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.

David Long is a financial advisor at Raymond James & Associates with two years of industry experience. He holds a Series 66 designation and previously worked for JPMorgan Chase for 14 years. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations through its Wealth Advisory Services Program and delivers institutional consulting via its Institutional Fiduciary Solutions division.

Omer Yildiz is a CFA® charterholder affiliated with LPL Financial, based in Rochester, NY, with one year of industry experience. He has held roles at Cooper/Haims Advisors, LLC and Conserve, and previously worked at Amazon and in academic positions at the University of Rochester and Monroe Community College. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of financial planning, advisory programs, retirement plan consulting, and brokerage services supported by research and model portfolios.

Anthony Rossi is a financial advisor at OSAIC with 55 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Securities America Advisors, Inc. for 16 years. In addition to his advisory role, Rossi is also a licensed insurance agent involved in insurance sales. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services through its extensive network of advisers and employs various portfolio construction tools, third-party money managers, and unified managed accounts.

Timothy Mastellar is a financial advisor at Cetera with Series 63 and Series 66 credentials and five years of industry experience. His prior roles include positions at Horizon Solutions, ITT Inc, and Foresters Financial Services. He has also worked in educational and non-financial business settings such as Monroe Community College and Knapp Winery. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, and institutional clients through a nationwide network of advisors. The firm offers a range of portfolio management, financial planning, and retirement services, operating a multi-manager platform with discretionary and non-discretionary program options.

Adam Follmer is a financial advisor with MassMutual Investors Services in Rochester, NY, holding Series 63 and Series 65 licenses and eight years of industry experience. His prior work includes roles at Hornor Townsend & Kent Inc and Penn Mutual Life Insurance Co. In addition to his advisory work, he serves as Vice President and Agent at Tessera Wealth Management, focusing on insurance sales and service across multiple carriers. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm delivers ongoing financial planning, asset management, and educational programs, using comprehensive analysis tools to develop written recommendations for clients.

Lily Kuzel is a financial professional with LPL Enterprise and holds the Series 66 designation. She has prior experience at Prudential from 2021 to 2025 and has recently engaged in an insurance-related business activity. LPL Enterprise serves a diverse client base, including individuals, retirement plans, and institutional clients, offering financial planning, advisory services, and access to a range of brokerage and insurance products through an integrated platform.

Aaron Wolk is a financial advisor with Raymond James & Associates in Rochester, NY, holding Series 63 and Series 65 licenses and five years of industry experience. His prior roles include positions at Legg Mason Investor Services, Franklin Templeton Financial Services, Benefit Street Partners, Broadstone Real Estate, and Manning & Napier Advisors. Raymond James & Associates provides financial planning and investment consulting to individuals, retirement plans, corporations, charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations through a Wealth Advisory Services Program and delivers institutional consulting via its Institutional Fiduciary Solutions division.

Martin Piva is a financial advisor with Equitable Advisors in Rochester, NY, holding a Series 66 designation and six years of industry experience. Before joining Equitable Advisors in 2019, he worked at Axa Advisors and was involved with the Ibero American Action League, Inc. from 2015 to 2018. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering 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, providing both advisory and brokerage/insurance channels to implement client recommendations.

Michael Amico is a financial advisor with UBS Financial Services in Rochester, NY, holding Series 63 and Series 65 licenses and possessing 42 years of industry experience. He has been with UBS Financial Services since 2011. Outside of his advisory work, he has served as an adjunct professor, teaching a college course titled "Introduction to Divestments." UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor client strategies.

Kristine Long is a financial advisor with Equitable Advisors, holding a Series 66 designation and six years of industry experience. She has been with Equitable Advisors since 2014, including a period associated with Axa Equitable, and has also worked at AxA Advisors. 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 third-party asset managers and LPL programs. The firm uses a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.

Christopher Mueller is a financial advisor with Merrill based in Pittsford, NY. He holds a Series 66 designation and has 20 years of industry experience. His work history includes roles at Merrill since 2005 and Bank of America, N.A. since 2009. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program. The firm offers a broad range of investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Clayton Millard is a Wealth Management Advisor at Merrill Lynch Wealth Management with over 20 years of experience in financial and wealth management services. He has been leading an advisory team in Merrill's Rochester, NY office since 1997, focusing on supporting affluent individuals, physicians, and executives through a personalized goals-based wealth management process. His team specializes in financial management, estate coordination, retirement income planning, family wealth management strategies, and legacy planning. Clayton holds a Bachelor's degree from Allegheny College and a Master's degree from Indiana University in Bloomington. He has earned the Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA) designations. He has been named to the Forbes "Best-in-State Wealth Management Teams" list for 2024-2026 and the Forbes "Best-in-State Wealth Advisors" list for 2023-2026. In addition to his professional work, Clayton is active in supporting philanthropic organizations including The Nature Conservancy, where he serves as a trustee for the Central and Western New York chapter. He lives in Brighton with his wife Kimberly, their two daughters, and their Border Terrier. His personal interests include cycling, gardening, skiing, mountain biking, antiquing, collecting antiques and art, and participating in a local wine appreciation group.