Terianne Payton is a financial advisor with OSAIC, holding Series 66 and Series 63 licenses and four years of industry experience. She has worked at several firms, including Northwestern Mutual and SagePoint Financial, and previously spent nine years at Red Jacket High School. Outside of finance, she owns an ecommerce business that designs and sells printed apparel and accessories and also coaches CrossFit classes. OSAIC serves a broad range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm’s investment process uses model-based asset allocation and portfolio optimization tools, supporting discretionary and advisor-managed strategies with access to third-party managers and alternative investments.

Amy Strutt is a financial advisor with Morgan Stanley in Rochester, NY, holding a Series 63 designation and 26 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

David Kotalik is a financial advisor at Morgan Stanley in Rochester, NY, with 32 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets.

Thomas L Huber is a financial advisor at Stifel with Series 63 and Series 65 credentials and 40 years of industry experience. He previously worked at UBS Financial Services for nine years before joining Stifel in 2018. Outside of his financial career, Huber serves as secretary for The Beamer Hughes Foundation, which raises funds to assist Rochesterians affected by Muscular Dystrophy. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies.

Scott Ricci is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has worked at LPL Financial since 2018 and previously at Cetera Advisors LLC, alongside running his own tax preparation and accounting firm, GSR & Associates, Inc., since 1997. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

David Dimitro is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize firm-approved tools and models, managing approximately $2.74 trillion in client assets.

Emily Titus is a financial advisor with UBS Financial Services in Rochester, NY, holding a Series 66 designation and three years of industry experience. Prior to joining UBS, she worked in various roles including at First Watch Daytime Cafe and John Carroll University. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor plans to clients' goals. The firm provides a broad range of services including fee-based financial planning, portfolio management, and capital markets capabilities.

Brian Sisson is a financial advisor at Edward Jones in Ontario, NY, holding a Series 66 designation. He has prior work experience at Genesee Regional Bank and Paychex Insurance Agency. Brian began his career with Edward Jones in 2025. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm manages over $1 trillion in assets and offers a range of advisory programs and investment strategies supported by a large national network of financial advisors and branch offices.

Andrew Kuter is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 13 years of industry experience. He previously worked at FSC Securities Corp, Mutual of Omaha Investor Services, Inc., and operated as an independent insurance contractor. Outside of his advisory role, Kuter is involved in several investment-related business activities including tax preparation and accounting services, serving as vice president and secretary of Taxwise Plus, Inc., and owner of Pittsford Tax Partners. 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 portfolio programs, and institutional platforms, supported by a broad network of investment adviser representatives.

Nathaniel Skinner is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he partners with clients to understand their unique goals and develop customized financial strategies aimed at pursuing long-term success. His approach emphasizes trust, personalized guidance, and ongoing support through every stage of life. Nathaniel's expertise includes general investing, retirement planning, managing new wealth, education planning, socially responsible and values-based investing, and retirement income strategies. He holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Nathaniel earned a High School Diploma from the High School of Health Professions. Outside of his professional work, Nathaniel has interests in baseball, basketball, football, gardening, ice hockey, music, pickleball, reading, spending time with his family, and watching movies.

David Marshall is a CFP® professional with 27 years of experience, currently serving as a financial advisor at UBS Financial Services since 2009. He is based in Rochester, NY, and holds Series 63 and Series 65 licenses. Outside of his advisory role, Marshall is actively involved in his community, serving as Treasurer on the Board of Directors for the Montessori School of Rochester and holding positions on the Village of Pittsford Board of Trustees, including deputy mayor and alternative member of the Planning and Zoning Board of Appeals. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm’s advisory approach utilizes proprietary capital market assumptions and research to tailor plans aligned with clients’ goals and risk tolerances.

Jeffrey Rocca is a financial advisor with UBS Financial Services in Rochester, NY, holding a Series 66 designation and 21 years of industry experience. He has been with UBS since 2011. Outside of his advisory role, he serves as a trustee for non-familial and irrevocable trusts, overseeing disbursements and tax filings. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and utilizing proprietary research and model-based asset allocations to tailor client plans.

Stephen Calabrese is a financial advisor with LPL Financial, holding a Series 66 designation and five years of industry experience. He previously worked at Wells Fargo Advisors for five years and JPMorgan Chase for 17 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies.

Jeffrey Machiele is a financial advisor with Morgan Stanley in Rochester, NY, holding Series 63 and Series 66 licenses and possessing 36 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2015. In addition to his advisory role, Machiele serves as a board member of the Rochester Christian School Foundation, a charitable nonprofit organization. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs and financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and scenario modeling to support its financial planning process.

Timothy Acker is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been helping clients since 2015. He specializes in family wealth management strategies, managing new wealth, and personal retirement planning. Timothy focuses on offering a comprehensive approach to managing wealth that begins with understanding the client's financial situation, family, and priorities, followed by creating a customized and flexible wealth management plan suitable to evolving needs and market conditions. He provides clients with access to the investment insights of Merrill and the banking services of Bank of America. Timothy holds a bachelor's degree from Pennsylvania State University and is a CERTIFIED FINANCIAL PLANNER® professional. His professional designations also include Personal Investment Advisor (PIA). Outside of his advisory role, Timothy is involved with professional organizations such as Al Sigl and the Rochester Area Community Foundation. In his free time, he enjoys golfing, hockey, billiards, reading, football, and spending time with his family.

Timothy Brown is a financial advisor at OSAIC with four years of industry experience. He holds a Series 66 designation and has worked at several firms, including Securities America, Park Avenue Securities, and Guardian Life Insurance Company. Outside of advising, he has participated in a partnership role as a Wealth Management Assistant, supporting client servicing and advisor tools. OSAIC serves a wide range of clients, including individual investors, retirement plans, charities, and corporations, providing brokerage and advisory services through a multi-advisor platform. The firm utilizes model-based asset allocation and portfolio optimization supported by various tools and offers both discretionary and third-party manager strategies.

Stephen Riley is a financial advisor with LPL Financial in Fairport, NY, holding Series 63 and Series 65 licenses and having 49 years of industry experience. He has been with LPL Financial, including its predecessor Linsco/Private Ledger Corp, since 2004. Outside of his advisory role, he sells fixed life insurance products and is a commissioned notary. 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 portfolio programs, and institutional platforms.

Wendy Sydeski is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously spent five years at RBC Capital Markets. 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 manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research and analytics from Wells Fargo Investment Institute and third-party databases.

Lisa Fisher is a financial advisor with Wells Fargo Clearing in Pittsford, NY, holding a Series 63 designation and 39 years of industry experience. She has worked with Wells Fargo Clearing since 2016. Outside of her advisory role, she is involved as a costume coordinator for the Honeoye Falls Lima High School drama club and operates a sewing business creating phone pouches for female runners. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Kelly Whalen is a financial advisor at LPL Financial with 15 years of industry experience. She holds a Series 63 designation and has been with LPL Financial since 2011. Outside of her advisory work, she serves as a Notary Public. 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 financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and customized strategies across various asset classes.