Scott Fredereksen is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since joining Merrill Lynch in September 2011, Scott has worked alongside his business partners Mark Eidlin and Matthew Kilmer, focusing on advising affluent individuals and families, business owners, corporate executives, medical professionals, foundations, and endowments in Rochester and surrounding areas. He emphasizes taking a client’s complete financial picture into account to align recommendations with their best interests and values a personal connection with clients to better serve their needs. Scott’s areas of expertise include college education planning, corporate benefits, divorce transition planning, employee financial health, executive compensation, equity compensation services, and tax minimization. He offers a wide range of wealth management services such as retirement planning, qualified plans, wealth transfer strategies, and philanthropic giving. Scott holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor™ (CRPC™), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor’s Degree from Cortland University. Outside of his professional role, Scott is engaged in community service and volunteers with various organizations. His personal interests include basketball, camping, fishing, football, golfing, music, and spending time with his family.

Daniel Hayes is a financial advisor with Ameriprise in Pittsford, NY, holding a Series 63 designation and over 26 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, Hayes is involved in business management through several limited liability companies. Ameriprise offers retirement-income planning services focused on clients approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations, supported by a centralized consulting team and the use of algorithmic tools.

Andrew Toomey is a financial advisor at Equitable Advisors with three years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at the Office of Child and Family Services and Rehab Support Services. 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 employs a hybrid referral and implementation model and offers both advisory and brokerage channels to support client recommendations.

Daniel Leonard is a financial advisor with Morgan Stanley in Rochester, NY, holding a Series 66 designation and 25 years of industry experience. He has been with Morgan Stanley since 2009, including over a decade at Morgan Stanley Private Bank. Outside of his advisory role, Leonard serves as a head soccer coach for the Lakefront Soccer Club in Webster, New York. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutions, focusing on tailored financial planning supported by firm-approved tools and investment modeling. The firm manages approximately $2.74 trillion in client assets and provides services through both direct and corporate financial planning agreements.

Mark Temperato is a financial advisor at OSAIC with 13 years of industry experience. He holds the ChFC® and Series 63 designations. His prior experience includes roles at Securities America Advisors and Northwestern Mutual Wealth Management Company. Temperato is also involved in financial services partnerships and manages a tax-related LLC. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, and charitable organizations through a large network of advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services with a focus on asset allocation, risk assessment, and access to third-party investment solutions.

Paul Hanrahan Jr. is a financial advisor with Morgan Stanley in Pittsford, NY, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. His career includes roles 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 serving individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through employer-based financial planning agreements.

Samantha Caruso is a financial advisor at Raymond James Financial with three years of industry experience. She holds a Series 66 designation and previously worked at UBS Financial Services and Wells Fargo Advisors. Outside of her advisory work, she manages a residential rental property. Raymond James Financial Services Advisors offers financial planning, investment consulting, and advisory services to individuals, high-net-worth investors, pension plans, charitable organizations, and government entities. The firm provides customized solutions including municipal advisory services and small business retirement plan consulting.

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 since 2015. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm also offers institutional consulting and public finance 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 Series 66-credentialed financial advisor with 25 years of industry experience. She has been with Merrill Lynch since 1997 and is based in Pittsford, NY. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries, integrating investment management with Bank of America's broader financial platform.

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.