Ann Marie Depoian is a financial advisor with Primerica Advisors in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. She has worked at PFS Investments Inc. since 2003 and Primerica Financial Services since 2001. In addition to her advisory role, she is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure, delegating trading to BNY Mellon Advisors and custody to Pershing and Primerica Brokerage Services.

Kelvin Martinez Montes is a financial advisor with LPL Financial in Rochester, NY, holding Series 63 and Series 66 licenses and with three years of industry experience. His prior work includes roles at ESL Investment Services, ESL FCU, and various positions outside the financial sector. Outside of advising, he has outside employment with Branca Midtown. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from multiple sources to support diversified investment strategies.

Michael Tornatore II is a financial advisor with Equitable Advisors in Rochester, NY, holding a Series 66 designation and seven years of industry experience. He has been with Equitable Advisors since 2018 and previously worked at Axa Advisors, LLC and Paychex Inc. Tornatore serves on the board of the Greece Regional Chamber of Commerce and is an active member of several local business organizations. Equitable Advisors provides financial planning, retirement plan support, and access to asset management for individual investors, plan sponsors, corporations, and charitable organizations. The firm uses a hybrid referral and implementation model, partnering with LPL and multiple third-party asset managers to deliver tailored advisory and brokerage services.

Maureen Pilato is a CFP® professional with 21 years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities. Her prior roles include positions at High Probability Advisors, LLC, Leigh Baldwin & CO., LLC, and High Falls Advisors. She serves on the board of the YWCA of Rochester and Monroe County, where she is Treasurer and a member of the investment committee. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering 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 and investment management capabilities, offering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Dale Nower is a CFP® with 22 years of experience, currently serving at Ameriprise since 2006 in Rochester, NY. He manages his Ameriprise business through Cadence Associates, LLC, and works as an instructor at Bryant & Stratton College. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Raymond Bauman is a financial advisor at Equitable Advisors with one year of industry experience. He holds a Series 66 designation and has previously worked with BlueZone Sports and Rochester Cornerstone Group. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations, providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates through multiple program sponsors and third-party managers, emphasizing a combination of discretionary and non-discretionary asset management solutions.

Evan Wilcox is a financial advisor at Ameriprise with two years of industry experience. He holds the Series 66 designation and has prior work experience across various industries, including hardscaping and retail. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized retirement income service that provides written recommendation reports and ongoing tax-aware withdrawal advice. The firm’s approach includes asset allocation, adaptive withdrawal strategies, and Social Security planning within a defined investment universe influenced by affiliated product relationships.

Brian Sauers is a financial advisor at Cetera with 11 years of industry experience. He holds a Series 66 designation and has worked at several firms including Avantax Advisory Services and Davie Kaplan Wealth Care Advisors. Outside of his advisory work, he serves as a volunteer board member for the Rochester Hearing and Speech Center, where he participates in finance and executive committees. Cetera is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and consulting services, supporting over 10,000 advisors and approximately 800,000 clients.

Abigail Alvord is a Planning Consultant at Fidelity Investments, where she collaborates with clients and their Financial Consultants to develop personalized financial plans tailored to individual situations and goals. She utilizes the comprehensive resources available through Fidelity to support clients in achieving their financial objectives. She has been with Fidelity Investments since 2023, progressing through roles including Financial Services Representative, Financial Representative, Relationship Manager, and currently Planning Consultant. This experience has provided her with a broad understanding of financial services and client relationship management. Outside of her professional role, Abigail enjoys cooking and baking, spending time with family, engaging in fitness activities, socializing with friends, visiting lakes, and traveling.

Alex Lincoln is a financial advisor at Equitable Advisors in Rochester, NY. He holds a Series 66 designation and began his advisory career in 2026. Prior to joining Equitable Advisors, his work experience includes roles at Park Maple City CDJR, Wegmans, Eastern Gateway Community College, and the United States Postal Service. Equitable Advisors serves a diverse client base including individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, relying extensively on LPL-sponsored programs and endorsed third-party managers.

