Mark Higgins is a CFP® professional with 16 years of experience, currently affiliated with OSAIC and Revere Financial Planning, Inc. in Fairport, NY. His work history includes long-term service at both firms since 2010. Outside of his advisory roles, Higgins is involved in nonprofit activities supporting autism awareness and treatment, including serving as a board member of AutismUp and co-owning the Autism Open golf fundraiser. OSAIC Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and third-party platforms to construct diversified portfolios tailored to client risk tolerance and investment preferences.

Jeffrey Santillo is a CFP® with five years of industry experience, currently affiliated with Raymond James Financial. His prior roles include positions at Commonwealth Financial Network, Guardian Life Insurance, Park Avenue Securities, and involvement with the Middle Atlantic PGA and several country clubs. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, institutions, and nonprofit organizations. The firm offers tailored, non-discretionary advice supported by analytical modeling and maintains specialized municipal and retirement plan advisory programs.

Michael Viscosi is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 35 years of industry experience. He has worked at LPL Financial since 2021 and previously at M&T Securities and Citicorp Financial Services. 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 provides financial planning, advisory programs, retirement plan consulting, and brokerage services with a broad range of portfolio management options and research support.

Lisa Ritzel is a financial advisor at Morgan Stanley with 26 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds Series 63 and Series 66 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a 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 that incorporates firm-approved tools and modeling techniques.

Shane Dobesh is a financial professional with Cetera, holding Series 63 and Series 65 licenses and three years of industry experience. He has previously worked in real estate and banking, including roles at Rocky Point Real Estate and Manufacturers and Traders Bank. Outside of his advisory role, he is active as a real estate agent for residential properties. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual investors, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large nationwide network of independent advisors, utilizing a multi-manager platform that provides various investment and program options.

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.

Bryan Ray is a financial advisor with Fisher Investments, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. He previously worked at Bank of America and Merrill from 2012 to 2020 before joining Fisher Investments in 2020. Outside of his advisory role, he serves as secretary for the Penfield Little League, where he organizes meetings and communicates with the board of directors. Fisher Investments serves a diverse global client base, including institutional and high-net-worth investors, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm employs a centralized investment process combining quantitative and qualitative analysis, along with tax-aware strategies and risk management techniques.

Alicia Malcolm is a Series 66 licensed financial advisor with UBS Financial Services in Rochester, NY, where she has worked since 2012. She has 13 years of industry experience. Malcolm participates in several industry groups including the Retirement Advisor Council and the National Association of Plan Advisors Leadership Committee. She is also involved with Susan G. Komen, serving on a committee that organizes events related to breast cancer awareness. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory services, utilizing proprietary research and model-based asset allocations to tailor investment plans. The firm combines institutional trading capabilities with wealth management services and offers fiduciary financial planning.

Kimberly Patterson is a ChFC® and Series 66 credentialed financial advisor with 23 years of industry experience. She is currently with Morgan Stanley in Rochester, NY, having joined in 2025 after 12 years with Bank of America and Merrill. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm provides tailored financial planning through a structured process and offers a wide range of advisory programs and investment services.

Susan Kyle is a financial advisor with Wells Fargo Advisors in Rochester, NY, holding a Series 63 designation and 23 years of industry experience. She has been with Wells Fargo Advisors and its affiliates since 2010. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including cash-flow, retirement, education, and niche areas such as business-owner transition and special-needs planning.

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.

Patricia Smith is a financial advisor at RBC Capital Markets with 35 years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at Wells Fargo Clearing and WELLS FARGO Advisors. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers multiple advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles and investment preferences.

Thomson Chew is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 12 years of industry experience. His prior roles include positions at Cadaret, Grant & Co., Inc., MGM Associates Insurance, Chewco LLC, and TIAA-CREF. 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 various advisory programs, financial planning, and retirement consulting services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

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.

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.

Heather Lucas 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 66 license. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and investment modeling in its financial planning process.

Ryan Little is a financial advisor at Morgan Stanley with nine years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Morgan Stanley and its affiliated entities since 2017, including Morgan Stanley Private Bank. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individual and institutional clients. The firm provides tailored financial planning supported by structured discovery and firm‑approved tools, managing approximately $2.74 trillion in client assets.

Shannon De Lorme is a financial advisor at Morgan Stanley in Rochester, NY, holding a Series 66 credential and with six years of industry experience. Before joining Morgan Stanley in 2019, De Lorme worked at SUNY College at Brockport, Giuseppe's Inc., and Tops Friendly Markets. Outside of advisory work, De Lorme is involved in art and culture as a musician and in musical instrument sales through a sole proprietorship. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers comprehensive financial planning and investment management services supported by structured planning tools and a variety of advisory programs.

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.