Jeffrey Smith is a financial advisor with Wells Fargo Clearing in Pittsford, NY, holding Series 63 and Series 66 licenses and 18 years of industry experience. He previously worked at Merrill and Bank of America, N.A. for 11 years. Outside of his advisory role, he is involved in operating a franchised medical clinic and a vending machine business with his spouse. 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 uses research and analytics to support diversified investment strategies and offers a broad range of financial products through bank and insurance affiliates.

Rebecca Bowman is a financial advisor at Morgan Stanley with 17 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, N.A. since 2010. Outside of her advisory role, she is involved as an officer in a property management business based in New York. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and does not offer individual security recommendations within its standalone planning services.

Suzanne Plain Ward is a financial advisor with RBC Capital Markets in Rochester, NY, holding Series 63, 65, and 66 licenses and bringing 21 years of industry experience. She has been with RBC Capital Markets since 2012. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to each client’s risk profile.

John Montague is a financial advisor with Morgan Stanley in Rochester, NY, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. He previously worked at Wells Fargo Clearing for 10 years before joining Morgan Stanley in 2026. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through employer-sponsored financial planning agreements.

Amanda Delmonico is a financial advisor at OSAIC with three years of industry experience. She holds the Series 66 designation and has previously worked at Securities America Advisors and Securities America, Inc. Outside of her advisory role, she is involved in insurance sales through a separate financial services activity. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients. The firm offers a range of brokerage and advisory programs supported by model-based asset allocation and portfolio optimization, with a platform notable for its scale, complex affiliate network, and private-equity ownership.

Nathaniel Jones is a Wealth Management Advisor with Merrill Lynch Wealth Management. In his role, he focuses on developing personalized financial strategies tailored to clients' individual goals and changing market conditions. He leverages the investment insights of Merrill and the banking and lending solutions of Bank of America to support clients’ wealth management needs. Nathaniel holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a bachelor's degree from Grove City College. Nathaniel also participates in community volunteer activities, reflecting his commitment to the communities served by Merrill.

Scott Kogler is a financial advisor with Cetera, holding the PFS™ designation and Series 66 license, and has 22 years of industry experience. He has previously worked with Avantax Advisory Services and Avantax Investment Services, and maintains roles at Davie Kaplan CPA, P.C. and Davie Kaplan Wealth Care Advisors. Outside of his advisory work, Kogler serves as Treasurer for the Monroe Community College Foundation and acts as trustee for multiple grantor trusts. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a multi-manager platform with a range of portfolio management options, including third-party managers and bespoke strategies, supported by over 10,000 advisors and more than $256 billion in assets under management.

Victoria Montemorano is a financial advisor at UBS Financial Services with five years of industry experience. She holds a Series 66 designation and has worked at UBS since 2020. Her prior roles include positions at Beau Ventures LLC and Eaton Vance. UBS Financial Services Inc. serves individual, corporate, and institutional clients with brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, using proprietary research and model-based asset allocations to tailor client plans.

David Sano is a financial advisor at UBS Financial Services with 18 years of industry experience. He holds the Series 66 designation and previously worked at Morgan Stanley for nine years before joining UBS in 2025. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor investment strategies.

Stephen Brown is a financial advisor with Stifel who holds Series 63 and Series 65 licenses and has 38 years of industry experience. He has been with Stifel Nicolaus & Co. Inc. since 2014. Outside of his advisory role, he is a co-founder of Iron Smoke Whiskey, LLC, serves as a trustee of Nazareth College, chairs the investment committee at Nazareth University, and participates on the advisory board for the Rochester Knighthawks professional lacrosse team. Stifel serves a broad range of clients, including individuals, institutional investors, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and financial planning analyses.

Paula Terzioglu is a financial advisor at Morgan Stanley in Rochester, NY, with 19 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2009, including time at Morgan Stanley Private Bank, N.A. Since 2020, she has also been involved in business development for Antpmt LLC, a real estate-related venture. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured, firm-approved planning process.

Yolibeth Garcia Mcgowan is a financial advisor at RBC Capital Markets in Rochester, NY, with 18 years of industry experience. She holds the Series 66 designation and has been with RBC Capital Markets Corporation since 2008. RBC Wealth Management, a division of RBC Capital Markets, serves a broad client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various wrap fee advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers.

Harry Kaplan is a Financial Consultant at Fidelity Investments, a position he has held since 2025. He has been with Fidelity Investments since 2023, initially serving as an Investment Consultant before his current role. Prior to joining Fidelity, Harry worked as a Financial Advisor at Prudential from 2022 to 2023. His earlier experience includes roles focused on high net worth clients at Vanguard and shareholder services and trade processing at Manning & Napier from 2017 to 2022. Harry partners with clients to build financial plans centered around their priorities, engaging in a collaborative process to empower clients to take confident steps toward their financial future. Outside of his professional work, Harry's interests include cooking and baking, golf, music, and parenthood.

John Kramer is a Series 66-licensed financial advisor with 26 years of industry experience. He has worked at LPL Financial since 2019 and previously spent 14 years at Ameriprise Financial Services. Kramer is based in Pittsford, NY. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Kenneth Ingersoll is a financial advisor at Osaic Wealth with 19 years of industry experience. He holds a Series 66 credential and has previously worked at Securities America Advisors, Inc. and Cambridge Investment Research. Ingersoll is also a partner at Allied CPAs P.C. and serves as vice president of Allied Financial Services, Inc. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services with a model-based investment approach emphasizing asset allocation, portfolio optimization, and the use of unified managed accounts and third-party managers.

Mark Blakeney is a financial advisor with LPL Financial based in Rochester, NY, holding the ChFC® and Series 63 designations. He has 17 years of industry experience, including prior roles at Mass Mutual Investors Services, Mass Mutual Life Insurance Company, and Prudential Insurance Company of America. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolios, third-party asset management, and institutional platforms.

Victoria Lethbridge is a financial advisor with Merrill in Pittsford, NY, holding a Series 66 designation and 23 years of industry experience. She has been with Merrill since 1997. Merrill, along 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, pension plans, corporations, and charitable organizations.

Paul Diduro is a financial advisor with Mass Mutual Investors Services in Rochester, NY, holding a Series 63 designation and 38 years of industry experience. He has worked at Metropolitan Life Insurance Company since 1987 and has been with Mass Mutual Investors Services since 2017. Additionally, he operates as an independent insurance agent specializing in life, accident, and health insurance. 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 provides ongoing financial planning and offers asset management, wrap and money-manager programs, and educational seminars.

Joseph Crispino is a financial advisor at Wells Fargo Clearing with 36 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and integrates research and analytics to support its investment approach.

Emma Mercurio is a financial advisor at Charles Schwab with a Series 66 credential and experience beginning in 2024. Her prior roles include positions at M&T Bank and several retail companies. She has also spent several years in full-time education. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment options supported by centralized custody and due diligence resources.