Charles Ott is a financial advisor at Morgan Stanley with Series 66 registration and three years of industry experience. His prior roles include positions at Rochester Regional Health and The TJX Companies. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a broad range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning processes that incorporate advanced modeling tools.

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.

Brittany Bieger is a CFP®-credentialed financial advisor with Morgan Stanley in Rochester, NY, bringing 13 years of industry experience. She has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm employs structured planning tools and investment modeling techniques while acting primarily in an advisory capacity.

Kaden Helmer is a financial advisor with Ameriprise in Victor, NY, holding a Series 66 designation and one year of industry experience. Prior to joining Ameriprise in 2022, he worked at Under Armour and has a background that includes roles at Duquesne University and Victor Junior/Senior High School. He also manages an advisory business under Creative Management Consultants, LLC. Ameriprise provides a retirement-income planning service primarily for individuals approaching or in retirement with significant investable assets, combining research-driven recommendations with tax-smart withdrawal strategies and algorithmic automation to support client planning.

Alyssa Cruz is a financial advisor with OSAIC Wealth, Inc., holding Series 63 and Series 65 licenses and two years of industry experience. She previously worked at Financial Freedom Group and has experience in content creation for social media platforms such as Instagram and TikTok. She also holds a public notary designation. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisors and advisory platforms. The firm offers integrated brokerage and investment advisory services with a focus on asset allocation, risk tolerance, and portfolio construction using a variety of securities and third-party management solutions.

Francis Wacenske is a Series 66-credentialed financial advisor with 22 years of industry experience. He has been with UBS Financial Services Inc. since 2009. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor solutions to clients.

David Marulli is a Series 66-credentialed financial advisor with Morgan Stanley in Rochester, NY, and has 22 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2009, including over a decade at Morgan Stanley Private Bank, N.A. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes supported by firm-approved tools and market simulations.

Edward Denning is a financial advisor at OSAIC with 28 years of industry experience. He holds a Series 63 designation and previously worked for Lincoln Financial Advisors Corp. for 22 years. In addition to advising, Denning sells and services accident/health insurance, traditional life insurance, and fixed annuities. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing various platforms and asset-allocation tools to construct customized portfolios across multiple asset classes.

Dylan Joy is a financial advisor at Ameriprise with Series 66 credentials and five years of industry experience. Prior to joining Ameriprise in 2020, he held positions at Dick's Sporting Goods, National General Insurance, and Canisius College. Outside of his advisory role, Joy contributes as an assistant coach for a local high school lacrosse team. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, known for its specialized Premier Retirement Income service that provides annual retirement-income planning advice through a centralized team collaborating with advisors. The firm’s approach includes detailed recommendation reports focusing on income sources, tax-aware withdrawal strategies, and Social Security options within a defined investment framework.

Sandra Kobel is a financial advisor at LPL Financial with 39 years of industry experience and holds the CFP® and ChFC® designations. She previously worked at NEXT Financial Group for 16 years before joining LPL Financial in 2025. In addition to her advisory role, she operates Kobel Consulting, which focuses on non-variable insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm provides a range of advisory programs, financial planning, and retirement consulting supported by research and technology-driven investment strategies.

Carmen Marrero is a financial advisor at UBS Financial Services with 18 years of industry experience. She holds Series 63 and Series 66 designations and has worked at UBS since 2021. Her prior experience includes roles at Atlantic Family Wealth, LPL Financial, and First State Bank of the Florida Keys. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides a range of investment solutions supported by proprietary research and model-based asset allocations.

Georgiann Collins is a financial advisor with Morgan Stanley in Rochester, NY, holding Series 63, 65, and 66 licenses and 26 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. 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, managing approximately $2.74 trillion in client assets, and employs structured planning tools as part of its approach.

Kevin Roe is a financial advisor with UBS Financial Services in Rochester, NY, holding the CFP® designation along with Series 66 and Series 63 licenses. He has 13 years of industry experience and has previously worked at Facet Wealth and UBS Financial Services Inc. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and capital market assumptions to tailor solutions to client goals and risk tolerances.

Angelo Costanza II is a financial advisor at LPL Financial with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at The Pitti Group Wealth Management, Wells Fargo Advisors, and American Portfolios Financial Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, combining discretionary and non-discretionary management with model portfolios and research from internal and third-party sources.

Emilio Monti Jr. is a CFP® professional affiliated with Cambridge Investment Research Advisors, with five years of industry experience. Prior to joining Cambridge in 2022, he worked at Mass Mutual Investors Services and Mass Mutual Life Insurance Company. He also has experience with F. Monti Enterprises LTD and has been involved in paraplanning and advisory roles in related activities. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts by providing financial planning, investment management, and retirement plan advisory services. The firm offers both discretionary and non-discretionary investment strategies through multiple platforms and supports a range of portfolio management options, including proprietary models and third-party solutions.

Amy Waldron is a financial advisor at Edward Jones with one year of industry experience. She previously worked at Zotec Partners for five years and IMG for twelve years. Waldron is a founding board member of Crimson Pride Softball, where she manages the organization's website and supports team operations. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices.

Peter Zedick is a financial advisor at LPL Financial with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Waddell & Reed, Inc. and various insurance carriers. Outside of advisory work, he is involved with Zedick Properties LLC, a real estate rental business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by research and utilizes both discretionary and non-discretionary management approaches.

Jefferson Webster is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. His career includes roles at MassMutual Life Insurance Company and MetLife Securities. Webster also manages an insurance brokerage specializing in life, health, and group insurance products. MassMutual 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 programs using firm-approved analytical tools to support collaborative client relationships.

Sandy Romeo Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 38 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. from 2015 to 2019. In addition to his advisory role, he is involved in several related business activities, including non-variable insurance and partnership interests outside the core advisory business. LPL Financial serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a large national network of investment adviser representatives. The firm offers a wide range of financial planning, advisory programs, and brokerage services, utilizing model portfolios, third-party subadvisors, and advanced technologies to support its investment strategies.

Chris Collins is Vice President and Financial Consultant at Fidelity Investments, where he has worked since 2010, progressing through several roles including Investment Representative, Account Executive, and Vice President. Prior to joining Fidelity, he was a Financial Advisor at Waddell & Reed from 2006 to 2008. In his current role, Chris helps investors create comprehensive financial plans tailored to their goals and circumstances. His approach involves thorough analysis, clear communication, and ongoing support to identify opportunities and provide customized recommendations. Outside of his professional work, Chris enjoys baseball, boating, cooking and baking, football, and traveling.