Thomas Newberg is a Series 66 licensed financial advisor with 14 years of industry experience. He has worked at Stifel since 2022 and previously held roles at JPMorgan Chase Bank and J.P. Morgan Securities from 2015 to 2022. Stifel serves a wide range of clients, including individual, institutional, and municipal clients, providing both brokerage and investment advisory services. The firm’s investment approach is based on proprietary methodologies developed by its Investment Strategy Group, using forward-looking capital market assumptions and probabilistic modeling to guide asset allocation and financial planning.

Patrick Larkin is an Investment Consultant at Fidelity Investments, a position he has held since 2025. Prior to this role, he worked as a Financial Advisor at Equitable Advisors from 2024 to 2025. In his current role, Patrick focuses on collaborating with clients to understand their individual financial goals and concerns, emphasizing a personalized approach to financial planning. Patrick believes that there is no one-size-fits-all method in financial guidance and prioritizes making clients feel heard and understood. He works together with clients to develop tailored financial plans aimed at achieving their future objectives while ensuring a positive experience throughout the process. Outside of his professional duties, Patrick has interests in cars, food, football, golf, snowboarding, and soccer.

Julianna Lauricella is a Financial Consultant at Fidelity Investments, a position she has held since 2023. Prior to this role, she worked as an Investment Consultant at Fidelity Investments from 2022 to 2023. She has also served as a Financial Advisor at Northwestern Mutual from 2019 to 2022 and as a Financial Representative there from 2017 to 2019. As a Certified Financial Planner™, Julianna collaborates with clients to develop holistic financial plans tailored to their specific needs, focusing on understanding their goals and preferences to empower informed financial decisions. Her professional experience spans various aspects of financial consulting and investment advising. Outside of her professional work, Julianna's personal interests include family activities, fishing, gardening, golf, spending time at the lake, and caring for pets.

Randall Trahan is a CFP® with 22 years of experience in the financial services industry. He has worked at Raymond James & Associates since 2019 and previously spent five years with key Investment Services LLC. He serves as a board member for Rochester Special Hockey, an organization that promotes hockey as a method to develop life skills for individuals with developmental disabilities. 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, offering financial planning, investment consulting, and institutional fiduciary solutions.

Terianne Payton is a financial advisor with OSAIC, holding Series 66 and Series 63 licenses and four years of industry experience. She has worked at several firms, including Northwestern Mutual and SagePoint Financial, and previously spent nine years at Red Jacket High School. Outside of finance, she owns an ecommerce business that designs and sells printed apparel and accessories and also coaches CrossFit classes. OSAIC serves a broad range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm’s investment process uses model-based asset allocation and portfolio optimization tools, supporting discretionary and advisor-managed strategies with access to third-party managers and alternative investments.

Amy Strutt is a financial advisor with Morgan Stanley in Rochester, NY, holding a Series 63 designation and 26 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

David Kotalik is a financial advisor at Morgan Stanley in Rochester, NY, with 32 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets.

Thomas L Huber is a financial advisor at Stifel with Series 63 and Series 65 credentials and 40 years of industry experience. He previously worked at UBS Financial Services for nine years before joining Stifel in 2018. Outside of his financial career, Huber serves as secretary for The Beamer Hughes Foundation, which raises funds to assist Rochesterians affected by Muscular Dystrophy. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies.

Scott Ricci is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has worked at LPL Financial since 2018 and previously at Cetera Advisors LLC, alongside running his own tax preparation and accounting firm, GSR & Associates, Inc., since 1997. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

David Dimitro is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank, National Association. 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 and financial planning services that utilize firm-approved tools and models, managing approximately $2.74 trillion in client assets.

Emily Titus is a financial advisor with UBS Financial Services in Rochester, NY, holding a Series 66 designation and three years of industry experience. Prior to joining UBS, she worked in various roles including at First Watch Daytime Cafe and John Carroll University. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor plans to clients' goals. The firm provides a broad range of services including fee-based financial planning, portfolio management, and capital markets capabilities.

Andrew Kuter is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 13 years of industry experience. He previously worked at FSC Securities Corp, Mutual of Omaha Investor Services, Inc., and operated as an independent insurance contractor. Outside of his advisory role, Kuter is involved in several investment-related business activities including tax preparation and accounting services, serving as vice president and secretary of Taxwise Plus, Inc., and owner of Pittsford Tax Partners. 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, and institutional platforms, supported by a broad network of investment adviser representatives.

Nathaniel Skinner is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he partners with clients to understand their unique goals and develop customized financial strategies aimed at pursuing long-term success. His approach emphasizes trust, personalized guidance, and ongoing support through every stage of life. Nathaniel's expertise includes general investing, retirement planning, managing new wealth, education planning, socially responsible and values-based investing, and retirement income strategies. He holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Nathaniel earned a High School Diploma from the High School of Health Professions. Outside of his professional work, Nathaniel has interests in baseball, basketball, football, gardening, ice hockey, music, pickleball, reading, spending time with his family, and watching movies.

David Marshall is a CFP® professional with 27 years of experience, currently serving as a financial advisor at UBS Financial Services since 2009. He is based in Rochester, NY, and holds Series 63 and Series 65 licenses. Outside of his advisory role, Marshall is actively involved in his community, serving as Treasurer on the Board of Directors for the Montessori School of Rochester and holding positions on the Village of Pittsford Board of Trustees, including deputy mayor and alternative member of the Planning and Zoning Board of Appeals. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm’s advisory approach utilizes proprietary capital market assumptions and research to tailor plans aligned with clients’ goals and risk tolerances.

Michael Colby is a financial advisor with Raymond James & Associates, holding a Series 66 designation and eight years of industry experience. He has been with Raymond James since 2017 and has operated Cafe Genevieve since 2012. 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, providing financial planning, non-discretionary investment consulting, and municipal advisory services.

Francis Celona is a CFP® professional with 24 years of industry experience. He is currently with Cambridge Investment Research Advisors, where he has worked since 2023. His prior experience includes roles at Securities America and Allied CPAs, PC. Celona is also involved in interior design management through MQS Home Interiors, Inc., and serves as treasurer for the Mendon Foundation, Inc. Cambridge Investment Research Advisors serves a broad mix of individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, and retirement-plan advisory services. The firm manages a multi-billion dollar asset base and provides access to multiple platforms, proprietary model strategies, and third-party advisers.

Jeffrey Rocca is a financial advisor with UBS Financial Services in Rochester, NY, holding a Series 66 designation and 21 years of industry experience. He has been with UBS since 2011. Outside of his advisory role, he serves as a trustee for non-familial and irrevocable trusts, overseeing disbursements and tax filings. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and utilizing proprietary research and model-based asset allocations to tailor client plans.

Thomas Guider is a financial advisor at Cetera with a Series 66 designation and one year of industry experience. His prior roles include positions at Davie Kaplan Wealth Care Advisors, ESL Federal Credit Union, Burlington Stores, and St. John Fisher University. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors, utilizing multiple program options and third-party managers.

Michael Bellapianta is a financial advisor with LPL Financial based in Rochester, NY, holding Series 63 and Series 65 credentials and possessing 31 years of industry experience. He previously worked for MassMutual and MML Investors Services for 22 years. Outside of his advisory role, he serves as a notary and engages in non-variable insurance activities. 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 broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive operational tools and a large network of investment adviser representatives.

Stephen Calabrese is a financial advisor with LPL Financial, holding a Series 66 designation and five years of industry experience. He previously worked at Wells Fargo Advisors for five years and JPMorgan Chase for 17 years. 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, utilizing model portfolios, third-party subadvisors, and customized strategies.