Heather Lucas is a financial advisor at Morgan Stanley with 25 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds a Series 66 license. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and investment modeling in its financial planning process.

Ryan Little is a financial advisor at Morgan Stanley with nine years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Morgan Stanley and its affiliated entities since 2017, including Morgan Stanley Private Bank. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individual and institutional clients. The firm provides tailored financial planning supported by structured discovery and firm‑approved tools, managing approximately $2.74 trillion in client assets.

Christian Gehlen is a financial advisor at Wells Fargo Clearing with 23 years of industry experience. He holds the ChFC® and Series 63 designations and has previously worked at ESL Investment Services, LLC and LPL Financial. Outside of his advisory role, he owns Gehlen Enterprises LLC, a business involved in product invention. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates a broader range of financial products, including insurance-related vehicles and bank deposit sweep options.

Shannon De Lorme is a financial advisor at Morgan Stanley in Rochester, NY, holding a Series 66 credential with seven years of industry experience. Prior to joining Morgan Stanley in 2019, De Lorme worked in various roles including at SUNY College at Brockport and in the retail and food service industries. Outside of financial advising, De Lorme is involved in art and culture as a musician and musical instrument sales proprietor. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies.

Gregory Murray is a financial advisor at Charles Schwab with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Charles Schwab and related entities since 2000. He is based in Pittsford, NY. Charles Schwab & Co., Inc. serves 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 operates a large-scale, integrated structure combining non-discretionary advisory relationships with access to discretionary separately managed accounts and offers centralized supervisory, custody, and order-routing services.

Elise Syberg is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 10 years of industry experience. She previously worked at Merrill for six years before joining Wells Fargo Clearing in 2022. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Ryan Barden is a Financial Advisor at Merrill Lynch Wealth Management. He joined the firm in May 2011 and provides customized service and support to clients, as well as internal services to the advisor team. Ryan plays a key role in helping clients manage their investments to pursue their retirement goals. He holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Ryan earned a Bachelor's Degree from the State University of New York System. Ryan resides in Horseheads, NY with his wife, Lindsey, and their sons, Rylen and Ronan.

Jeffrey Humbert is a CFP® and holds a Series 66 license with eight years of industry experience. He has been with Cetera and Cetera Investment Services LLC since 2018 and also maintains an affiliation with Canandaigua National Bank & Trust, where he works as a wealth advisor. In this role, he profiles clients and collaborates with team members to determine the most suitable platform for client needs without making investment decisions or handling securities transactions. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, combining discretionary and non-discretionary approaches across multiple program and custodial relationships.

James Henry is a financial advisor with Osaic Wealth, INC, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. His prior roles include long tenure at Foresters Financial Services and Cetera. He is also owner and president of Atlas Wealth Advisors LLC, an investment-related business. Osaic Wealth serves a broad range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and retirement plan consulting. The firm’s investment process relies on model-based asset allocation and portfolio optimization, supporting discretionary and non-discretionary strategies across multiple custodial and legacy program arrangements.

Michael Valenti is a financial advisor with UBS Financial Services in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and Manning and Napier Advisors. Outside of advisory work, he is involved as a member of CBCM Ventures LLLC and holds non-managing partner positions in Pittsford Sports Authority LLC and PSA Opportunities LLC. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including fee-based financial planning and discretionary portfolio management, utilizing proprietary research and model-based asset allocations. The firm combines institutional trading capabilities with wealth management services and provides a broad platform including custody, underwriting, and capital markets solutions.

Dean Licata is a financial advisor at OSAIC with 42 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Securities America Advisors, Inc. and Securities America, Inc. from 2016 to 2024. He also operates Dean Licata and Associates, which he has run since 1994. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, advisor-managed portfolios, and retirement plan consulting. The firm’s investment process emphasizes model-based asset allocation and portfolio optimization, supported by various tools and strategic program options.

Thomas Higgins is a CFP® with 43 years of industry experience and has been with OSAIC since 1993. He is based in Fairport, NY, and has involvement in insurance sales through his ownership of Revere Financial Planning Inc. He is also a partner in Maryak, LLC, a limited liability company that holds income properties. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations. The firm offers a wide array of brokerage and advisory services through a multi-advisor platform that emphasizes model-based asset allocation, portfolio optimization, and access to both proprietary and third-party investment strategies.

Erin Cody is a financial advisor at Morgan Stanley with two years of industry experience. They have held roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Bank of America, Merrill Lynch, and Equitable Advisors. Outside of their advisory work, Erin was involved with the Oswego Men's Ice Hockey Team for three years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and estate planning strategies, supported by structured discovery processes and advanced modeling tools.

Michael Messina is a financial advisor at UBS Financial Services with nine years of industry experience and holds a Series 66 designation. His prior roles include positions at TD Ameritrade, TD Ameritrade Investment Management, and Scottrade. Outside of his advisory work, he serves as the executive director of Lancaster Lacrosse LLC, where he coordinates camps, clinics, and teams to support the growth of lacrosse. UBS Financial Services serves individual, corporate, and institutional clients by offering a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, utilizing proprietary research and a variety of capital markets services.

Stephen Fornarola is a financial advisor at RBC Capital Markets with 40 years of industry experience. He has been with RBC Capital Markets Corporation since 2008 and holds the Series 63 and Series 65 designations. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs tailored to clients' risk profiles and utilizes a combination of in-house and third-party investment managers to implement portfolio strategies.

Russell Martin is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 17 years of industry experience. His prior roles include positions at Paychex Securities Corporation, CUNA Mutual Group, and M&T Securities. Outside of his advisory work, he is employed part-time as a front desk associate at World Gym. 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 and access to third-party asset management, utilizing a variety of investment strategies supported by advanced research and operational tools.

Jordan Orvek is a financial advisor with Ameriprise in Rochester, NY, holding Series 63 and Series 66 designations and nine years of industry experience. Prior to joining Ameriprise in 2018, he worked at Merrill and Rocky Mountain Granite. Outside of his advisory role, he is involved with LeNovel Photograph, an activity he has maintained since 2017. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides annual retirement-income planning advice focused on dependable income and tax-aware withdrawal strategies.

Michael Palumbos is a financial advisor at OSAIC with 25 years of industry experience. He holds the ChFC® and Series 63 designations and formerly worked at Lincoln Financial Advisors for 24 years. He serves on the board of the Wayne Cooperative Insurance Company and is CEO of Family Wealth and Legacy Coaching, providing consulting services to families and business leaders, as well as CEO of ClarityBridge Media Group, a marketing and content development firm. OSAIC serves a diverse client base, including retail and institutional investors, retirement plans, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, providing a range of investment programs supported by a complex affiliate network and private-equity ownership.

Steven Patton is a financial advisor at Ameriprise with 22 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Ameriprise since 2018, following seven years at JPMorgan Investment Management. Outside of his advisory work, Patton serves on the board of the Greater Rochester Amateur Athletic Federation. Ameriprise offers retirement-income planning services targeted to individuals approaching or in retirement, generally with at least $1 million in investable assets. The firm provides advisory, brokerage, and insurance solutions through affiliated entities, with a focus on delivering written, research-driven retirement income recommendations.

Roxanne Mcelroy is a financial advisor at Stifel with 25 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Stifel Nicolaus & Co Inc since 2019, following a decade at UBS Financial Services Inc. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm utilizes a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and financial planning, providing clients with tailored analyses to support their investment decisions.