Terri Torregrossa is a financial advisor with Key Investment Services LLC in Rochester, NY, holding Series 63 and Series 66 licenses and 18 years of industry experience. Her career includes various roles within Key Investment Services and Key Bank dating back to 2010. Outside of her advisory work, she is involved in managing residential real estate properties. Key Investment Services LLC is an SEC-registered investment adviser and wrap-fee program sponsor that serves individuals, trusts, estates, small businesses, and institutional clients through a network of financial professionals. The firm offers model-based portfolio management supported by a multi-provider platform and integrates services with KeyCorp affiliates.

Peter Noto is a financial advisor at &Partners with Series 63 and Series 65 licenses and 40 years of industry experience. He previously worked at Wells Fargo Clearing for eight years before joining &Partners in 2024. He serves on several boards, including as Vice Chairman of the Aquinas Institute of Rochester Foundation, which manages educational endowment assets. &Partners serves a diverse range of individual and institutional clients, offering investment management, financial and tax planning, ERISA consulting, and brokerage services through both discretionary and non-discretionary accounts. The firm employs a combination of fundamental, technical, and quantitative analysis and utilizes proprietary and third-party strategies.

Larry Rabinowitz is a CFP® with six years of industry experience and is currently an advisor at Mariner. His prior roles include eight years at Forte Capital LLC and seven years at Bank of America. Mariner serves a wide range of clients including individuals, pension and profit-sharing plans, trusts, and charitable organizations, offering investment management, financial planning, retirement plan consulting, and coordinated tax services. The firm utilizes discretionary, customized portfolios supported by in-house research and third-party managers, and provides integrated tax and accounting services alongside traditional portfolio management.

Timothy Modesti is a CFP® and holds a Series 65 license with one year of experience in the financial industry. He is currently with Wealth Enhancement Advisory Services, LLC, having joined in 2025 following a nine-year tenure at Northern Trust from 2016 to 2025. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting to individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets and employs a diversified, risk-class based investment approach that combines passive and active management with oversight from an internal Investment Committee.

Philip Ashe is a financial advisor at Kestra Advisory with 14 years of industry experience. He holds a Series 63 designation and has worked at Kestra Advisory Services, LLC since 2016 and at Regent Financial Group since 2014. In addition to his advisory roles, Ashe provides business consulting services to independent clients, including market research and business plan development. Kestra Advisory Services offers investment advisory and retirement-plan consulting to a range of institutional and individual clients, including plan sponsors. The firm provides services such as fiduciary consulting, plan-level investment advice, and employee education, supporting large institutional investors and utilizing multiple management platforms and third-party solutions.

Ana Ventura is a financial advisor with Commonwealth Financial Network in Rochester, NY. She holds a Series 66 designation and has been with Commonwealth and TK & Associates since 2025. Her prior experience includes roles in hospitality and education, including positions at Serendipity Labs, Courtyard by Marriott, and Rosen College of Hospitality. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm offers a range of advisory programs and services, providing operations, trading, technology, investment management, compliance, and practice-management support to affiliated advisors.

Thomas Hamilton is a financial advisor with Private Advisor Group, LLC, holding a Series 63 designation and bringing 30 years of industry experience. His prior roles include positions at Securities America Inc., WealthPLAN Partners, LLC, and LPL Financial. Outside of his advisory work, Mr. Hamilton hosts the local radio show Wall Street to Main Street on WYSL 1040 AM. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering a range of portfolio management and financial planning services. The firm employs a fiduciary-based model, utilizing multiple investment strategies and technology platforms while providing access to proprietary and third-party managed account solutions.

Cindy Ziegler is a financial advisor with Citizens Securities, Inc. in Rochester, NY, holding Series 63 and Series 65 licenses and having 27 years of industry experience. She has been with Citizens Securities since 2005. Outside of her advisory role, she provides bookkeeping and administrative support for her husband's business. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering investment advisory programs, brokerage, and insurance services. The firm’s advisory offerings include a digital advisory program and a Managed Account program, operating as both a broker-dealer and insurance agency.

Duncan Radcliffe is a financial advisor with Principal Financial Services, holding the ChFC® designation and Series 63 license, with 24 years of industry experience. He has been with Principal Securities and Principal Life Insurance since 2001. Outside of his advisory role, he is involved in selling fixed life insurance, fixed annuities, disability insurance, and long-term care insurance through various carriers. Principal Securities offers brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and businesses. The firm’s advisory approach includes direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions under various arrangements.

Gregory Kausch is a financial advisor with Equity Services, Inc. in Rochester, NY, holding a Series 63 designation and bringing 37 years of industry experience. His prior work includes roles at National Life Group and Prudential Insurance Company of America. Outside of his advisory work, he serves on the boards of St. Ann's Community Foundation and Rochester Regional Health Foundation and is a member of the Rochester Rotary Club. Equity Services, Inc., doing business as ESI Financial Advisors, provides financial planning, consulting, and asset management to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms and frequently utilizes third-party asset managers and model portfolios, combining long-term strategies with options for shorter-term trading and specialized instruments.

