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 financial advisor with LPL Financial and holds a Series 66 designation. He has one year of industry experience and previously worked at Equitable Advisors, LLC. Outside of his advisory work, he has been involved with Wren's Roost Wedding Venue since 2022. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Cobie Beach is a CFP®-certified financial advisor with Charles Schwab in Pittsford, NY, and has four years of industry experience. Prior to joining Schwab in 2021, he held positions at various organizations including Waste Harmonics and Thirsty's Bar. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, combining non-discretionary advisory relationships with access to discretionary separately managed accounts and alternative investments.

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 31 years of industry experience. He holds a Series 63 designation and previously worked at RW Lloyd Financial for 20 years and Cadaret, Grant & Co., Inc. for 19 years. Outside of his advisory work, he is involved with Upstate Special Risk Services Inc., a non-variable insurance business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management supported by research and model portfolios.

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.

Mallory Lauffer is a financial advisor with Ameriprise in Caledonia, NY, holding Series 63 and Series 66 licenses and having 13 years of industry experience. She has been with Ameriprise and its affiliated entity since 2012. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with a centralized consulting team to deliver tailored, algorithm-assisted retirement planning recommendations.

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, formerly LINSCO/PRIVATE LEDGER CORP., since 2007. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Patricia Collins is a financial advisor with LPL Financial in Pittsford, NY, holding a Series 63 designation and 41 years of industry experience. She has been with LPL Financial since 2004. Collins also operates a DBA, Upstate Professional Planning Services, and is affiliated with Collins & Laese LLC for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm provides a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research from multiple sources.

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.

Marina Graham is a financial advisor with Equitable Advisors, holding a Series 66 designation and two years of industry experience. Her prior work includes roles at Kevin Shiltz, Mapstone Veritas Financial Group, and Midas Auto Service Experts. Equitable Advisors serves a diverse range of clients including individuals, high-net-worth, retirement plans, corporate, charitable, and institutional entities. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs through a dual-registered advisory and brokerage model.

Nannette Nocon is a financial advisor with Ameriprise in Rochester, NY, holding CFP® and ChFC® designations and over 40 years of industry experience. She has been with Ameriprise and its predecessor since 2005. Outside of her advisory role, she is involved in nonprofit work, including serving as chair of the George Eastman Museum, and publishes a children's book through a nonprofit venture that donates copies to underprivileged children. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver written recommendations in partnership with financial advisors.

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.

Anthony Pagano is a financial advisor with Mass Mutual Investors Services in Rochester, NY, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 38 years of industry experience, including 21 years at AllState Financial Services LLC before joining Mass Mutual in 2021. Outside of his advisory role, he is also an insurance agent with Elmwood Agency, focusing on life, disability, and long-term care products. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm provides financial planning and asset management services, utilizing firm-approved tools to deliver written recommendations without investment discretion.

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.