Ryan Slater is a financial advisor at LPL Financial with 14 years of industry experience. He holds the Series 66 designation and has worked previously at Key Investment Services LLC, KeyBank, Bank of America, and Merrill. Outside of his advisory work, he serves as a head coach for WNY Flash Soccer in Elma, NY. 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 financial planning, various advisory programs, and retirement consulting, utilizing model portfolios, third-party research, and technology-driven solutions.

Derek Pinelli is a financial advisor at Wells Fargo Advisors in Rochester, NY, holding Series 63 and Series 66 licenses with 17 years of industry experience. He has been with Wells Fargo Advisors since 2016. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services using proprietary research and tools, with clients choosing how to implement recommendations through brokerage or advisory programs.

Jeffrey Depoian is a financial advisor with Primerica Advisors in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2000. Outside of investment advisory activities, he is involved in referring home security and automation products as well as loan products through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm uses a curated selection of third-party asset managers and employs a tiered wrap-fee structure.

William Bailey is a financial advisor at Cetera with 29 years of industry experience. He holds the PFS™ designation along with Series 63 and Series 66 licenses. His career includes roles at Avantax Investment Services, 1ST Global Advisors, and Bonn, Dioguardi & Ray, LLP. He is also president of Bailey Wealth Management, Inc. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a multi-manager platform with a range of portfolio management, financial planning, and consulting services.

John Brandt is a financial advisor with Ameriprise in Rochester, NY, holding a Series 66 designation and 26 years of industry experience. He has been with Ameriprise and its predecessor firm since 2000. Outside of advising, he is involved with CNMK Operational Support LLC, providing financial advice and planning services. Ameriprise Financial Services is a large diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement-income planning through a structured recommendation report and ongoing advice.

Dylan Stoller is a financial advisor with Equitable Advisors in Rochester, NY, holding a Series 66 designation. He has worked in the financial services industry since 2022, including roles at Mapstone Veritas Financial Group and Equitable Advisors. Prior to his advisory career, he held various positions in education and other sectors. 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, offering both advisory and brokerage channels tailored to client goals and risk tolerance.

Christopher Lamphere is a financial advisor with Morgan Stanley in Pittsford, NY, holding a Series 66 designation and having 10 years of industry experience. He has worked with Morgan Stanley and its affiliates since 2016, including roles at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs for individual and institutional clients. The firm emphasizes structured financial planning using firm-approved tools and serves clients both directly and through corporate financial planning agreements.

Emily Freund is a Financial Consultant at Fidelity Investments, where she has worked since 2019 in various roles including Financial Consultant, Financial Consultant I, Planning Consultant, and Relationship Manager. Prior to joining Fidelity Investments, she was a Client Services Associate at Manning & Napier from 2016 to 2019. In her current role, Emily partners with clients to develop personalized long-term financial plans that align with their goals and needs. She leverages her experience along with Fidelity's resources to create tailored financial strategies. Outside of her professional work, Emily enjoys cooking and baking, exploring culinary interests, hiking, outdoor adventures, skiing, and spending time with her family.

Michaela Covert is a financial advisor at Equitable Advisors with five years of industry experience. She holds the Series 63 and Series 66 licenses. Her prior work includes roles at Niagara University and Wegmans. Equitable Advisors serves a diverse client base—including individuals, high-net-worth clients, retirement plans, and institutions—offering financial planning, brokerage services, and access to third-party asset management programs through a dual registration as an SEC-registered investment adviser and broker-dealer. The firm participates in LPL-sponsored programs and emphasizes both discretionary and non-discretionary portfolio management solutions.

Gregory Rahmlow is a financial advisor with Wells Fargo Clearing, holding the CFP® and ChFC® designations, as well as Series 65 and Series 66 licenses. He has 18 years of industry experience, including over a decade at Wells Fargo Clearing and prior work at Wells Fargo Advisors LLC. He is based in Pittsford, NY. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment management. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment menus.

Vincent Calcagno is a financial advisor with Equitable Advisors in Rochester, NY, holding Series 63 and Series 65 credentials and six years of industry experience. He has been with Equitable Advisors since 2019, following a brief tenure at Axa Advisors and prior work at St. John Fisher College. 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 operates a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to implement client recommendations.

