Bradley Smith is a financial advisor with Mass Mutual Investors Services in Webster, NY, holding a Series 63 designation and 11 years of industry experience. He has worked at Mass Mutual Investors Services since 2019 and previously held roles at Guardian Life and Park Avenue Securities. Outside of his advisory work, he is the CEO and owner of Cardinal Wealth LLC and also acts as a life and disability insurance agent. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm offers financial planning, asset management, and educational seminars, emphasizing collaborative, annual planning relationships using firm-approved analytical tools.

Robert Gringeri Jr. is a CFP® and holds a Series 66 designation. He has 15 years of industry experience and has been with Wells Fargo Clearing since 2016, following a five-year tenure at Wells Fargo Advisors LLC. He is also involved in educational activities. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Dale Anderson is a financial advisor at OSAIC with 40 years of industry experience. He holds the Series 63 and Series 65 credentials and has worked at Securities America Advisors, Inc. and Anderson-Van Horne Associates Inc., where he serves as president overseeing insurance sales and service. Anderson is also vice president of Evolution Financial Advisors, Inc. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and corporate clients through an extensive network of affiliated advisers. The firm provides integrated brokerage and advisory services, employing asset-allocation tools and third-party platforms to construct diversified portfolios managed on discretionary or non-discretionary bases.

Jeffrey Chapman is a financial advisor with Cetera, holding Series 63 and Series 65 designations and over thirty-two years of industry experience. He has been with Cetera and related entities since 2016 and also serves as Vice President of Penfield Financial Group LLC. Additionally, he is a board member of Shepherd Home, a hospice facility, and is involved in fixed insurance sales and residential real estate transactions. Cetera Investment Advisers LLC operates as a multi-manager platform serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services supported by proprietary and third-party investment solutions.

John Summers is a financial advisor with LPL Financial in Victor, NY, holding a Series 63 license and bringing 39 years of industry experience. He has been associated with LPL Financial since 2018 and previously worked at Cetera Advisors LLC for two years. Summers has operated Summers Financial Services since 1987. 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 portfolio programs, third-party asset management, and institutional platforms, supporting over 22,800 advisors and managing over $819 billion in discretionary assets.

Suzanne Xander is a financial advisor at Wells Fargo Clearing with 22 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Wells Fargo Clearing since 2016, following four years at Wells Fargo Advisors LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a range of investment advisory services, financial planning, and retirement plan consulting, utilizing research and analytics from Wells Fargo Investment Institute and third-party sources.

Peter Bishop is a financial advisor with UBS Financial Services in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with UBS since 2008. Outside of his advisory role, he is a member of the Screen Actors Guild and works as a Natural Health Consultant, operating through his firm, Extraordinary Gentleman LLC. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, leveraging proprietary research and model-based asset allocations to tailor plans according to clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, including advisory, custody, underwriting, and capital markets options.

Susan Dezio is a financial advisor with UBS Financial Services in Rochester, NY, holding a Series 66 designation and nine years of industry experience. She previously worked at Morgan Stanley for ten years before joining UBS in 2025. Outside of her advisory role, she serves on the board of directors and as the financial secretary for the St John Fisher Columbiettes Auxiliary, a charity organization focused on fundraising and community service. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management and offers proprietary research, capital markets services, and affiliated banking programs.

Geoffrey Glanville is a CFP®, ChFC®, and Series 66 licensed financial advisor with Edward Jones, where he has worked since 2010, totaling 16 years of industry experience. He serves as an adjunct professor at the American College of Financial Services, teaching retirement and investment courses within the CFP, ChFC, and RICP programs. Edward Jones is a full-service wealth management firm that serves more than four million clients, including individuals, institutions, and charitable organizations. The firm offers a range of advisory programs and investment solutions, managing approximately $1.01 trillion in assets through a large network of financial advisors and branch offices nationwide.

Michael Katz is a Senior Financial Advisor at Merrill Lynch Wealth Management in Pittsford, NY. He leads the Katz Team, which has over 30 years of combined experience, specializing in financial strategies and investment management for high-net-worth individuals and families. The team serves a diverse client base, including professional athletes, entertainers, small business owners, doctors, engineers, entrepreneurs, and attorneys, with clients located in Rochester, NY, and 30 states across the country. With more than 10 years of experience in financial services, customer service, leadership, and small business coaching, Michael brings a comprehensive approach to wealth management. He previously worked as a mortgage loan originator specializing in residential refinances and held a dual role as an advisor within a Bank of America Financial Center. Michael helps clients connect all aspects of their financial lives to strategies designed to improve or simplify their situations, ensuring they take full advantage of Merrill's wealth management and investment tools. Michael holds a Bachelor's Degree from Arizona State University and holds the designations of Personal Investment Advisor (PIA) and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). His personal interests include camping, fishing, football, golfing, ice hockey, music, and traveling.

