Kevin Henderson is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has been with OSAIC since 1997 and has a background that includes work with The Paul Revere Companies dating back to 1988. Outside of his advisory role, he is a partner in a real estate LLC that manages an office building housing his business operations. OSAIC serves a diverse client base, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services, financial planning, and access to multiple investment platforms and third-party managers. The firm employs a range of asset-allocation tools and supports both discretionary and non-discretionary portfolio management.

Robert Mike is a financial advisor at Morgan Stanley with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including customized financial planning. The firm employs structured planning tools and investment modeling techniques and manages approximately $2.74 trillion in client assets.

Marc Kreuser is a CFP® with 30 years of industry experience, currently serving as a financial advisor at Ameriprise in Newark, NY. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with substantial investable assets, providing detailed Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in a structured approach delivered by a centralized consulting team.

Elizabeth Carter is a financial advisor with OSAIC, holding a Series 66 credential and 13 years of industry experience. She has been with OSAIC since 2024 and previously worked at Securities America Advisors, Inc. for eight years. In addition to her advisory role, she serves as a senior supervision analyst at an OSAIC OSJ branch and maintains multiple New York State insurance licenses, primarily to review variable transactions. OSAIC Wealth, Inc. serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through a large network of affiliated advisers and multiple platforms. The firm offers integrated brokerage and advisory services, using a range of tools and third-party solutions to construct and manage diversified portfolios.

Danielle Intini is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at various J.P. Morgan entities since 2012. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm operates on a non-discretionary basis, combining large institutional advisory operations with multiple market-facing registrations.

Susan L Mc Bride is a financial advisor with UBS Financial Services in Rochester, NY, holding a Series 63 designation and 22 years of industry experience. She has been with UBS since 2011 and also worked briefly at Morgan Stanley. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings. The firm uses proprietary research and model-based strategies to tailor financial plans aligned with clients’ goals and risk tolerances.

Kiri Ramsey is a financial advisor at Wells Fargo Clearing with a Series 66 designation and three years of industry experience. She has worked at Wells Fargo Clearing since 2021 and previously was employed at EFPR Group, LLP. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services that include investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Drew Beckeman is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career with Merrill Lynch in the fall of 2019 and is a member of The Hines Group, which has served clients nationwide for over 30 years. Drew holds the CERTIFIED FINANCIAL PLANNER™ professional designation and the Personal Investment Advisor (PIA) designation. He earned a Bachelor's Degree from the University of Michigan. With a focus on financial planning and developing lasting relationships, Drew helps clients articulate their short- and long-term goals and recommends financial strategies aligned with their objectives. His areas of expertise include executive compensation, family wealth management strategies, personal retirement planning, sports and entertainment, tax minimization, and retirement income. Drew's commitment is to work one-on-one with clients to develop personalized financial strategies that support their and their families' long-term goals. Originally from West Michigan, Drew resides in Farmington, NY with his wife and two sons. He is an avid runner and outdoor enthusiast and participates in endurance sports. Drew is involved in his local community through organizations such as Rotary International, Rochester Area Triathletes, and The Spot.

Ryan Miller is a financial advisor with OSAIC, holding Series 63 and Series 66 credentials and bringing 23 years of industry experience. His prior firms include Cetera and Foresters, where he worked for a combined total of over 20 years. He is involved with the Fellowship of Christian Athletes as a board director and youth lacrosse coach. OSAIC serves a diverse range of clients, including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations, offering integrated brokerage and advisory services supported by multiple platforms and third-party resources.

Katlyn Gedeon is a financial advisor with UBS Financial Services in Rochester, NY, holding Series 63 and Series 66 credentials and 15 years of industry experience. She has been with UBS since 2013. Outside of her advisory work, she has held a position as a waitress at The Towne Restaurant in Buffalo, NY. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and a broad platform that includes custody and capital markets services.