Tracy Baker is a financial advisor at LPL Financial with 13 years of industry experience. She holds Series 63 and Series 65 licenses and has worked with firms including Cadaret Grant & Co., ESL Investment Services, Prosperity Advisory Group, and KM Investment Services. Outside of advising, she co-hosts a radio show and podcasts on investment topics and coaches youth volleyball in Webster, NY. 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 retirement consulting through a national network of representatives, providing both discretionary and non-discretionary management supported by in-house research and third-party subadvisors.

Eugene Skic is a financial advisor at OSAIC with 43 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Securities America Advisors, Inc. and Securities America, Inc. for 19 years. In addition to his advisory role, Skic is involved in the sale and service of life and health insurance and annuities, operating as an insurance agent and broker. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers, offering brokerage and investment advisory services, financial planning, retirement consulting, and access to third-party money managers. The firm employs various portfolio construction tools and supports multiple advisory platforms and managed account solutions.

Miguel Fernandez is a financial advisor with LPL Financial in Rochester, NY, holding Series 63 and Series 66 credentials and having nine years of industry experience. His prior work includes roles at Bank of America, Merrill, Morgan Stanley, and JP Morgan. Outside of his advisory work, he is a business owner of a food cart enterprise based in Orlando, FL. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers diverse financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and various investment strategies.

Paul Wyand is a CFP®-credentialed financial advisor with Ameriprise in Penfield, NY, bringing 35 years of industry experience. He has worked with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he serves on the Board of Directors for Oakwood Cemetery and owns a consulting business providing training and consulting services to wealth advisory firms. Ameriprise offers retirement-income planning services primarily for clients nearing or in retirement with significant investable assets, delivering tailored written recommendation reports that integrate research, modeling, and tax-efficiency analysis. As a large institutional firm, Ameriprise provides a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Tomas Aponte is a financial advisor at Cetera with 20 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Cetera since 2019, following prior roles at Foresters Financial and Foresters Advisory Services. Cetera Investment Advisers LLC is a nationwide firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, supporting both discretionary and non-discretionary accounts.

Jennifer Hartmann is a financial advisor with Morgan Stanley in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She has been with Morgan Stanley since 2013 and has served at Morgan Stanley Private Bank, National Association, since 2015. Outside of her advisory role, she is Chair of the Investment Committee for the Stephen Gaynor School in New York. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs for individuals and institutional clients. The firm provides tailored financial planning, utilizing structured discovery processes and approved planning tools, while managing approximately $2.74 trillion in client assets.

Patrick Ryan is a financial advisor at OSAIC with 15 years of industry experience. He holds the CFP® designation and has worked at firms including UBS Financial Services and FSC Securities Corporation. Ryan is a committee member at Heritage Christian Services, where he assists with fundraising and charity event organization. OSAIC serves a broad range of clients, including individuals, institutions, and charitable organizations, providing integrated brokerage, investment advisory, and retirement planning services through a large network of affiliated advisers and multiple advisory platforms.

Eddaliz Colon Santiago is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, she worked at Alesco Advisors LLC, Merrill Lynch, and Bank of America. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to a diverse client base including retail and institutional investors. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, with a noted use of AI and systematic methodologies.

Gary Fitch is a Senior Financial Advisor at Merrill Lynch Wealth Management. He leads a team that has over 40 years of experience assisting affluent individuals and families through a client-focused, goals-based wealth management process. He aims to help clients achieve their objectives with simplicity, transparency, and a disciplined method to measure progress, tailoring guidance to support current lifestyles, retirement income needs, and legacy goals. Gary joined Merrill Lynch in 2004 and holds several professional designations, including Chartered Retirement Planning Counselor™ from the College for Financial Planning, Certified Plan Fiduciary Advisor from the National Association of Plan Advisors, Personal Investment Advisor, and Retirement Benefits Consultant. He is a 1996 graduate of St. John Fisher College with a Bachelor of Arts in Economics and was inducted into St. John Fisher's Athletic Hall of Fame in 2004. Additionally, he completed a certificate program at the Johnson Graduate School of Management at Cornell University. He has served on the Board of Directors for Step-by-Step of Rochester and was the Director of Community Engagement for Rochester Young Professionals. Gary resides in Pittsford, New York with his wife Melissa and their children, Gary and Isla. Outside of work, he enjoys boating, fishing, football, golfing, running, skiing, and spending time with his family.