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 license and possessing 30 years of industry experience. His prior work includes roles at Securities America Inc., WealthPLAN Partners, LLC, and LPL Financial. Outside of advisory services, he hosts a local radio show, Wall Street to Main Street, on WYSL 1040 AM. Private Advisor Group serves a diverse client base including individuals, trusts, and charitable organizations, offering portfolio management, financial planning, and retirement-plan consulting through various advisory programs and access to third-party asset managers and turnkey platforms.

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 Series 63 licensed advisor with Equity Services, Inc. in Pittsford, NY, bringing 36 years of industry experience. He has worked with National Life Group since 2018 and previously with Prudential Insurance Company of America and Pruco Securities LLC from 2015 to 2018. Outside of his advisory role, Kausch serves on the boards of St. Ann’s Community Foundation and Rochester Regional Health Foundation, and he is a member of the Rochester Rotary Club. Equity Services, Inc., also known as ESI Financial Advisors, provides financial planning, consulting, and asset management services to a broad range of clients including individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms often utilizing third-party asset managers and model portfolios, combining long-term strategies with options for shorter-term trading and specialized instruments.

Galina Kolossovsky is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. Her prior roles include positions at City National Bank, RBC Capital Markets, and J.P. Morgan Securities. She is also involved in insurance sales alongside her advisory work. Private Advisor Group, LLC is an SEC-registered firm managing over $41 billion across more than 135,000 client relationships. The firm serves individuals, trusts, estates, charitable organizations, and corporate and retirement plan clients, offering portfolio management, financial planning, and access to third-party asset management programs.

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 licensed financial advisor with five years of industry experience, currently with Primerica Advisors in Rochester, NY. She has held roles at Park Avenue Securities and Guardian Life Insurance Company since 2020. Outside of her advisory work, she is involved with the Syracuse University Alumni Club of Rochester, serving as Finance Chair and assisting with outreach and events. Park Avenue Securities serves a diverse retail client base, offering brokerage and advisory services along with financial and business consulting. The firm employs a range of investment strategies through proprietary and third-party portfolios and supports various account services including lending solutions and donor-advised funds.

Sydia Cromer is a financial advisor with Key Investment Services LLC in Rochester, NY, holding Series 63 and Series 65 designations and bringing 34 years of industry experience. She has been with Key Investment Services since 2012. Outside of her advisory role, she is involved with Young Living Essential Oils, a personal-use organization, with limited monthly participation. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through various advisory programs, model portfolios, and managed accounts. The firm focuses on client-directed investment decisions supported by advisory recommendations and conducts ongoing due diligence and supervisory oversight, operating within the KeyCorp group and maintaining affiliations with KeyBank and KeyBanc Capital Markets.

Rocky Martini is a financial advisor at Guardian Life with 12 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Martini has worked with Park Avenue Securities and Guardian Life Insurance Company throughout his career. He is also involved in business development for a tax planning firm, Tax Strategy Pro. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management and a wholly owned subsidiary of The Guardian Life Insurance Company of America, provides brokerage services, financial planning, retirement plan consulting, and investment advisory programs to individuals, pension plans, charitable organizations, and corporate clients. The firm offers both discretionary and non-discretionary advisory relationships utilizing in-house and third-party model portfolios.

Roderick Williams is a financial advisor at Guardian Life and Park Avenue Securities with a Series 66 designation. He has one year of industry experience. Prior to entering the financial services field, he worked for Walmart for five years and has teaching experience at Hilton High School and Merton Williams Middle School. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a dually registered broker-dealer and SEC-registered investment adviser serving individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers brokerage services, financial planning, retirement plan consulting, and a mix of proprietary and third-party investment advisory programs.

Joshua Moscov is a financial advisor at Commonwealth Financial Network with 11 years of industry experience. He holds the Series 66 designation and has been with Commonwealth since 2014. In addition to his advisory role, he is a co-owner of Heritage Financial Services, LLC, which facilitates securities, advisory, and insurance business. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, providing a range of advisory programs, investment management, and practice-management support. The firm offers various investment solutions, including discretionary model portfolios and personalized indexing options, while acting as a platform and back-office provider.

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.

Peter Owh is a financial advisor with J.W. Cole Advisors, Inc., holding a Series 66 designation and 25 years of industry experience. His prior roles include positions at Hornor Townsend & Kent Inc and Penn Mutual Life Insurance Company, where he worked for 11 years. He also serves as Chief Operating Officer of Champlin & Associates, a financial services firm. J.W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a national network of over 400 independent investment adviser representatives. The firm offers portfolio management, fee-based financial planning, access to third-party managers, and various managed account solutions, with investment decisions implemented on discretionary or non-discretionary bases.

Robert Barley Jr. is a financial advisor with J.W. Cole Advisors, Inc. in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. His prior roles include positions at LPL Financial and Private Advisor Group, LLC. Outside of his advisory work, he serves on the Town of Henrietta Town Council and is the board treasurer for the Tim Horton’s Ice Plex hockey arena. J.W. Cole Advisors is an SEC-registered investment adviser that serves individuals, charities, corporations, and retirement plans through a national network of over 400 independent investment adviser representatives. The firm offers portfolio management, fee-based financial planning, access to third-party managers, and various managed account solutions implemented on discretionary or non-discretionary bases.

Frank Randall is a financial advisor at Primerica Advisors with five years of industry experience. He holds the Series 66 designation and has worked at Park Avenue Securities and Guardian Life Insurance Company. Randall has also been involved with Allstate Roofing and More LLC. Primerica Advisors serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers a range of brokerage and advisory services, utilizing proprietary and third-party investment strategies across various account types.

Caleb Harris is a CFP® professional with one year of experience at Allworth Financial, L.P. in Rochester, NY. He previously worked at High Falls Advisors Inc. for four years and has a background that includes time at Delta Sonic Car Wash. Allworth Financial is a fee-based SEC-registered adviser serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm utilizes customized portfolios with various model strategies and employs technology to manage held-away employer retirement accounts.

Daniel Masino is a financial advisor with Commonwealth Financial Network in Rochester, NY. He holds the Series 66 designation and has three years of industry experience. His prior roles include positions at Angelo Planning Group, OSAIC, and Gordon Brothers Group, as well as work experience with the University of Rochester and Bloomberg LP. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a range of advisory programs and back-office services, including investment management and practice-management support, allowing advisors discretion in constructing client portfolios from diverse securities and insurance products.