY. He holds a Series 66 designation and has three years of industry experience, including prior roles at Equitable Advisors and involvement with Elderly Care Guidance LLC. Outside of his advisory work, he is engaged with MC Management in a non-investment-related capacity. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and other institutions through both advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, third-party asset management programs, and a range of brokerage and insurance products via its integrated platform.

Eric Rogers is a financial advisor with MassMutual Investors Services in Rochester, NY, holding a Series 63 designation and 10 years of industry experience. He previously worked at Northwestern Mutual from 2016 to 2018 before joining his current firm in 2018. Outside of his advisory role, Rogers is also an insurance agent with Wayfinder Strategic Planning & Wealth Management LLC, focusing on life, disability, long-term care, fixed annuities, and health insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, typically recommending investment categories and strategies without discretionary authority.

Benjamin Messmer is a financial advisor affiliated with LPL Financial, holding Series 65 and Series 63 credentials and bringing 10 years of industry experience. His background includes roles at M&T Securities, NY Patriot Construction, Millet Masonry and Construction, and Axa Advisors. He is also engaged in a home-based non-investment-related activity outside of his advisory work. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base that includes individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and brokerage services, utilizing model portfolios, third-party research, and diverse investment strategies.

Rudy Diedreck is a CFP®-certified financial advisor with Edward Jones, where he has worked since 2015. He has 10 years of industry experience and holds a Series 66 license. Outside of his advisory role, he serves as president of the BNI Greece A Team in Rochester, NY, managing weekly meetings focused on business development for salespeople and small business owners. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment advisory programs and maintains a large national network of financial advisors and branch offices.

Sydney Carnival is a financial advisor at J.P. Morgan Securities with a Series 66 designation and two years of industry experience. Prior to joining J.P. Morgan Securities and J.P. Morgan Chase Bank in 2023, Sydney worked in various roles including positions at SUNY Geneseo School of Business and Admissions. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory operations with multiple market-facing registrations and functions, delivering advisory services on a non-discretionary basis.

Wesley Evans is a Financial Consultant currently working at Fidelity Investments since 2024. In this role, he partners with clients to develop personalized financial strategies that align with their individual goals. He emphasizes building long-term relationships based on trust, transparency, and effective communication. Wesley has experience in investment strategies, retirement planning, and wealth planning, drawing on his background as a Financial Solutions Advisor at Bank of America Merrill Lynch from 2020 to 2024. His expertise enables clients to navigate financial complexities with confidence. Outside of his professional work, Wesley's personal interests include fitness, football, parenthood, reading, running, and traveling.

Michael Torregrossa is a financial advisor with LPL Financial in Rochester, NY, holding a ChFC® designation and Series 63 and 66 licenses. He has nine years of industry experience, including roles at ESL Investment Services, Edward Jones, and J.P. Morgan Chase Bank. Torregrossa has also been involved with Torregrossa Properties LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services through a national network of investment adviser representatives.

Waylan Barber is a Planning Consultant at Fidelity Investments, where he collaborates with clients and their wealth management teams to develop comprehensive financial plans. He joined Fidelity Investments in 2021 and has held positions including Workplace Planning Consultant and Help Desk, Workplace Planning and Advice before his current role. His experience encompasses workplace planning and providing advisory support within Fidelity Investments, contributing to his expertise in financial planning services. Outside of his professional work, Waylan Barber engages in activities such as family activities, hiking, playing musical instruments, music, reading, and writing.

Daniel Rudd is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 15 years of industry experience. His prior roles include positions at Hornor Townsend & Kent Inc, Penn Mutual Life Insurance Company, and New York Life Insurance Company. He is also active as a financial advisor in life, disability, and long-term care insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides comprehensive financial planning and asset management, utilizing firm-approved analytical tools to develop recommendations tailored to clients' goals.

Sarah Campbell is a financial advisor with LPL Financial in Rochester, NY, holding the ChFC® and Series 63 credentials and bringing 15 years of industry experience. She has worked at ESL Investment Services, LLC and LPL Financial since 2011. Outside of advising, she is a commissioned notary public. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services through a national network of investment adviser representatives.

Cathy Elia is a financial advisor with OSAIC in Rochester, NY, holding a Series 63 designation and 29 years of industry experience. Her prior roles include positions at Securities America Advisors and Invest Financial Corp. She is also the owner of Envision Wealth & Health, a firm providing financial and insurance services, and she assists individuals aged 65 and older with Medicare enrollment through Ahrens Benefits Co. OSAIC serves a diverse client base ranging from individual to institutional investors through a large network of affiliated advisers and multiple platforms. The firm offers integrated brokerage and advisory services, utilizing proprietary asset-allocation tools and third-party solutions like Envestnet to manage portfolios across various asset classes.

Julieann Angie is a financial advisor with Mass Mutual Investors Services in Rochester, NY, holding a Series 63 designation and bringing 10 years of industry experience. Her prior roles include positions at Park Avenue Securities, Guardian Life Insurance, and AXA Advisors, LLC. She was involved with the Rochester Animal Shelter in 2018. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, utilizing firm-approved tools to analyze client goals and deliver written recommendations.

Justen Cruz is a financial advisor with Equitable Advisors, holding a Series 66 designation and two years of industry experience. His prior work includes roles at Opticool Technologies and The Lighting Division. 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 uses a hybrid referral and implementation model and offers both advisory and brokerage/insurance services to clients.

Jennifer Jones is a Series 66-licensed financial advisor with 11 years of industry experience. She is currently with Cetera and has previously worked at Avantax Advisory Services and 1st Global Capital Corp. In addition to her advisory role, she serves on the advisory board of Canandaigua National Bank and holds multiple positions with UR Thompson Health, including board member, audit committee member, finance committee member, and treasurer. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services with a multi-manager platform that includes affiliated and third-party strategies.

Joseph Mynio is a CFP® professional with 21 years of experience in the financial services industry. He is currently with LPL Financial, where he has worked since 2018, and has prior experience at Waddell & Reed, Inc and MassMutual Financial Group. LPL Financial is an 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 model portfolios and research.