Nathan Elvers is a ChFC®-designated financial advisor with 17 years of industry experience. He is currently with OSAIC and previously worked at Securities America Advisors and Northwestern Mutual. Outside of his advisory role, he owns and manages a tax preparation and planning business. OSAIC serves a diverse client base, including individual and institutional investors, offering integrated brokerage, advisory, and financial planning services through a large network of affiliated advisors. The firm employs a range of asset-allocation tools and third-party platforms to deliver customized portfolio management.

William Kalwas is a financial advisor at Fidelity with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with various Fidelity entities since 2012. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified model portfolios.

Amanda Delmonico is a financial advisor at OSAIC with three years of industry experience. She holds the Series 66 designation and has previously worked at Securities America Advisors and Securities America, Inc. Prior to entering the financial services industry, she was employed in the food retail sector. OSAIC serves a diverse client base including individual investors, institutions, and charitable organizations through a large network of advisers. The firm utilizes asset-allocation tools and risk-tolerance assessments to construct portfolios across various securities, offering both discretionary and non-discretionary management options.

Steven Lesko is a financial advisor at OSAIC with eight years of industry experience. He holds a Series 63 designation and has worked previously at Securities America Advisors and Northwestern Mutual. In addition to his advisory work, Lesko is starting a clothing business under his personal brand, focusing initially on sweatshirts sold online. OSAIC serves a diverse client base, including individual, high-net-worth, pension, corporate, and charitable clients, through a large network of advisers and multiple platforms. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and third-party solutions to construct and manage portfolios across various investment types.

Jacob Carrier is a financial advisor with Primerica Advisors in Canandaigua, NY, holding Series 63 and Series 65 credentials and seven years of industry experience. His work history includes roles at PFS Investments Inc., Primerica Financial Services, and Barkman Honey. He also engages in sales of loan products and home-related services through affiliated companies. Primerica Advisors is a large institutional firm managing approximately $15.5 billion in assets and serving individual, corporate, and charitable clients through a wrap-fee asset management program. The firm offers model-driven investment strategies supported by third-party asset managers and provides advisory services primarily to individual investors rather than institutional accounts.

Peter Valade is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. His prior roles include positions at Citizens Securities Inc. and Citizens Bank. 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 an ESG eligibility framework to support customized investment solutions.

Jered Maloney is a financial advisor with Cetera in Canandaigua, NY, holding Series 63 and Series 65 credentials and six years of industry experience. He has previously worked at ESL Federal Credit Union, LPL Financial LLC, and KeyBank. In addition to his advisory role, he serves as a wealth advisor for Canandaigua National Bank and Trust, where he profiles clients and coordinates with team members to determine the most appropriate platform for each client. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, supporting a range of program options and custodial arrangements.

William Fiorica is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Merrill, Bank of America, Citizens Bank, Equitable Financial Life, and AXA Advisors. Outside of finance, he is the owner of Brilliant Jewelers, a jewelry creation hobby business he has maintained since 1989. 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 select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering non-discretionary advisory services supported by an in-house due diligence and manager solutions team.

Louis Giuliano is a Series 66-licensed financial advisor with LPL Financial, where he has worked since 2018. He has eight years of industry experience, including brief tenures at Cetera Advisors LLC and AXA Advisors LLC in 2018. Giuliano also served on the staff at Saint John Fisher College from 2015 to 2017. 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 provides a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by extensive research and technology tools.

Andrew Ward is a CFP® professional with 10 years of industry experience, currently affiliated with LPL Financial in Canandaigua, NY. His prior experience includes roles at ESL Investment Services, ESL Federal Credit Union, American Portfolios Financial Services, and KeyBank. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individual clients, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies supported by technology tools.

Trevor Lacz is a financial advisor at LPL Financial with Series 63 and Series 66 credentials and three years of industry experience. His prior roles include positions at ESL Investment Services, ESL Federal Credit Union, and Pittsford Federal Credit Union. He also served at Jazz at Lincoln Center and held a brief role at New York University Stern School of Business. Trevor is a commissioned notary public in the State of New York. 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, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by a network of over 22,800 advisors and management of more than $819 billion in discretionary assets.

