Ryan Miller is a CFP® professional based in Rochester, NY, with 10 years of industry experience. He currently works with LPL Financial and has previously held roles at OSAIC, Cadaret, Grant & Co., and Manning & Napier. Miller is also involved with Lawley, LLC, an insurance agency. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management strategies supported by proprietary research and third-party resources.

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 in Rochester, NY, holding a Series 63 designation and 12 years of industry experience. He has been with LPL Financial since 2018 and previously worked at Invest Financial Corporation. He operates The Gaudino Group and maintains a CPA practice, Stephen Gaudino CPA, CFP, which he has held since 2007. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a wide range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research resources.

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 Series 66-registered financial advisor with Equitable Advisors in Rochester, NY, and has one year of industry experience. Her prior work includes roles at The Source Fine Jewelers, Insperity, ADP, and Paychex. Equitable Advisors serves a broad range of clients, including individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm utilizes LPL-sponsored programs and endorsed TAMPs, providing both advisory and brokerage solutions with a mix of discretionary and non-discretionary asset management.

William Johnson is a financial advisor with LPL Financial in Rochester, NY, holding a Series 66 designation and two years of industry experience. Prior to joining LPL Financial in 2025, he worked at Lincoln Financial and OSAIC. He has also held positions outside of finance, including roles at the Sands Constellation Heart Institute and the Webster Parks and Recreation Department. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

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.

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.

Robert Walls is a financial advisor at Mass Mutual Investors Services with 22 years of industry experience. He holds the Series 63 designation and has worked with Mass Mutual Investors Services since 2017. Prior to that, he was associated with MetLife Securities Inc. and Metropolitan Life Insurance Company starting in 2003. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, utilizing firm-approved software and collaborative annual planning relationships.

Richard Harter is a financial advisor with Osaic Wealth, Inc., holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He previously worked at Securities America Advisors, Inc. and Securities America, Inc. for eight years. Harter is a partner in a joint marketing website focused on financial planning and insurance sales and serves as treasurer for the Brighton Campus Park Condominium Association. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm offers integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers, utilizing sophisticated asset-allocation tools and multiple investment platforms.

Carmen Caruso II is a CFP® certificant affiliated with OSAIC in Rochester, NY, with five years of industry experience. His prior roles include positions at Del-Sette Capital Management, Taconic Advisors, and other firms. OSAIC serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services supported by various asset-allocation tools and third-party managed account solutions. The firm is notable for its complex corporate structure resulting from multiple mergers and its use of a wide range of commercial arrangements.

Philip Hofmeister is the Vice President, Wealth Planner at Fidelity Investments, a position he has held since 2022. In this role, he collaborates with clients to develop wealth strategies aimed at achieving their financial goals. Prior to this, he served as a Financial Consultant at Fidelity Investments from 2021 to 2022. Philip has extensive experience in the financial services industry, having worked in various capacities including Branch Manager at Charles Schwab from 2015 to 2021, Senior Account Executive at Fidelity Investments between 2012 and 2015, Account Executive from 2007 to 2012, and in Premium Services at Fidelity Investments from 1998 to 2007. Outside of his professional work, Philip engages in activities such as badminton, hiking, running, reading, volunteering, and spending time with his family.

Jeff Wolk is a financial advisor with Raymond James & Associates in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Raymond James & Associates since 2012. Wolk is a personal investor in Broadstone Net Lease, Inc., a private real estate investment trust with over 600 shareholders. 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 public entities, offering financial planning, investment consulting, and institutional fiduciary services with a range of portfolio management options.

Todd Sloth is a financial advisor at OSAIC with 29 years of industry experience. He holds a Series 63 designation and previously worked at Lincoln National Life Insurance Co for 27 years. Outside of his advisory role, he owns and operates a driveway coating business. OSAIC serves a diverse range of retail and institutional clients, offering integrated brokerage and investment advisory services through a large network of affiliated advisors. The firm employs various asset-allocation tools and supports multiple advisory platforms to construct portfolios tailored to client needs.

Thomas Borrelli is a financial advisor with LPL Financial in Brighton, NY, holding the Series 63 and Series 66 designations and possessing 18 years of industry experience. He previously worked at Key Investment Services, LLC from 2014 to 2022 before joining LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, institutions, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning services, and utilizes strategic and tactical model portfolios supported by in-house research and third-party subadvisors.

Laurie Zastawrny is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 designations and bringing 16 years of industry experience. Prior to joining Raymond James in 2022, she worked for Merrill for 11 years. 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, institutions, and municipal entities, and offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Timothy Bay is a Financial Consultant at Fidelity Investments, a position he has held since 2024. He has been with Fidelity Investments since 2020, previously serving as an Investment Consultant from 2022 to 2024, a Relationship Manager from 2021 to 2022, and a Financial Representative from 2020 to 2021. Prior to joining Fidelity Investments, he worked as a Financial Professional at Equitable Advisors from 2019 to 2020. Timothy focuses on helping local clients develop financial plans tailored to their priorities. He emphasizes a dedicated and trustworthy approach to assist clients in growing, protecting, and maintaining their wealth, aiming to provide them with confidence in their financial strategies. Outside of his professional work, Timothy has interests in fitness and football.

Christopher Shekell is a financial advisor with Mass Mutual Investors Services in Rochester, NY, holding a Series 63 designation and 17 years of industry experience. He has been with Mass Mutual Investors Services and MassMutual Life Insurance since 2017 and is also an agent with Pinnacle Insurance & Financial Services, where he has worked since 2015. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, with planning engagements that focus on goal analysis and strategy recommendations rather than specific product selections.

Robert Walker III is a financial advisor with LPL Financial in Rochester, NY, holding CFP® and ChFC® designations and bringing 25 years of industry experience. He has worked with ESL Investment Services, LLC and Key Investment Services LLC during his career. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of financial planning and advisory programs, including discretionary and non-discretionary management, with resources from LPL Research and third-party subadvisors.