Michelle Lavigne is a CFP® professional with 40 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors since 2012. She holds Series 63 and Series 65 licenses and is based in Rochester, NY. Beyond her advisory role, she acts as a co-trustee and power of attorney for her spouse’s investment-related matters and serves as a notary public in Denver, CO. Wells Fargo Advisors Financial Network is a large 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, including specialized areas such as business-owner transition and sports and entertainment planning, utilizing research and planning tools to develop tailored client recommendations.

Richard Cantwell III is a financial advisor at Equitable Advisors in Rochester, NY, holding Series 63 and Series 66 licenses with three years of industry experience. His prior work includes roles at Rochester Regional Health, Brockport University, Wegmans, and McDonald's. He is currently associated with both Equitable Advisors and Wegmans. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives, utilizing a combination of firm programs and third-party managers to deliver customized investment solutions.

Michael Kustigian is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 11 years of industry experience. He previously worked at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. for six years. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its recommendations.

Alan Cooper is a financial advisor with J.P. Morgan Securities in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. He has been with J.P. Morgan Chase Bank and J.P. Morgan Securities since 2010. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

Heather Barniak is a financial advisor with Equitable Advisors in Rochester, NY, holding the Series 66 designation and bringing 13 years of industry experience. She has worked with Equitable Advisors since 2012, including during its period as Axa Advisors, LLC. Equitable Advisors serves a diverse client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs delivered through Investment Adviser Representatives and third-party asset managers.

Koen Goorman is a financial advisor with Equitable Advisors in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, LLC, since 1999. He serves as a board member of the Finance Council at the Church of the Transfiguration in Pittsford, NY. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm utilizes a range of advisory programs and third-party asset managers, offering diversified investment options and ERISA fiduciary services.

James Wehrle is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 25 years of industry experience. He has worked with LPL Financial since 2018 and previously spent seven years at Invest Financial Corporation. Wehrle is also a partner at Flaherty Salmin CPAs, where he is involved in tax preparation and accounting, and participates in managing an indoor turf facility through Genrich Athletic Group, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, utilizing various portfolio management approaches supported by research and technology across a large network of investment adviser representatives.

Francis Wershing Jr. is a CFP® professional with 37 years of industry experience, currently affiliated with Cambridge Investment Research Advisors. He has been with the firm since 2011 and also maintains a long-term role at Greece Central School. Outside of advising, he serves on the board of the Hochstein School of Music and Dance and is an author. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts by providing financial planning, investment management, and retirement advisory services through a broad network of independent professionals. The firm supports multiple investment platforms and offers both proprietary and third-party strategies tailored to client objectives.

Michael Sellars is a financial advisor with Ameriprise Financial Services in Rochester, NY, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. His prior roles include positions at KeyBank, Key Investment Services, and JPMorgan Chase Bank. Sellars serves as President on the Board of Directors for ROC Cystic Fibrosis Awareness, Inc. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized retirement income service focused on dependable income sources and tax-aware withdrawal strategies for clients approaching or in retirement.

Daniel Willoth serves as Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2016. In this role, he guides clients through all life stages, working collaboratively to create plans aimed at achieving their financial goals. His Chartered Financial Analyst® designation provides him with a distinctive perspective on complex financial situations, goals, and the current market environment. With over 20 years of industry experience, Daniel's background includes roles as a Portfolio Analyst at PIMCO from 2013 to 2016, an Internal Wholesaler at AIG SunAmerica from 2007 to 2013, and a Financial Advisor at Oppenheimer & Co. from 2005 to 2007. He holds a California Insurance License.

Ryan Miller is a CFP® professional with 10 years of experience in the financial industry. He is currently affiliated with LPL Financial and has previously worked at firms including OSAIC, Cadaret, Grant & Co., Inc., and Manning & Napier. Miller is also involved with Lawley, LLC, an insurance agency. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by advanced operational and research tools.

Michael Ferron is a financial advisor with Cambridge Investment Research Advisors and holds a Series 63 designation. He has 23 years of industry experience and has been associated with Cambridge Investment Research Advisors since 2011. Ferron is also president of Michael P. Ferron, CPA, P.C., providing tax preparation, accounting, estate planning, and small business consulting services, and serves as vice president of Ferron Norris Financial Inc. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, trusts, and estates. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent financial professionals and employs multiple investment platforms and strategies tailored to client objectives.

Stephen Gaudino is a financial advisor with LPL Financial, holding a Series 63 designation and 12 years of industry experience. He has worked at LPL Financial since 2018 and previously at Invest Financial Corporation. He operates his own CPA practice and has been involved with The Gaudino Group, a business affiliated with his LPL activities. 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 financial planning and asset management services, combining advisory solutions with a broad suite of financial products and partnerships.

Charles Salina is a financial advisor with MassMutual Investors Services in Rochester, NY, holding a Series 66 designation and with one year of industry experience. Prior to his current role, he worked at Cognivue, Inc. and has experience in various positions including food service at Marty's Meats. Outside of advising, he is employed at Marty's Meats, where he prepares and serves food from their food trucks. MassMutual 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, and charitable organizations. The firm structures financial planning as annual, collaborative engagements using firm-approved analytical tools, focusing on investment categories and strategies without discretionary authority.

Joseph Johansen is a Planning Consultant at Fidelity Investments, a role he has held since 2025. In this position, he partners with clients and their Financial Consultants to develop comprehensive financial plans tailored to their current goals and aspirations, aiming to support their pursuit of future success. Prior to his current role, Joseph gained experience as a Relationship Manager and Financial Representative at Fidelity Investments from 2023 to 2025. Before joining Fidelity, he worked as a Private Client Banker at JPMorgan Chase from 2021 to 2023.

Diana Chowdhury is a financial advisor with Equitable Advisors in Rochester, NY. She holds a Series 66 designation and has one year of industry experience. Prior to joining Equitable Advisors, she held positions at The Source Fine Jewelers, Insperity, ADP, and Paychex. Equitable Advisors serves individual clients across various wealth levels, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm offers financial planning, retirement plan consulting, and asset-management programs, using a range of third-party managers and proprietary solutions.

William Johnson is a financial advisor with LPL Financial based in Rochester, NY. He holds a Series 66 designation and has two years of industry experience. Prior to joining LPL Financial, he worked at Lincoln Financial and OSAIC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and model portfolio programs, with advice delivered through a large network of investment adviser representatives.

John Nagle Caraluzzo is a financial advisor with MassMutual Investors Services, holding Series 63 and Series 65 credentials and 19 years of industry experience. His prior work includes roles at Prudential Insurance Company of America and Pruco Securities LLC. He is also the owner of VNC Enterprises, Inc., a construction and development business. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm offers collaborative, annual financial planning engagements using firm-approved software tools and serves a broad client base including high-net-worth clients.

Myra Miller is a financial advisor with LPL Enterprise who holds Series 63 and Series 66 licenses and has 18 years of industry experience. Her prior work includes positions at The Prudential Insurance Company of America, Pruco Securities, Equitable Advisors, AXA Advisors, and Primerica. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs primarily model-driven investment implementation and offers financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Timothy Cortina is a financial advisor at Primerica Advisors in Rochester, NY, holding a Series 63 designation with 10 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2015 and also works at Paychex since 2005. Outside of his advisory role, he is involved in sales of loan products and home-related services through affiliated companies of PFS Investments Inc. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure, focusing on personalized portfolio management rather than institutional plan management.