Emily Freund is a Financial Consultant at Fidelity Investments, where she has worked since 2019 in various roles including Financial Consultant, Financial Consultant I, Planning Consultant, and Relationship Manager. Prior to joining Fidelity Investments, she was a Client Services Associate at Manning & Napier from 2016 to 2019. In her current role, Emily partners with clients to develop personalized long-term financial plans that align with their goals and needs. She leverages her experience along with Fidelity's resources to create tailored financial strategies. Outside of her professional work, Emily enjoys cooking and baking, exploring culinary interests, hiking, outdoor adventures, skiing, and spending time with her family.

Gregory Rahmlow is a financial advisor with Wells Fargo Clearing, holding the CFP® and ChFC® designations, as well as Series 65 and Series 66 licenses. He has 18 years of industry experience, including over a decade at Wells Fargo Clearing and prior work at Wells Fargo Advisors LLC. He is based in Pittsford, NY. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment management. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment menus.

Tracy Baker is a financial advisor with LPL Financial in Penfield, NY, holding Series 63 and Series 65 licenses and 13 years of industry experience. Their prior work includes roles at Cadaret Grant & Co., Inc., ESL Investment Services, and KM Investment Services. Outside of advising, Baker co-hosts a radio show and coaches youth volleyball locally. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, utilizing both proprietary and third-party strategies across discretionary and non-discretionary accounts.

John Sartini is a CFP®-certified financial advisor with Morgan Stanley, based in Pittsford, NY, and has 30 years of industry experience. He has been with Morgan Stanley and its affiliates since 2008, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by proprietary tools and research.

Paul Wyand is a CFP®-credentialed financial advisor with Ameriprise in Penfield, NY, bringing 35 years of industry experience. He has worked with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he serves on the Board of Directors for Oakwood Cemetery and owns a consulting business providing training and consulting services to wealth advisory firms. Ameriprise offers retirement-income planning services primarily for clients nearing or in retirement with significant investable assets, delivering tailored written recommendation reports that integrate research, modeling, and tax-efficiency analysis. As a large institutional firm, Ameriprise provides a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Tomas Aponte is a financial advisor at Cetera with 20 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Cetera since 2019, following prior roles at Foresters Financial and Foresters Advisory Services. Cetera Investment Advisers LLC is a nationwide firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, supporting both discretionary and non-discretionary accounts.

Jennifer Hartmann is a financial advisor with Morgan Stanley in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She has been with Morgan Stanley since 2013 and has served at Morgan Stanley Private Bank, National Association, since 2015. Outside of her advisory role, she is Chair of the Investment Committee for the Stephen Gaynor School in New York. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs for individuals and institutional clients. The firm provides tailored financial planning, utilizing structured discovery processes and approved planning tools, while managing approximately $2.74 trillion in client assets.

Patrick Ryan is a financial advisor at OSAIC with 15 years of industry experience. He holds the CFP® designation and has worked at firms including UBS Financial Services and FSC Securities Corporation. Ryan is a committee member at Heritage Christian Services, where he assists with fundraising and charity event organization. OSAIC serves a broad range of clients, including individuals, institutions, and charitable organizations, providing integrated brokerage, investment advisory, and retirement planning services through a large network of affiliated advisers and multiple advisory platforms.

Eddaliz Colon Santiago is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, she worked at Alesco Advisors LLC, Merrill Lynch, and Bank of America. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to a diverse client base including retail and institutional investors. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, with a noted use of AI and systematic methodologies.

Gary Fitch is a Senior Financial Advisor at Merrill Lynch Wealth Management. He leads a team that has over 40 years of experience assisting affluent individuals and families through a client-focused, goals-based wealth management process. He aims to help clients achieve their objectives with simplicity, transparency, and a disciplined method to measure progress, tailoring guidance to support current lifestyles, retirement income needs, and legacy goals. Gary joined Merrill Lynch in 2004 and holds several professional designations, including Chartered Retirement Planning Counselor™ from the College for Financial Planning, Certified Plan Fiduciary Advisor from the National Association of Plan Advisors, Personal Investment Advisor, and Retirement Benefits Consultant. He is a 1996 graduate of St. John Fisher College with a Bachelor of Arts in Economics and was inducted into St. John Fisher's Athletic Hall of Fame in 2004. Additionally, he completed a certificate program at the Johnson Graduate School of Management at Cornell University. He has served on the Board of Directors for Step-by-Step of Rochester and was the Director of Community Engagement for Rochester Young Professionals. Gary resides in Pittsford, New York with his wife Melissa and their children, Gary and Isla. Outside of work, he enjoys boating, fishing, football, golfing, running, skiing, and spending time with his family.