Adam Ambielli is a financial advisor at OSAIC with 10 years of industry experience. He holds the ChFC® designation and Series 63 license. Prior to joining OSAIC in 2024, Adam worked at Securities America Advisors and Northwestern Mutual in various wealth management and investment roles. Outside of his advisory work, he is involved in insurance sales through a brokerage firm. OSAIC serves a broad mix of retail and institutional clients, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct diversified portfolios for individual and high-net-worth investors, pension plans, corporations, and charitable organizations.

Mathew Hill is a financial advisor at Ameriprise with 24 years of industry experience. He holds the CFP®, ChFC®, and Series 66 designations and has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he owns a tax preparation business. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Courtenay Catalfamo is a financial advisor at OSAIC with 10 years of industry experience. She holds a Series 66 designation and previously worked at Lincoln Financial Advisors Corporation for nine years. Outside of her advisory role, she is involved in consulting for Mary Kay cosmetics. OSAIC serves a diverse client base, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations, offering a range of brokerage, investment advisory, financial planning, and retirement consulting services through a large network of affiliated advisers and multiple platforms.

Jeffrey Humbert is a CFP® and holds a Series 66 license with eight years of industry experience. He has been with Cetera and Cetera Investment Services LLC since 2018 and also maintains an affiliation with Canandaigua National Bank & Trust, where he works as a wealth advisor. In this role, he profiles clients and collaborates with team members to determine the most suitable platform for client needs without making investment decisions or handling securities transactions. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, combining discretionary and non-discretionary approaches across multiple program and custodial relationships.

Steven Patton is a financial advisor at Ameriprise with 22 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Ameriprise since 2018, following seven years at JPMorgan Investment Management. Outside of his advisory work, Patton serves on the board of the Greater Rochester Amateur Athletic Federation. Ameriprise offers retirement-income planning services targeted to individuals approaching or in retirement, generally with at least $1 million in investable assets. The firm provides advisory, brokerage, and insurance solutions through affiliated entities, with a focus on delivering written, research-driven retirement income recommendations.

Timothy Mc Donald is a CFP® professional with 31 years of industry experience, currently serving at Charles Schwab since 2010. His work history includes roles at both Charles Schwab Bank, SSB and Charles Schwab. 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 a combination of non-discretionary and discretionary investment guidance using multi-asset model portfolios, supported by centralized custody and an established alternative-investment program.

William Morris is a Financial Consultant at Fidelity Investments, where he has worked since 2011 in various roles. His current position involves collaborating with clients to understand their financial goals and assessing their progress towards these goals. He utilizes Fidelity's resources and his experience to develop financial plans aimed at maximizing clients' fulfillment throughout their lives. Prior to his current role, William has held positions including Retirement Solutions Representative, Central Relationship Manager, Investment Solutions Representative, Premium Relationship Associate, College Planning Specialist, and Securities Trader, all within Fidelity Investments. This progression reflects over a decade of experience in financial services, with a focus on investment and retirement planning. No specific information about William's educational background or personal interests has been provided.

John Mccarthy is a financial advisor at LPL Financial with 34 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Cadaret, Grant & Co., Inc., HSBC Securities (USA) Inc., and Citicorp Investment Services. 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, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Matthew Piaseczny is a financial advisor with OSAIC, holding the ChFC® designation and Series 63 license, with 15 years of industry experience. His prior roles include positions at Northwestern Mutual and Securities America Advisors. He is a managing member of Dash Tax, LLC, a tax preparation firm he co-owns with two partners, and a partner at Dash Capital Advisors, a financial planning and investment services DBA. OSAIC serves a diverse client base, including individual and high-net-worth investors, corporations, and charitable organizations, offering integrated brokerage, advisory, and retirement plan consulting services through a wide network of affiliated advisors and multiple platforms. The firm employs firm-provided tools such as asset allocation models and automated rebalancing to design portfolios that may include a variety of asset types managed discretionary or non-discretionary.