John Rizzolo is Vice President and Financial Consultant at Fidelity Investments. In this role, he partners with clients to develop customized financial plans tailored to their individual goals and preferences. His approach emphasizes focusing on what and who matters most to clients, aiming to co-create meaningful financial outcomes. John's professional experience includes positions as Vice President and Financial Consultant at Fidelity Investments since 2019, and prior to that, he served as Regional Associate at Guggenheim Investments from 2015 to 2019. Through his work with a diverse client base, he has developed a deep understanding of clients' needs and provides guidance through various life stages. Outside of his professional responsibilities, John has personal interests in baseball, cooking and baking, football, social events with friends, and golf.

Serafino Iantorno is a financial advisor with LPL Financial in Rochester, NY, holding Series 63 and Series 66 designations and possessing 26 years of industry experience. His work history includes roles at ESL Investment Services, LLC and key Investment Services LLC. Outside of financial advising, he serves as a notary public and is involved in a family business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a broad range of advisory programs, financial planning services, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Bruce Sunderville is a financial advisor at Mass Mutual Investors Services with 33 years of industry experience. He holds the Series 63 designation and has worked at Mass Mutual Investors Services since 2017, following a 13-year tenure at Metlife Securities Inc. In addition to his advisory work, Sunderville operates as an independent insurance agent with Kafl Inc., focusing on fixed annuities and various insurance products. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, utilizing firm-approved software and collaborative planning processes.

Jeremy Krog is a financial advisor with Equitable Advisors, holding Series 65 and Series 66 licenses and bringing 24 years of industry experience. He has been with Equitable Advisors since 2001, including its predecessor Axa Advisors, Llc. Outside of his advisory role, he serves as power of attorney and executor for his spouse. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers, employing a hybrid referral and implementation model that combines advisory and brokerage channels.

Frederick Goduti is a CFP®-designated financial advisor with over 31 years of industry experience. He is currently with Wells Fargo Advisors in Rochester, NY, where he has worked since 2020, following prior roles within affiliated Wells Fargo entities. He is also the owner of True North Wealth Management, LLC, a separate financial practice. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutions by providing a broad range of investment and fee-based financial planning services using Wells Fargo’s research and tools. The firm offers specialized planning solutions and integrates advisory services with other financial product offerings.

Paul De Loria is a CFP®-credentialed financial advisor with 15 years of industry experience, currently affiliated with LPL Financial in Rochester, NY. His prior roles include positions at JPMorgan Chase and ESL Investment Services. Outside of finance, he is involved in family business activities, serving as Vice President of Jody B's Studio of Dance and owning Mama Llama Productions. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management approaches supported by in-house and third-party research.

David Quick is a CFP® professional with 28 years of industry experience. He is currently with OSAIC and has previously worked at Securities America and Cambridge Investment Research. Outside of advisory roles, he serves as a successor trustee for the Wood-N-Plank Trust. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, employing asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to manage portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Sandy-Ann Robs is a Financial Consultant at Fidelity Investments, a position she has held since 2025. Prior to this role, she served as a Planning Consultant at Fidelity Investments from 2021 to 2025 and worked as a Client Service Representative at Raymond James from 2018 to 2020. Her approach centers on understanding the unique needs and situations of her clients. She collaborates with clients to make the financial planning process straightforward and valuable, aiming to build relationships that endure across generations. Outside of her professional work, Sandy-Ann enjoys activities such as beach outings, boating, fishing, fitness, reading, and traveling.

Patrick Underwood is a financial advisor with Mass Mutual Investors Services in Rochester, NY, holding a Series 63 designation and 20 years of industry experience. He previously worked at Metlife Securities, Inc. from 2006 to 2017. Outside of his advisory role, he manages a small residential rental property. MassMutual Investors Services provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers various programs including wrap and money-manager services and conducts educational seminars.

Jacob Shea is a financial advisor at Equitable Advisors with four years of industry experience. He holds a Series 66 credential and has worked with Equitable Advisors since 2021. Prior to his advisory role, Shea held positions at Jcrew and Inspire Physical Therapy & Fitness, and has been involved in student government activities during his time at SUNY Brockport. Equitable Advisors serves a diverse client base including individuals, high-net-worth, retirement plans, corporate, charitable, and institutional clients, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm’s delivery model leverages LPL-sponsored programs and endorsed third-party managers, with a mix of discretionary and non-discretionary management under controlled policies.