Karl Cedarleaf is a financial advisor with Raymond James & Associates in Rochester, NY, holding Series 63 and Series 65 credentials and 26 years of industry experience. He previously worked at Key Investment Services LLC for seven years prior to joining Raymond James in 2019. Outside of his advisory role, Cedarleaf serves as a Cub Master for the Cub Scouts and is involved with Ducks Unlimited and the American Legion. Raymond James & Associates 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 municipalities, offering financial planning and non-discretionary investment consulting supported by a wide range of portfolio management styles and affiliated research resources.

Patrick George is a financial advisor with Cetera who holds the PFS™ and Series 66 designations and has 25 years of industry experience. He has worked with firms including Avantax Advisory Services and Avantax Investment Services, and is an affiliated partner at Davie Kaplan, CPA, P.C. He also serves as a trustee for third-party supplemental needs and insurance trusts. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, employer-sponsored retirement plan, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a multi-manager platform with access to discretionary and non-discretionary portfolio management, financial planning, and third-party money managers.

Jeffrey Machiele is a financial advisor with Morgan Stanley in Rochester, NY, holding Series 63 and Series 66 licenses and possessing 36 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2015. In addition to his advisory role, Machiele serves as a board member of the Rochester Christian School Foundation, a charitable nonprofit organization. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs and financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and scenario modeling to support its financial planning process.

Timothy Acker is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been helping clients since 2015. He specializes in family wealth management strategies, managing new wealth, and personal retirement planning. Timothy focuses on offering a comprehensive approach to managing wealth that begins with understanding the client's financial situation, family, and priorities, followed by creating a customized and flexible wealth management plan suitable to evolving needs and market conditions. He provides clients with access to the investment insights of Merrill and the banking services of Bank of America. Timothy holds a bachelor's degree from Pennsylvania State University and is a CERTIFIED FINANCIAL PLANNER® professional. His professional designations also include Personal Investment Advisor (PIA). Outside of his advisory role, Timothy is involved with professional organizations such as Al Sigl and the Rochester Area Community Foundation. In his free time, he enjoys golfing, hockey, billiards, reading, football, and spending time with his family.

Timothy Brown is a financial advisor at OSAIC with four years of industry experience. He holds a Series 66 designation and has worked at several firms, including Securities America, Park Avenue Securities, and Guardian Life Insurance Company. Outside of advising, he has participated in a partnership role as a Wealth Management Assistant, supporting client servicing and advisor tools. OSAIC serves a wide range of clients, including individual investors, retirement plans, charities, and corporations, providing brokerage and advisory services through a multi-advisor platform. The firm utilizes model-based asset allocation and portfolio optimization supported by various tools and offers both discretionary and third-party manager strategies.

Stephen Riley is a financial advisor with LPL Financial in Fairport, NY, holding Series 63 and Series 65 licenses and having 49 years of industry experience. He has been with LPL Financial, including its predecessor Linsco/Private Ledger Corp, since 2004. Outside of his advisory role, he sells fixed life insurance products and is a commissioned notary. 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.

Wendy Sydeski is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously spent five years at RBC Capital Markets. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research and analytics from Wells Fargo Investment Institute and third-party databases.

Lisa Fisher is a financial advisor with Wells Fargo Clearing in Pittsford, NY, holding a Series 63 designation and 39 years of industry experience. She has worked with Wells Fargo Clearing since 2016. Outside of her advisory role, she is involved as a costume coordinator for the Honeoye Falls Lima High School drama club and operates a sewing business creating phone pouches for female runners. 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 approximately $671 billion in assets and offers both brokerage and advisory solutions.

Kelly Whalen is a financial advisor at LPL Financial with 15 years of industry experience. She holds a Series 63 designation and has been with LPL Financial since 2011. Outside of her advisory work, she serves as a Notary Public. 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 investment management services, utilizing model portfolios, third-party subadvisors, and customized strategies across various asset classes.