David Long is a financial advisor with Raymond James & Associates, holding a Series 66 designation and three years of industry experience. Prior to joining Raymond James in 2023, he spent 14 years at JPMorgan Chase. 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 a diverse client base, including individuals, institutional clients, and municipal entities, offering financial planning and non-discretionary investment consulting supported by extensive research and multiple portfolio management styles.

Omer Yildiz is a CFA® credentialed financial advisor with one year of industry experience. He is currently with LPL Financial and has prior experience at Cooper/Haims Advisors, LLC as well as Conserve. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, utilizing a combination of discretionary and non-discretionary strategies supported by proprietary research tools.

Timothy Mastellar is a financial advisor at Cetera with Series 63 and Series 66 credentials and five years of industry experience. His prior roles include positions at Horizon Solutions, ITT Inc, and Foresters Financial Services. He has also worked in educational and non-financial business settings such as Monroe Community College and Knapp Winery. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, and institutional clients through a nationwide network of advisors. The firm offers a range of portfolio management, financial planning, and retirement services, operating a multi-manager platform with discretionary and non-discretionary program options.

Adam Follmer is a financial advisor with MassMutual Investors Services in Rochester, NY, holding Series 63 and Series 65 licenses and eight years of industry experience. His prior work includes roles at Hornor Townsend & Kent Inc and Penn Mutual Life Insurance Co. In addition to his advisory work, he serves as Vice President and Agent at Tessera Wealth Management, focusing on insurance sales and service across multiple carriers. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm delivers ongoing financial planning, asset management, and educational programs, using comprehensive analysis tools to develop written recommendations for clients.

Aaron Wolk is a financial advisor at Raymond James & Associates with five years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at firms including Legg Mason Investor Services, Franklin Templeton Financial Services, Benefit Street Partners, Broadstone Real Estate, and Manning & Napier Advisors. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional advisory services.

Michael Amico is a financial advisor with UBS Financial Services in Rochester, NY, holding Series 63 and Series 65 licenses and possessing 42 years of industry experience. He has been with UBS Financial Services since 2011. Outside of his advisory work, he has served as an adjunct professor, teaching a college course titled "Introduction to Divestments." UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor client strategies.

Christopher Mueller is a Series 66–licensed advisor at Merrill with 20 years of industry experience. He has been with Merrill since 2005 and also works with Bank of America, N.A. since 2009. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Clayton Millard is a Wealth Management Advisor at Merrill Lynch Wealth Management with over 20 years of experience in financial and wealth management services. He has been leading an advisory team in Merrill's Rochester, NY office since 1997, focusing on supporting affluent individuals, physicians, and executives through a personalized goals-based wealth management process. His team specializes in financial management, estate coordination, retirement income planning, family wealth management strategies, and legacy planning. Clayton holds a Bachelor's degree from Allegheny College and a Master's degree from Indiana University in Bloomington. He has earned the Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA) designations. He has been named to the Forbes "Best-in-State Wealth Management Teams" list for 2024-2026 and the Forbes "Best-in-State Wealth Advisors" list for 2023-2026. In addition to his professional work, Clayton is active in supporting philanthropic organizations including The Nature Conservancy, where he serves as a trustee for the Central and Western New York chapter. He lives in Brighton with his wife Kimberly, their two daughters, and their Border Terrier. His personal interests include cycling, gardening, skiing, mountain biking, antiquing, collecting antiques and art, and participating in a local wine appreciation group.

William Seybold is a CFP® professional with 30 years of industry experience. He is currently with Cambridge Investment Research Advisors and has held prior roles at SSN Advisory Inc and Securities Service Network. Seybold also operates as an independent insurance agent. Cambridge Investment Research Advisors serves a broad range of clients including individuals, pension plans, and charitable organizations, providing financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm offers multiple investment platforms with discretionary and non-discretionary options, incorporating proprietary and third-party strategies.

Adam Brady is a financial advisor at Morgan Stanley with seven years of industry experience. He previously worked at Manning & Napier Advisors for four years before joining Morgan Stanley in 2018. Brady serves as a board member and treasurer for the Friends & Foundation of the Rochester Public Library, where he is involved in fundraising and investment decisions. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured planning tools and modeling techniques to assist clients in developing tailored financial plans.