Matthew Duncan is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He holds Series 63 and Series 65 credentials and has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2014. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these services through a non-discretionary program supported by an in-house manager solutions team and a centralized due-diligence framework.

Mark Vitale is a financial advisor with Ameriprise in Rochester, NY, holding a Series 66 designation and 25 years of industry experience. He has been with Ameriprise and its affiliate since 2001. Ameriprise provides a retirement-income planning service focused on clients approaching or in retirement who meet specific asset criteria, delivering written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to support personalized retirement income planning within a large institutional framework.

David Schmidl is a financial advisor with Mass Mutual Investors Services in Rochester, NY, holding a Series 63 license and 20 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and was previously with MSI Financial Services, Inc. from 2005 to 2017. Outside of his advisory role, he has been involved in sales for individual life products, including long-term care insurance. Mass Mutual 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, charitable organizations, and employers. The firm offers collaborative, software-supported financial planning, including new event-driven services such as divorce planning and estate settlement.

Paul Ognenovski is a financial advisor with LPL Financial in Rochester, NY, holding a Series 63 license and seven years of industry experience. His prior roles include positions at MassMutual Life Insurance Co. and MML Investors Services LLC. Outside of advisory work, he is involved in property and casualty and non-variable insurance activities. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios, third-party subadvisors, and various investment strategies.

Faith Schumacher is a financial advisor at J.P. Morgan Securities with two years of industry experience. She holds a Series 66 designation and previously worked at Broadstone Net Lease and Empire Valuation Consultants. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Nicholas Sarto is a financial advisor with Raymond James & Associates in Rochester, NY, holding a Series 66 designation and eight years of industry experience. He has been with Raymond James & Associates since 2015. 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 individuals, including high-net-worth clients, institutional and pension plans, charitable organizations, and municipal entities, providing financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Alexander Goorman is a financial advisor at Equitable Advisors with a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, he worked at Eastern Managed Print Network for six years and has held roles at Koen Goorman-NRF and Lakeview Valet, LLC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.

Lorie Helmbold is a financial advisor at Merrill with 25 years of industry experience. She holds a Series 66 designation and has been with Merrill Lynch since 1997. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

William Abbott is a financial advisor with LPL Financial in Pittsford, NY, holding a Series 63 designation and 29 years of industry experience. He previously worked at Abbott Financial and Post Resch Tallon Group, Inc., among others. Outside of his advisory work, he is employed in sales at Dick's Sporting Goods, focusing on the golf department. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs, financial planning, and consulting services, utilizing model portfolios, third-party subadvisors, and research to support diversified investment strategies.

Philip DiPasquale is a financial advisor with UBS Financial Services in Rochester, NY, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. He has been with UBS since 2011. DiPasquale serves as a trustee for the B. Thomas Golisano Foundation and is involved with the Nativity Preparatory Academy of Rochester as a member of its Finance Committee. He is also the proprietor of DiPasquale Brothers Beverages LLC, a venture collaborating with local craft brewers to produce small-batch beverages and support at-risk children through sales. UBS Financial Services serves individual, corporate, and institutional clients offering brokerage and advisory services, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management and delivers tailored investment solutions based on proprietary research and model-based asset allocations.

Kyle McDermott is a CFP® professional with 14 years of industry experience. He is currently with Cambridge Investment Research Advisors, where he has worked since 2019. His previous experience includes roles at Mass Mutual Investors Services and Axa Advisors. Outside of advisory work, he is also involved as an insurance agent specializing in fixed insurance and Medicare sales. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services via independent financial professionals, utilizing a range of portfolio management strategies and platform arrangements tailored to client objectives.

Ryan Kozarits is a financial advisor with LPL Financial in Pittsford, NY. He holds the Series 66 designation and has three years of industry experience. Prior to his current role, he has held various positions including work related to landscape services and education. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Ernesto Barcelo is a financial advisor with Mass Mutual Investors Services in Rochester, NY, holding Series 63 and Series 66 designations and possessing 32 years of industry experience. His prior roles include positions at Key Investment Services LLC and MassMutual Life Insurance Co. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm offers collaborative, annual planning relationships using firm-approved analytical tools and also conducts educational seminars.

Brian Katz is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been with Merrill since 1993 and concurrently with Bank of America since 2009. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary strategies developed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Emma Bouchard is a financial advisor at Wells Fargo Advisors with Series 66 credentials and one year of industry experience. Prior to joining Wells Fargo Advisors, she worked at isolved and Paychex, and she has a background in higher education from John Carroll University. Outside of her advisory role, she works part-time as a cashier at Red Bird Market, a grocery store in Fairport, NY. Wells Fargo Advisors Financial Network is a broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and integrates advisory services with banking and other financial products through a large network of advisors.

Aaron Brown is a financial advisor with Cetera in Pittsford, NY, holding a Series 63 designation and bringing 10 years of industry experience. He has worked previously with ESL Investment Services, LPL Financial, and ESL Federal Credit Union. In addition to his advisory role, he serves as a relationship manager at Canandaigua National Bank & Trust, focusing on planning and client relationship development. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutions through a nationwide network of independent advisors. The firm offers diverse investment solutions including discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers across multiple program structures and custodial platforms.

Mark Adam is a financial advisor at LPL Financial with 34 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Cadaret, Grant & Co., Inc. and operated Adam Financial Planning since 2007. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charities nationwide. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

Michael Lopes is a financial advisor with Equitable Advisors in Rochester, NY, holding Series 63 and Series 65 licenses and six years of industry experience. His prior roles include positions at Axa Advisors and Skyway ROC. He is a member of the Rochester Chamber of Commerce. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and various third-party asset managers, utilizing a hybrid referral and implementation model.

Daniel Schmitz Jr. is a CFP® with 30 years of industry experience, currently serving as a financial advisor at Raymond James Financial. He was previously with Commonwealth Financial Network for 20 years. Outside of his advisory role, he is a co-owner of OakWood Financial Services, LLC. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, institutional, and corporate clients. The firm uses tailored, non-discretionary planning and analytical tools to support client goals and offers specialized advisory programs, including municipal and public-finance services.

Nathan Elvers is a ChFC®-designated financial advisor with 17 years of industry experience. He is currently with OSAIC and previously worked at Securities America Advisors and Northwestern Mutual. Outside of his advisory role, he owns and manages a tax preparation and planning business. OSAIC serves a diverse client base, including individual and institutional investors, offering integrated brokerage, advisory, and financial planning services through a large network of affiliated advisors. The firm employs a range of asset-allocation tools and third-party platforms to deliver customized portfolio management.