Sally McMahon is a financial advisor at Merrill with 27 years of industry experience and holds the Series 66 designation. She has been with Merrill since 2001 and concurrently with Bank of America, N.A. since 2014, both firms within the same corporate group. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Thomas Mc Auley Jr. is a financial advisor at Merrill with 34 years of industry experience. He holds Series 63 and Series 65 registrations and has worked at Merrill since 1992, concurrently serving at Bank of America, N.A. since 2011. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors. The firm integrates internal and third-party management while supporting trading and account administration.

Colin Worden is a Wealth Management Advisor at Merrill Lynch Wealth Management, based in Western New York. He serves families, business executives, and young professionals across the United States, assisting them in investing for their futures and achieving their financial goals. Colin's areas of focus include retirement planning, college education, small business strategies, legacy planning, and customized investment portfolio creation tailored to individual client needs. He holds a Personal Investment Advisor (PIA) designation. Colin earned his undergraduate degree, a Bachelor of Arts in Economics with honors in Philosophy, from Case Western Reserve University in 2015, and later obtained an MBA from the Simon Business School at the University of Rochester. He resides in Rochester, NY, and enjoys drawing, reading, rock climbing, running, skiing, spending time with his family, and traveling.

Erica Cummings is a financial advisor with RBC Capital Markets based in Rochester, NY, holding a Series 66 designation and 24 years of industry experience. Her prior roles include positions at Morgan Stanley Private Bank and City National Bank. She serves on the board of directors for New York Kitchen, a nonprofit organization focused on fundraising. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers tailored investment programs combining in-house and third-party managers with options for tax management and responsible investing.

Kevin Garden is a CFP® professional with 14 years of industry experience and is currently associated with OSAIC. He previously worked with Securities America Advisors, Inc. and SECURITIES AMERICA, inc. for a combined 12 years. Garden also engages in insurance sales through a separate business activity, recommending products as part of financial planning. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporations. The firm offers a range of brokerage and advisory services supported by model-based asset allocation, portfolio optimization, and multiple investment programs delivered through affiliated broker-dealer and RIA relationships.

Kellen Gambeski is a financial advisor with Fidelity, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. He has worked at various Fidelity entities since 2013, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a broad client base, utilizing a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm serves retail and institutional investors, offering discretionary and non-discretionary advisory services, fund advisory, and model portfolio delivery with oversight of affiliated sub-advisers.

Michael Caruso is a financial advisor at Raymond James & Associates with six years of industry experience. He holds the Series 66 designation and previously worked at L3Harris Technologies from 2016 to 2020 before joining Raymond James in 2020. Raymond James & Associates 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, institutional and pension plans, and municipal entities, offering financial planning, investment consulting, and municipal advisory services.

Michael Riorden is a financial advisor with LPL Financial, holding a Series 63 designation and 39 years of industry experience. He has worked with Rw Lloyd Financial since 2006 and spent 19 years at Cadaret, Grant & Co., Inc. Outside of his advisory role, he is involved with Upstate Special Risk, a non-variable insurance business. 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, model portfolio programs, and institutional platforms, supported by technology tools and a large network of more than 22,800 advisors.

Melissa Streber is a financial advisor with LPL Financial, holding a Series 66 designation and five years of industry experience. She has worked at LPL Financial since 2022 and previously held positions at Cuna Brokerage Services Inc. and Reliant Community FCU. Outside of finance, she is active with Fierce Fitness and holds a New York State Notary commission. 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, model portfolios, third-party asset management, and institutional platforms.

John Valentine is a financial advisor with Charles Schwab holding a Series 66 designation and 26 years of industry experience. He has been with Charles Schwab Co., Inc. since 2001 and Charles Schwab Bank since 2005. 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 combines non-discretionary advisory with access to discretionary separately managed accounts, providing multi-asset model portfolios, written advice policies, and alternative investment opportunities through a centralized, integrated platform.

Kimberly Anderson is a CERTIFIED FINANCIAL PLAN™ professional with 32 years of industry experience. She has worked at LPL Financial since 2019 and previously spent 25 years at Ameriprise Financial Services, Inc. Additionally, she serves in a fiduciary capacity for the Andrew G Cole Testamentary Trust. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.