Joseph Altobelli is a CFP® with 27 years of experience in the financial services industry. He is currently with OSAIC and previously worked for Securities America Advisors, Inc. and Securities America, Inc. from 2016 to 2024. In addition to his advisory role, he is involved in insurance sales, including life, disability, health, long-term care, supplemental insurance, and annuities. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers a range of services including financial planning, retirement plan consulting, managed portfolios, and access to third-party money managers, utilizing various asset-allocation tools and investment options.

Emily Mangus is a financial advisor with Osaic Wealth, Inc. holding a Series 66 designation. She has prior experience at Morgan Stanley, Cadence Wealth Management Solutions, Odyssey Financial Advisors, and Reliant Credit Union. Outside of finance, she has worked in craft cider and meadery operations. Osaic Wealth serves a broad mix of retail and institutional clients through a large network of affiliated advisors and offers integrated brokerage, investment advisory, and financial planning services. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary portfolio management across multiple investment product types.

Daniel Malloy is a financial advisor with Morgan Stanley in Pittsford, NY, holding a Series 66 designation and one year of industry experience. His prior roles include positions at RNY FC, Nextcorps, and Wegmans Food Markets, among others. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm employs structured planning tools and models to assist clients, managing approximately $2.74 trillion in client assets.

Zachary Kuhn is a financial advisor at LPL Enterprise with a Series 66 credential and no prior industry experience. His background includes roles in various sectors such as retail and education, including positions at Lowe’s, SUNY Oswego, and Tom Wahl’s. LPL Enterprise serves a broad client base including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, while also offering financial planning, access to third-party asset managers, and affiliated trust and insurance services.

John Reigelman is a financial advisor at Cetera with 43 years of industry experience. He holds the CFP® designation along with Series 63 and Series 65 licenses. He has been with Cetera Advisors LLC since 2013 and joined Cetera in 2024. Outside of his advisory role, he is involved with Pre-Paid Legal Services, offering an identity theft program to clients. Cetera Investment Advisers LLC serves a broad range of clients, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm provides access to various portfolio management and financial planning services through a large network of independent advisors and a diverse multi-manager platform.

Victoria Bach is a financial advisor with Osaic Wealth, Inc., holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She previously worked at Securities America Advisors, Inc. and Securities America Inc for eight years before joining Osaic. Outside of her advisory role, she is a co-owner and instructor at Flower City Danc, a local LLC in which she is involved in teaching and administrative duties, and serves as a FINRA industry arbitrator and disciplinary panelist. Osaic Wealth, Inc. serves a broad client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, financial planning, managed portfolios, and access to third-party money managers, utilizing various portfolio construction tools and maintaining multiple advisory platforms.

Ryan Facinelli is a financial advisor at LPL Financial with three years of industry experience. He holds the Series 66 designation and has previously worked at Wells Fargo Advisors and Seager Marine. Outside of his advisory role, he has a minority ownership interest in investment-related LLCs that manage rental properties. 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, including model portfolios and third-party asset management, supported by a large network of advisors and extensive operational resources.

Zachary Daigle is a financial advisor at LPL Enterprise with one year of industry experience and holds the Series 66 designation. His prior experience includes roles at Pruco Securities LLC and Hartwell Financial Strategies. Outside of his advisory work, he has been involved with 5 Points Wine and Liquor and works part-time as a DoorDash driver. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors, retirement plans, and institutions. The firm primarily uses model-driven investment implementation and offers access to third-party asset managers, financial planning, and affiliated trust and insurance services.

Darryl Klimowski is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 credentials and 29 years of industry experience. He has worked at Cambridge Investment Research Advisors since 2019 and previously at J.P. Morgan Securities. Klimowski is also the owner of Lawrence Reuel Press. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, trusts, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory through a network of independent professionals using a range of portfolio management and model-based solutions.

Steven Whittemore is a Series 66-licensed financial advisor at OSAIC with three years of industry experience. Prior to joining OSAIC, he worked at Securities America Advisors and Securities America, Inc., and has also held roles in education at Fairport Central School District and Arkport Central School District. OSAIC serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, employing asset-allocation tools and risk-tolerance analysis to construct portfolios across a broad range of investment types.