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 with Guardian Life and holds a Series 66 designation. He has six years of industry experience, including roles at Park Avenue Securities and Citizens Bank. Randall is involved in an insurance-related business outside of Guardian Life. Guardian Life's subsidiary, Park Avenue Securities LLC, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm combines advisor-led discretionary management with model-based strategies and offers a range of financial planning and consulting services tailored to client needs.

Caleb Harris is a CFP® at Allworth Financial, L.P. with one year of experience at the firm and prior roles at High Falls Advisors Inc. and Delta Sonic Car Wash. Based in Rochester, NY, his background includes four years in the car wash industry before transitioning to financial advisory. Allworth Financial serves a diverse client base, including individuals, high-net-worth investors, and institutions, offering a range of financial planning and portfolio management services. The firm employs a combination of quantitative and qualitative investment analysis and provides customized strategies across multiple asset classes.

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.

James Keys is a financial advisor with Steward Partners Investment Advisory, LLC, holding a Series 66 designation and 21 years of industry experience. His prior roles include positions at Ameriprise Financial Services, LLC, and Wells Fargo Clearing. He also serves as an associate advisor managing an advisory business at CNMK Operational Support, LLC. Steward Partners Investment Advisory, LLC is an enterprise-scale SEC-registered RIA managing approximately $36.7 billion in regulatory assets. The firm serves a diverse client base including individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations, offering a range of investment advisory and financial planning services.

Philip Guinn is a financial advisor with Commonwealth Financial Network, holding Series 66 and Series 63 designations and seven years of industry experience. His prior experience includes roles at Wisehaven Financial, Equitable Advisors, Axa Advisors, and Paychex. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing about $212.7 billion in client assets. The firm provides a broad adviser-support platform with discretionary and nondiscretionary managed-account programs, access to third-party asset managers, retirement and plan consulting, and custody/clearing services.

Jonathan Lawrence is a financial advisor with J. W. Cole Advisors, Inc., holding Series 63, 65, and 66 licenses and bringing 29 years of industry experience. He has been with J.W. Cole Financial and J.W. Cole Advisors since 2013. Outside of his advisory role, he owns and operates Jonathan Lawrence Wealth Management, Inc. J.W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a network of over 400 independent investment adviser representatives. The firm provides portfolio management, financial planning, access to third-party managers, and various managed account solutions, with investment decisions implemented on a discretionary or non-discretionary basis.

Jonathan Spacher is a financial advisor with Eagle Strategies, affiliated with New York Life, holding the ChFC® designation and Series 63 license. He has 44 years of industry experience, including roles at Eagle Strategies since 2007, Nylife Securities since 1982, and New York Life Insurance Company since 1972. Outside of advisory activities, he is involved in insurance brokering with outside carriers for non-registered investment-related insurance products. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisers. The firm emphasizes tailored recommendations across multiple program types and manages the majority of its assets on a non-discretionary basis, working with both retail and institutional sponsors within an integrated New York Life affiliate structure.

Shawnnah Sprague is a Series 66 licensed financial advisor at Lincoln Investment with three years of industry experience. She has worked previously at Edward Jones, Horizon Advisory Services, and Private Client Services. Outside of her advisory role, she is involved with Horizon Advisory Services, Inc. Lincoln Investment Planning, LLC serves a broad client base including individual and high-net-worth investors, trusts, charities, and retirement plans. The firm offers financial planning and portfolio management supported by an in-house Investment Management & Research team that develops strategic model portfolios and Adaptive Intelligence Model strategies.

Jeremiah Howard is a CFP® professional with 36 years of industry experience. He has been with Commonwealth Financial Network since 1999 and also works with Crossbridge Financial Group, LLC. In addition to his advisory role, he conducts fixed insurance sales and serves as a notary. Commonwealth Financial Network supports a national network of approximately 2,950 advisors by providing advisory programs, technology, and operational support. The firm offers a range of investment solutions, including discretionary model portfolios and personalized indexing options.

Kristina Smith is a financial advisor with Commonwealth Financial Network in Pittsford, NY, holding a Series 66 designation and bringing 10 years of industry experience. Her prior work includes roles at LPL Financial and Tompkins Financial Advisors. She also engages in fixed insurance sales as part of her business activities. Commonwealth Financial Network supports a national network of approximately 2,950 advisors, offering advisory programs and services such as wealth management, retirement plan consulting, and access to third-party asset managers. The firm provides operational, trading, technology, compliance, and practice-management support, with advisors able to construct client portfolios from a broad range of securities and insurance products.

