Ricci Elnicki is a CFP® with 10 years of industry experience, currently serving as a financial advisor at Ameriprise Financial Services, LLC since 2016. He co-owns the Elnicki Sutter Group LLC, through which he manages an Ameriprise advisory business. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, known for its specialized Premier Retirement Income service that provides tailored retirement income planning and tax-aware withdrawal strategies.

Christa Sharkey is a financial advisor with Mass Mutual Investors Services in Rochester, NY, holding a Series 66 license and bringing 11 years of industry experience. She has worked at Mass Mutual since 2016 and previously spent four years at METLIFE SECURITIES Inc. Sharkey is also an individual life insurance agent. 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 offers financial planning, asset management, wrap and money-manager programs, and educational seminars.

Daniel Coccia is a financial advisor with Cetera who holds a Series 63 designation and has 11 years of industry experience. He previously worked for Avantax Insurance Agency, Avantax Advisory Services, and Avantax Investment Services. Outside of his advisory role, he owns an accounting and tax preparation business and serves on the board of the Reh Family Foundation, where he assists with charity selections and tax matters. He also held the position of Immediate Past President at the New York State Society of Enrolled Agents. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, managing assets across various program structures and custodial relationships.

Karl Heath Jr is a financial advisor with 22 years of industry experience. He is currently with Mass Mutual Investors Services and holds a Series 63 designation. His previous experience includes roles at Massachusetts Mutual Life Insurance Company and Metlife Securities, Inc. MassMutual Investors Services 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, utilizing firm-approved software to analyze client goals and deliver written recommendations.

Debra Hilleman is a financial advisor at Wells Fargo Advisors with 30 years of industry experience. She has been with Wells Fargo Advisors Financial Network since 2009 and holds a Series 63 designation. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, serving individuals, trusts, and institutional clients through a broad range of investment and financial planning services tailored to clients who meet a net-worth threshold.

Leah Coyle is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity Investments in 2025, she held positions at Kodak Alaris, Butler/Till, and other companies. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including multi-manager and fund-of-funds structures. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary accounts, serving a broad client base with systematic investment approaches.

Raymond Allen Jr. is a financial advisor at J.P. Morgan Securities with 21 years of industry experience. He holds Series 66 and Series 63 designations and has been with J.P. Morgan Securities since 2012. Outside of finance, he is involved in a family-owned flooring business, Grade A Carpeting, Inc., where he performs general labor tasks. 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 applying an ESG eligibility framework in its investment recommendations.

Joel Di Martino is a financial advisor with Merrill in Rochester, NY, holding Series 63 and Series 65 designations and seven years of industry experience. Before joining Merrill in 2025, he spent 24 years at Wilmington Trust/M&T Bank. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Hannah Byron is a financial advisor with J.P. Morgan Securities in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. She has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2012. Outside of her advisory role, she is an owner and partner of Sparkyjoy LLC, a real estate business. J.P. Morgan Securities 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 institutional advisory services with brokerage, distribution, and investment management capabilities.

Jessica Millan is a financial advisor with Edward Jones in Rochester, NY, holding CFP® and Series 66 designations and bringing 15 years of industry experience. She has been with Edward Jones since 2010. Outside of her advisory role, she is involved as a silent partner in a healthcare-related business specializing in ramps, lifts, and scooters, and she manages maintenance and finances for a commercial property through her LLC. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment options, supported by a large network of advisors and branch offices across the country.

Breauna Crumpler is a financial advisor at J.P. Morgan Securities with six years of industry experience. She holds the Series 66 designation and has previously worked at Bank of America, Merrill, and JPMorgan Chase Bank. J.P. Morgan Securities LLC provides institutional consulting services to clients such as 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.

Carla Morris is a Series 66–licensed financial advisor with Edward Jones in Rochester, NY, where she has worked since 2013. She has 12 years of industry experience. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies, separately managed accounts, affiliated mutual funds, and operates under a fiduciary standard.

David Fedrizzi is a CFP® and ChFC® with 38 years of industry experience. He is currently with Ameriprise in Pittsford, NY, having joined the firm in 2025. His prior experience includes roles at LPL Financial and TIAA-CREF. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets, providing detailed written Recommendation Reports that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm uses a centralized consulting team and a combination of research, modeling, and algorithmic tools to generate and tailor recommendations.

John Mc Donald III is a financial advisor at Ameriprise with 32 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is involved in consulting through Creative Management Consultants, LLC, providing support and guidance on practice operations and marketing. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations, primarily for clients holding assets in Ameriprise Managed Accounts.

James Muchard is a financial advisor with LPL Financial in Rochester, NY, holding Series 65 and Series 66 credentials and bringing 28 years of industry experience. Prior to joining LPL Financial in 2025, he worked at Securities America Advisors and Invest Financial Corporation. In addition to his advisory role, he operates Muchard Financial, a tax preparation and accounting business, and teaches in the Rochester City School District. 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. The firm offers a variety of advisory programs and financial planning services, utilizing model portfolios, research, and technology to provide discretionary and non-discretionary management solutions.

Daniel Benati is a financial advisor with J.P. Morgan Securities who holds Series 63 and Series 65 licenses and has 29 years of industry experience. He has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2012. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Christopher Kenney is a financial advisor at Equitable Advisors with one year of industry experience. He holds a Series 66 designation and previously worked in various roles outside the financial industry, including positions at Bob Johnson Toyota and Nazareth College. He serves as a trustee of a family trust for his grandfather, Edward Kenney. Equitable Advisors provides financial planning, retirement-plan support, and asset management services to individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm operates a hybrid referral and implementation model, utilizing third-party asset managers and offering both advisory and brokerage channels.

Brian Murray is a financial advisor with LPL Financial in Rochester, NY, holding Series 63 and Series 66 designations and bringing 26 years of industry experience. His prior roles include positions at ESL Investment Services, KeyBank, and First Niagara Bank. 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, financial planning, and retirement plan consulting with both discretionary and non-discretionary management options.

Kelly Zito is a financial advisor with LPL Financial, holding the ChFC® and Series 63 designations and bringing 10 years of industry experience. Prior to joining LPL Financial in 2025, Kelly worked at Lincoln Financial Advisors from 2015 to 2025. Kelly is also a Notary Public in New York State. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning services, and retirement plan consulting, utilizing discretionary and non-discretionary management supported by model portfolios, research, and technology-driven approaches.

Abigail Creary is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. Her prior roles include positions at Stifel and Constellation Brands, as well as work in education and food service. She also has experience working with Shadow Lake Golf & Restaurant. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, and it serves as an advisor to multiple registered investment companies and fund-of-funds.