Cobie Beach is a CFP® with four years of industry experience, currently serving as a financial advisor at Charles Schwab in Pittsford, NY. Prior to joining Charles Schwab, Beach held various roles including positions in sports entertainment and management. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options supported by multi-asset model portfolios and a centralized operational structure.

Michael Cregan is a financial advisor at Morgan Stanley with 30 years of industry experience. He has been with Morgan Stanley since 2013 and has worked at Morgan Stanley Private Bank, National Association since 2015. He holds Series 63 and Series 65 licenses. 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, including tailored financial planning supported by advanced modeling tools and a structured discovery process.

Adam Graves is a financial advisor with Wells Fargo Clearing in Pittsford, NY, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. His prior roles include positions at LPL Financial, Finmason, 55IP, and MBSC Securities Corporation. Outside of advising, he manages rental properties in Boston, MA, and Penn Yan, NY. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, delivering both non-discretionary and discretionary solutions. The firm’s approach is IPS-driven and grounded in modern portfolio theory, offering a broad range of investment options including insurance-related vehicles and bank deposit sweep programs.

Timothy Warnett is a financial advisor at LPL Financial with 32 years of industry experience. He holds a Series 63 designation and has worked at Rw Lloyd Financial and Cadaret, Grant & Co., Inc. Prior to joining LPL Financial in 2025, he spent nearly two decades at these firms. 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 access to model portfolios and third-party asset managers.

William Kablack Jr. is a financial advisor with Stifel who holds a Series 66 designation and has 14 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2016, totaling 10 years at the firm. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm uses a proprietary investment methodology to support its analysis and allocation guidance, and provides a range of financial planning and advisory services.

Mallory Lauffer is a financial advisor with Ameriprise in Caledonia, NY, holding Series 63 and Series 66 licenses and having 13 years of industry experience. She has been with Ameriprise and its affiliated entity since 2012. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with a centralized consulting team to deliver tailored, algorithm-assisted retirement planning recommendations.

Brett Holley is a financial advisor with Charles Schwab who holds a Series 66 credential and has 18 years of industry experience. His prior work includes positions at TD Ameritrade, Scottrade, and Charles Schwab Bank. Outside of his advisory role, he owns a business involved in real estate and short-term rentals. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering integrated wrap fee advisory, brokerage, and custody services through both non-discretionary and discretionary investment programs.

John Halleran, Jr. is a financial advisor with LPL Financial in Fairport, NY, holding a Series 63 designation and 35 years of industry experience. He has been with LPL Financial since 2007, including its predecessor LINSCO/PRIVATE LEDGER CORP., and briefly worked at UBS Financial Services in 2007. 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 asset management services, utilizing model portfolios, third-party subadvisors, and advanced advisor tools across a large network of advisors.

Patricia Collins is a financial advisor with LPL Financial who holds a Series 63 designation and has 41 years of industry experience. She has been with LPL Financial since 2004. Collins is involved in a business entity, Collins & Laese LLC, which serves tax and investment purposes but is not investment-related. 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, including financial planning and access to model portfolios and third-party asset management.

Anthony Ortiz is a financial advisor with Wells Fargo Advisors in Rochester, NY, holding Series 63 and Series 65 licenses and 23 years of industry experience. He has been with Wells Fargo Advisors Financial Network since 2016. Outside of his advisory role, Ortiz has ownership interests in The Captiva Group, LLC, and The JP Anthony Group Inc., both investment-related entities. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and investment options, integrating advisory services with other financial product offerings and referral channels.

Jenelle Baker is a Series 66 licensed financial advisor with two years of industry experience, currently affiliated with OSAIC in Rochester, NY. She previously worked at KeyBank for four years and held roles at NYLIFE Securities LLC and New York Life Insurance Co. from 2016 to 2018. 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 advisory platforms. The firm offers integrated brokerage and investment advisory services, financial planning, and access to third-party money managers, employing asset-allocation tools, risk assessment, and automated rebalancing in portfolio construction.

Jason Mangione is a financial advisor at J.P. Morgan Securities with 24 years of industry experience. He holds the Series 63 and Series 65 credentials and has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2011. 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 and investment management capabilities, delivering recommendations through Wealth Advisors while clients retain final decision-making authority.

Henry Smith is a financial advisor at Cambridge Investment Research Advisors with one year of industry experience. He holds the Series 66 designation and previously worked at Equitable Advisors, LLC. Cambridge Investment Research Advisors is a large SEC-registered firm that 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 services through independent Financial Professionals who use a variety of portfolio management strategies and platform options tailored to client objectives.

Eric Britt is a Series 66 licensed financial advisor with 18 years of industry experience. He has been with Wells Fargo Advisors since 2019 and previously worked at Bank of America and Merrill Lynch. Outside of his advisory role, he coaches boys basketball at the Aquinas Institute in Rochester, NY. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutions with a broad range of financial planning and investment services, utilizing proprietary research and planning tools to deliver tailored recommendations.

Marina Graham is a financial advisor at Equitable Advisors with two years of industry experience. She holds a Series 66 designation and has worked at Equitable Advisors since 2018, including a prior role at Kevin Shiltz, Mapstone Veritas Financial Group. Equitable Advisors serves a broad 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, utilizing both proprietary and third-party advisory models delivered through a network of investment adviser representatives.

Nannette Nocon is a CFP® and ChFC® credentialed financial advisor with 42 years of industry experience, currently with Ameriprise in Rochester, NY. She has been with Ameriprise and its predecessor firm since 2005. Outside of advising, she publishes a nonprofit children’s book series called Yum & Yuk, which provides a copy to an underprivileged child for each book sold, and serves as chair of the George Eastman Museum board. Ameriprise Financial Services is a diversified advisory firm serving both individual and institutional clients, known for its Ameriprise Premier Retirement Income service that offers written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Brian Gaffney is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2012. He holds the Series 66 designation. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager and fund searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

John Mulvey is a financial advisor at J.P. Morgan Securities in Rochester, NY, holding Series 63 and Series 66 licenses with eight years of industry experience. His prior work history includes roles at Longhorn Steakhouse, Joe's Crabshack, and St. John Fisher College. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Anmarie Rizzo is a Series 66 licensed financial advisor with Morgan Stanley, based in Rochester, NY, and has 25 years of industry experience. She has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and previously with Citigroup Global Markets starting in 2005. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and modeling techniques.

Anthony Pagano is a financial advisor with Mass Mutual Investors Services in Rochester, NY, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 38 years of industry experience, including 21 years at AllState Financial Services LLC before joining Mass Mutual in 2021. Outside of his advisory role, he is also an insurance agent with Elmwood Agency, focusing on life, disability, and long-term care products. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm provides financial planning and asset management services, utilizing firm-approved tools to deliver written recommendations without investment discretion.