Barbara Fraser is a CFP® professional with 27 years of experience in the financial industry. She has been with UBS Financial Services Inc. since 2009. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm employs proprietary research and model-based asset allocations to tailor financial plans according to clients' goals and risk tolerances.

Matthew Miller is a financial advisor at J.P. Morgan Securities with a Series 66 designation and three years of industry experience. His prior work includes roles at Primerica Advisors, Guardian Life Insurance Company, and Alliance Advisory Group. Outside of his advisory role, he provides basic home care services for his grandmother through an assisted living position. 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. The firm combines large institutional advisory operations with broker-dealer, investment adviser, and commodity futures registrations, delivering recommendations on a non-discretionary basis.

Holly Hare is a financial advisor with Merrill, holding a Series 66 designation and eight years of industry experience. She has worked at Merrill since 2017 and Bank of America, N.A. since 2018, following five years at Staples Inc. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Daniel La Crosse is a financial advisor with LPL Financial, holding a Series 66 designation and two years of industry experience. Before joining LPL Financial in 2024, he worked at Howe & Rusling Wealth Management and LVW Advisors LLC. Outside of his advisory role, he serves as a lacrosse referee with the Genesse Valley Lacrosse Officials Association. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting a broad range of investment strategies and operational tools.

Trevor Smith is a financial advisor at OSAIC with Series 63 and Series 65 licenses and three years of industry experience. Prior to joining OSAIC, he worked at Cambridge Investment Research, Inc. and related entities, as well as RFG Advisory, LLC dba SixPoint Financial Partners. Outside of his advisory role, he owns TD Smith Tax LLC, a firm that files tax returns. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a broad network of affiliated financial advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services with an emphasis on asset allocation and risk management using various tools and supports multiple portfolio management approaches including discretionary and non-discretionary accounts.

Joshua Tomko is a CFP® professional with 11 years of experience in the financial services industry. He has been with UBS Financial Services since 2014. Based in Rochester, NY, he holds the Series 66 license. UBS Financial Services Inc. provides brokerage and investment advisory solutions to individual, corporate, and institutional clients. The firm combines institutional trading capabilities with wealth management services, offering a range of products including fee-based financial planning, portfolio management, and access to proprietary research.

Philip Welch is a financial advisor with Wells Fargo Clearing in Pittsford, NY, holding Series 63 and Series 65 licenses and over 40 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Outside of his advisory role, he serves as a trustee of his mother's trust. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Thomas Janosky is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has been serving clients since 2015. He employs a goals-based wealth management process, utilizing global resources and web technology to assist clients in pursuing financial lifestyles that align with their personal objectives. His practice specializes in working with successful corporate executives, offering services such as retirement planning, wealth management, financial strategy development, education funding, and portfolio development. Thomas places particular emphasis on retirement income planning, tax minimization, corporate benefits, divorce transition planning, and legacy considerations, often collaborating with clients’ estate planning advisors. Thomas earned a Bachelor of Science degree in Business Administration from Westminster College in 2011 and holds FINRA Series 7 and Series 66 registrations along with the Personal Investment Advisor (PIA) designation. Prior to joining Merrill Lynch, he gained experience as a Customer Service Manager, building strong communication skills that inform his client-focused approach. Thomas is a member of Hope Lutheran Church and contributes to his community as a teacher for the Financial Peace University program. In his personal time, Thomas resides in Henrietta with his wife and engages in activities such as football, golf, and tennis. He is also active at the YMCA and involved with his church community. Prospective clients may contact him via email or phone for customized retirement planning, complex pension analysis, second-opinion consultations, or assistance with 401(k) decisions following employment changes.

James Merkley is a financial advisor at UBS Financial Services with 23 years of industry experience. He holds the Series 66 designation and has been with UBS since 2009. Outside of his advisory work, Merkley serves as co-chairperson of corporate chalets and tents at Oak Hill Country Club, is a member of its Board of Governors, and holds trustee and officer roles with local charitable organizations including the Hillside Children’s Foundation and the Rochester Businessmen’s Charitable Organization. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings that include fee-based financial planning, portfolio management, and access to a broad range of financial products. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

Andrea Hageman is a financial advisor with UBS Financial Services in Rochester, NY, holding a Series 66 designation and 8 years of industry experience. She has been with UBS since 2017 and previously worked with The Arc of Monroe County and Young Entrepreneurs Academy, Inc. Hageman is also a member of the Junior League of Rochester, where she participates in fundraising, volunteering, and event planning. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services tailored to clients’ goals and risk tolerances.