Mark Vitale is a financial advisor with Ameriprise in Rochester, NY, holding a Series 66 designation and 25 years of industry experience. He has been with Ameriprise and its affiliate since 2001. Ameriprise provides a retirement-income planning service focused on clients approaching or in retirement who meet specific asset criteria, delivering written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to support personalized retirement income planning within a large institutional framework.

David Schmidl is a financial advisor with Mass Mutual Investors Services in Rochester, NY, holding a Series 63 license and 20 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and was previously with MSI Financial Services, Inc. from 2005 to 2017. Outside of his advisory role, he has been involved in sales for individual life products, including long-term care insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, software-supported financial planning, including new event-driven services such as divorce planning and estate settlement.

Paul Ognenovski is a financial advisor with LPL Financial, holding a Series 63 designation and seven years of industry experience. His prior roles include positions at MassMutual Life Insurance Co., Mass Mutual Investors Services, Vision Financial Group, and MML Investors Services LLC. He is also involved in property and casualty and non-variable insurance activities in Rochester, NY. 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, third-party asset management, and institutional platforms.

Faith Schumacher is a financial advisor at J.P. Morgan Securities with two years of industry experience. She holds a Series 66 designation and previously worked at Broadstone Net Lease and Empire Valuation Consultants. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Nicholas Sarto is a financial advisor with Raymond James & Associates in Rochester, NY, holding a Series 66 designation and eight years of industry experience. He has been with Raymond James & Associates since 2015. Raymond James & Associates, Inc. is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, including high-net-worth clients, institutional and pension plans, charitable organizations, and municipal entities, providing financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Lorie Helmbold is a financial advisor at Merrill with 25 years of industry experience. She holds a Series 66 designation and has been with Merrill Lynch since 1997. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

William Abbott is a financial advisor with LPL Financial, holding a Series 63 designation and 29 years of industry experience. His prior roles include positions at Post Resch Tallon Group, Inc. and Cadaret, Grant & Co., Inc. He also operates Abbott Financial and works outside the industry as a salesperson in the golf department at Dick's Sporting Goods. 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 supported by technology tools, with oversight of over $819 billion in discretionary assets and a network of more than 22,800 advisors.

Philip DiPasquale is a financial advisor with UBS Financial Services in Rochester, NY, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. He has been with UBS since 2011. DiPasquale serves as a trustee for the B. Thomas Golisano Foundation and is involved with the Nativity Preparatory Academy of Rochester as a member of its Finance Committee. He is also the proprietor of DiPasquale Brothers Beverages LLC, a venture collaborating with local craft brewers to produce small-batch beverages and support at-risk children through sales. UBS Financial Services serves individual, corporate, and institutional clients offering brokerage and advisory services, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management and delivers tailored investment solutions based on proprietary research and model-based asset allocations.

Kyle McDermott is a CFP® professional with 14 years of industry experience. He is currently with Cambridge Investment Research Advisors, where he has worked since 2019. His previous experience includes roles at Mass Mutual Investors Services and Axa Advisors. Outside of advisory work, he is also involved as an insurance agent specializing in fixed insurance and Medicare sales. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services via independent financial professionals, utilizing a range of portfolio management strategies and platform arrangements tailored to client objectives.

Ryan Kozarits is a financial advisor with LPL Financial, holding a Series 66 designation and three years of industry experience. He has worked at LPL Financial since 2020 and has prior experience in lawn and landscape businesses and part-time roles during his education at the University at Buffalo. 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 various advisory and brokerage services, including financial planning and model portfolio programs, supported by a broad network of investment adviser representatives.

Ernesto Barcelo is a financial advisor with Mass Mutual Investors Services in Rochester, NY, holding Series 63 and Series 66 designations and possessing 32 years of industry experience. His prior roles include positions at Key Investment Services LLC and MassMutual Life Insurance Co. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm offers collaborative, annual planning relationships using firm-approved analytical tools and also conducts educational seminars.

Brian Katz is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been with Merrill since 1993 and concurrently with Bank of America since 2009. 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. The firm offers model-based and discretionary strategies developed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Emma Bouchard is a financial advisor at Wells Fargo Advisors with Series 66 credentials and one year of industry experience. Prior to joining Wells Fargo Advisors, she worked at isolved and Paychex, and she has a background in higher education from John Carroll University. Outside of her advisory role, she works part-time as a cashier at Red Bird Market, a grocery store in Fairport, NY. Wells Fargo Advisors Financial Network is a broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and integrates advisory services with banking and other financial products through a large network of advisors.

Aaron Brown is a financial advisor with Cetera in Pittsford, NY, holding a Series 63 designation and bringing 10 years of industry experience. He has worked previously with ESL Investment Services, LPL Financial, and ESL Federal Credit Union. In addition to his advisory role, he serves as a relationship manager at Canandaigua National Bank & Trust, focusing on planning and client relationship development. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutions through a nationwide network of independent advisors. The firm offers diverse investment solutions including discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers across multiple program structures and custodial platforms.

Mark Adam is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 34 years of industry experience. He previously worked at Cadaret, Grant & Co., Inc. and HSBC Securities (USA) Inc., among other firms, and has operated Adam Financial Planning since 2007. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves 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 large network of investment adviser representatives.

Daniel Schmitz Jr. is a CFP® with 30 years of industry experience, currently serving as a financial advisor at Raymond James Financial. He was previously with Commonwealth Financial Network for 20 years. Outside of his advisory role, he is a co-owner of OakWood Financial Services, LLC. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, institutional, and corporate clients. The firm uses tailored, non-discretionary planning and analytical tools to support client goals and offers specialized advisory programs, including municipal and public-finance services.

Nathan Elvers is a ChFC®-designated financial advisor with 17 years of industry experience. He is currently with OSAIC and previously worked at Securities America Advisors and Northwestern Mutual. Outside of his advisory role, he owns and manages a tax preparation and planning business. OSAIC serves a diverse client base, including individual and institutional investors, offering integrated brokerage, advisory, and financial planning services through a large network of affiliated advisors. The firm employs a range of asset-allocation tools and third-party platforms to deliver customized portfolio management.

William Bailey is a financial advisor at Cetera with 29 years of industry experience. He holds the PFS™ designation along with Series 63 and Series 66 licenses. His career includes roles at Avantax Investment Services, 1ST Global Advisors, and Bonn, Dioguardi & Ray, LLP. He is also president of Bailey Wealth Management, Inc. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a multi-manager platform with a range of portfolio management, financial planning, and consulting services.

John Brandt is a financial advisor with Ameriprise in Rochester, NY, holding a Series 66 designation and 26 years of industry experience. He has been with Ameriprise and its predecessor firm since 2000. Outside of advising, he is involved with CNMK Operational Support LLC, providing financial advice and planning services. Ameriprise Financial Services is a large diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement-income planning through a structured recommendation report and ongoing advice.

Christopher Lamphere is a financial advisor with Morgan Stanley in Pittsford, NY, holding a Series 66 designation and having 10 years of industry experience. He has worked with Morgan Stanley and its affiliates since 2016, including roles at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs for individual and institutional clients. The firm emphasizes structured financial planning using firm-approved tools and serves clients both directly and through corporate financial planning agreements.