Timothy Osgood is a financial advisor at Citizens Securities, Inc. with one year of industry experience. He holds a Series 66 credential and previously worked at New York Life Insurance and St John Fisher University. Outside of finance, he has experience in the arts sector through his work with Geva Theatre. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs alongside brokerage and insurance services. The firm’s advisory offerings include a digital advisory program using proprietary algorithms and a Managed Account program, operating as both a broker-dealer and insurance agency.

Morgan Weiler is a financial advisor at Lincoln Investment with 17 years of industry experience. He holds a Series 66 designation and has worked at Lincoln Investment since 2017. Prior to that, he was with Legend Advisory Corporation and Legend Equities Corporation. Outside of his advisory work, he is involved as an independent sales representative and consultant marketing Medicare Advantage Plans during annual enrollment periods. Lincoln Investment Planning, LLC is a large enterprise advisory and broker-dealer serving individual and high-net-worth clients, trusts, charities, and retirement plans. The firm offers financial planning, portfolio management through model portfolios, and both wrap and non-wrap platform options, supported by an in-house Investment Management & Research team.

Sophia Greene is a financial advisor at Lincoln Investment with Series 65 and Series 63 credentials and two years of industry experience. Prior to joining Lincoln Investment, she has held accounting and financial services roles, including positions at Wegmans and as an intern assisting a retirement savings advisor. Lincoln Investment Planning, LLC serves a diverse client base including individuals, high-net-worth investors, trusts, charities, and retirement plans, with a long history of working with educators and participants in 403(b) and 457(b) programs. The firm offers a range of services from financial planning to portfolio management supported by an in-house Investment Management & Research team and third-party managers, operating a layered advisor-led delivery model across a large network.

Joseph D. Amico is a financial advisor with Guardian Life and holds Series 63 and Series 65 licenses. He has 11 years of industry experience and has worked with Guardian Life and Park Avenue Securities throughout his career. Guardian Life’s subsidiary, Park Avenue Securities LLC, provides brokerage and advisory services to individuals, corporate and retirement plan sponsors, and charitable organizations, combining advisor-led discretionary management with model-based strategies and access to both proprietary and third-party solutions.

Gregg Layer is a financial advisor with Commonwealth Financial Network and Marathon Financial, where he has worked for 15 years. He holds Series 63 and Series 65 credentials and has 25 years of industry experience. Outside of advisory work, he is involved in fixed insurance sales and owns Marathon Financial, a private entity facilitating securities, advisory, and insurance business. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and back-office support, including operations, trading, technology, and compliance, while allowing affiliated advisors discretion in constructing client portfolios.

Michael Conley is a ChFC® credentialed financial advisor with 40 years of industry experience, currently with Eagle Strategies (NY Life). His career includes roles at NYLIFE Securities, New York Life Insurance Company, MML Investors Services, MassMutual, Hornor, Townsend & Kent, and Penn Mutual Life Insurance Company. He is also involved in insurance brokering with outside carriers for non-registered products. Eagle Strategies serves individual and institutional clients by offering financial planning, investment management, and retirement-plan advisory services through a network of affiliated investment adviser representatives. The firm provides tailored advisory solutions across multiple program types, with a significant focus on non-discretionary asset management and serving a variety of institutional sponsors.

Thomas Montulli is a financial advisor at Private Advisor Group, LLC with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at LPL Financial LLC since 2011. His prior experience includes roles at Ensemble Financial Services, Inc. and Trusted Securities Advisors Corp. Outside of advisory services, Montulli sells fixed annuities, disability insurance, long-term care insurance, and life insurance. Private Advisor Group, LLC serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by providing portfolio management, financial planning, retirement plan consulting, and access to various advisory programs. The firm’s fiduciary model includes discretionary and non-discretionary management, utilizing technology platforms and a range of investment strategies often implemented through third-party managers.

Stephen Miller is a financial advisor with Commonwealth Financial Network in Pittsford, NY. He holds a Series 66 designation and has 17 years of industry experience. Miller has been with Commonwealth since 2011 and is also associated with Marathon Financial. Additionally, he owns Oakbridge Wealth Management, LLC, a private entity focused on securities, advisory, and insurance business. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and support services, including wealth management, retirement plan consulting, and access to third-party asset managers.