Stephen Harper is a financial advisor at Osaic with one year of industry experience. He holds a Series 66 designation and has worked at multiple organizations, including Farm Credit East and Family, Wealth & Legacy, LLC. His background also includes roles in education across several universities and grade schools. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, employing asset-allocation tools and automated rebalancing to construct diversified portfolios, with options for discretionary and non-discretionary management.

Michael Wayman is a financial advisor with Equitable Advisors in Rochester, NY, holding a Series 66 credential and four years of industry experience. His prior work includes roles at SUNY Brockport and St. Bonaventure University, and he has been involved with community organizations such as the Perinton Community Center. Equitable Advisors serves a broad client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset management programs through a network of Investment Adviser Representatives. The firm utilizes both proprietary and third-party advisory models and provides services including ERISA fiduciary support for qualified plans.

Timothy Brown is a financial advisor at OSAIC with four years of industry experience. He holds a Series 66 designation and has previously worked at firms including Securities America, Park Avenue Securities, and Guardian Life Insurance Company. Outside of advising, he is involved with Allied Financial Services as a wealth management assistant, supporting client servicing and advisor tools. OSAIC Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, employing various portfolio construction tools and third-party solutions to manage accounts across multiple investment types.

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.

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.

Shawn Paylor is a ChFC® and Series 66-licensed financial advisor with five years of industry experience. He has worked at Equitable Advisors since 2021 and previously spent five years at ORKIN Pest Control. Based in Rochester, NY, Paylor is part of a large team of advisors serving diverse client needs. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, charitable organizations, and institutional clients. The firm’s approach includes matching clients to investment program models or discretionary managers, utilizing both proprietary and third-party asset management solutions.

Stefan Muoio is a financial advisor with Equitable Advisors in Rochester, NY, holding Series 66 and Series 63 licenses and 11 years of industry experience. He has been with Equitable Advisors and its predecessor, AxA Advisors, since 2015. Equitable Advisors serves individuals ranging from non‑high-net-worth to high-net-worth clients, as well as pension and profit-sharing plans, corporations, charitable organizations, and other institutions. The firm offers financial planning, retirement plan consulting, and various asset-management programs, using a combination of proprietary programs and third-party asset managers to deliver tailored advice and implementation.

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®-certified financial advisor at Osaic Wealth, Inc. with 14 years of industry experience. He previously worked for Securities America Advisors, Inc. and Securities America, Inc. from 2012 to 2024. Garden is also involved in insurance sales through L&M Group Ltd., recommending insurance products as part of financial plans. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and multiple investment platforms to construct portfolios that include a variety of securities and managed-account solutions.

Kellen Gambeski is a financial advisor at Fidelity with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Fidelity Brokerage Services LLC since 2013, including roles at Fidelity Personal and Workplace Advisors and Fidelity Investments. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm integrates proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to deliver model portfolios composed of mutual funds, ETFs, and ETPs, and holds distinctive registrations and advisory roles within the institutional investment space.

Jessica Petterson is a financial advisor with Equitable Advisors in Rochester, NY, holding a Series 66 designation and two years of industry experience. She has worked with Equitable Network, LLC since 2023 and Equitable since 2020. Outside of her advisory role, she is appointed as successor executor and power of attorney on several family estates. Equitable Advisors serves individual and institutional clients, providing financial planning, retirement plan consulting, and various asset-management programs through a broad network of Investment Adviser Representatives. The firm’s approach includes matching clients to customized program models or discretionary managers, utilizing both proprietary and third-party solutions.

Michael Caruso is a financial advisor with Raymond James & Associates in Rochester, NY. He holds the Series 66 designation and has five years of industry experience, including four years at L3Harris Technologies prior to 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 charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

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.

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.

Justin Ferron is a CFP® professional with five years of industry experience, currently affiliated with Cambridge Investment Research Advisors in Rochester, NY. His prior roles include work at Paychex Inc and ownership of Ferron Wealth Management. He is also employed in the athletic department at Nazareth University. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory services delivered through a network of independent Financial Professionals using a variety of portfolio management approaches and platform arrangements.

Nicholas Tagliarino is a financial advisor with Morgan Stanley in Rochester, NY, holding a Series 63 designation and 26 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 provides advisory programs and tailored financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Brendan Ercole is a CFP® professional with 11 years of industry experience, currently with Cambridge Investment Research Advisors. He previously worked at Sage Rutty and SEI Investments Management Corporation. Ercole is also the owner of Fairpoint Wealth Partners, Inc., based in Rochester, NY. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts by providing financial planning, investment management, and retirement advisory services through a large network of independent financial professionals. The firm offers a range of investment solutions including proprietary and third-party model strategies, with flexible implementation tailored to client objectives.

William Cooper is a CFP® credentialed financial advisor with five years of industry experience. He is currently with J.P. Morgan Securities and JPMorgan Chase Bank, N.A., and previously worked at Howe and Rusling, Inc. for multiple years. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Jacob Kocher is a financial advisor with LPL Financial based in Rochester, NY. He holds Series 63 and Series 66 licenses and has four years of industry experience. His prior roles include positions at Northwestern Mutual Wealth Management Company and ESL Federal Credit Union, as well as work outside finance with Pizza Land Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives to individuals, retirement plans, banks, and institutions. The firm offers a range of investment solutions, including third-party asset management and institutional platforms, supported by operational tools like machine learning for research and administrative functions.

Joelle Donahoe is a financial advisor with LPL Financial based in Rochester, NY, holding Series 63 and Series 65 licenses and 28 years of industry experience. She has been with LPL Financial since 2006 and also serves as Chief Compliance Officer for Cooper/Haims Advisors, LLC and ESL Investment Services, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, including third-party asset management and institutional platforms.