Agustin Amores Aguiar is a financial advisor with Eagle Strategies (NY Life) based in Victor, NY. He holds Series 65 and Series 63 licenses and has two years of industry experience. His prior work includes roles at USPS and UPS before joining Eagle Strategies and its affiliates in 2024. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisors. The firm offers a variety of program types tailored to client objectives and plan sponsor criteria, primarily managing assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Travis Walls is a financial advisor with Citizens Securities, Inc. in Rochester, NY, holding a Series 66 credential and seven years of industry experience. His prior roles include positions at Bank of America, Merrill, JPMorgan Chase Bank, and J.P. Morgan Securities. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, and offers both investment advisory programs and brokerage and insurance services. The firm’s advisory offerings include a digital advisory program and a Managed Account program, operating as both a broker-dealer and insurance agency.

Galina Kolossovsky is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. Her prior firms include LPL Financial, City National Bank, RBC Capital Markets, J.P. Morgan Securities, and Chase Investment Services Corp. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering discretionary and non-discretionary portfolio management, financial planning, retirement consulting, and access to various managed account solutions. The firm employs a fiduciary-based advisory model and utilizes technology platforms alongside a range of investment strategies, often implementing advice through third-party managers and TAMPs.

Julie Thomas is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 designations and bringing 36 years of industry experience. She has been with Commonwealth since 2014. Julie also engages in fixed insurance sales through a business named Crossbridge Financial Group, LLC. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and hundreds of thousands of clients. The firm offers a comprehensive adviser support platform including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Lydia Palmer is a Series 66-credentialed financial advisor with five years of industry experience. She is affiliated with Park Avenue Securities, a subsidiary of Guardian Life Insurance Company, and has previously worked for both firms during her career. Outside of her advisory role, Palmer is involved with the Syracuse University Alumni Club of Rochester, where she serves as finance chair and participates in planning outreach and events. Park Avenue Securities provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers financial planning, consulting, and access to proprietary and third‑party investment programs, combining advisor-led discretionary management with model-based strategies and a range of operational and lending solutions.

Sydia Cromer is a financial advisor at Key Investment Services LLC with 34 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Key Investment Services since 2012, following four years at HSBC Securities (USA) Inc. Outside of her advisory role, she is involved with Young Living Essential Oils as a member. Key Investment Services LLC is an SEC-registered investment adviser providing portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional clients through a network of financial professionals. The firm emphasizes non-discretionary model selection supported by multiple wrap programs and integrates services from KeyCorp affiliates to offer a diverse range of investment and advisory solutions.

Rocky Martini is a financial advisor with Guardian Life and holds the ChFC® designation along with Series 63 and Series 65 licenses. He has 12 years of industry experience, primarily with Park Avenue Securities and Guardian Life. Outside of his advisory role, he serves as a Business Development Representative for a tax planning firm. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, offers brokerage and investment advisory services to individuals, corporations, retirement plan sponsors, and charitable organizations. The firm combines advisor-led discretionary management with model-based strategies, providing tailored financial planning, consulting, and access to proprietary and third-party investment solutions.

Roderick Williams is a Series 66-licensed financial advisor with Guardian Life in Pittsford, NY. He has one year of industry experience, including roles at Guardian Life, Park Avenue Securities, and Alliance Financial Network. Prior to entering the financial sector, he worked for five years at Walmart and has experience in education. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and advisory services to individuals, businesses, and organizations. The firm offers tailored financial planning and investment solutions through a combination of advisor-led management and model-based strategies, supported by proprietary and third-party platforms.

Joshua Moscov is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 12 years of industry experience. He has been with Commonwealth and co-owns Heritage Financial Services, LLC since 2014. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and managing about $212.7 billion in client assets. The firm offers a broad adviser-support platform that includes managed-account programs, access to third-party asset managers, retirement and plan consulting, and custody and clearing services.

Harold Shill is a CFA® charterholder with four years of industry experience, currently advising at Wealth Enhancement Advisory Services, LLC. He previously spent 30 years with QCI Asset Management, Inc. Outside of his advisory role, Shill is the founder of the Molly & Ed Shill Cares Foundation and serves as co-chair of the capital campaign for Lollypop Farm, as well as an honorary board member of the Willow Domestic Violence Center. Wealth Enhancement Advisory Services serves individuals, high-net-worth clients, corporations, and retirement plans by providing financial planning, asset management, and retirement-plan consulting through a large advisor network managing over $122 billion in assets. The firm employs a diversified, risk-class based investment approach blending passive and active management with oversight from an internal Investment Committee.