Nathaniel Skinner is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he partners with clients to understand their unique goals and develop customized financial strategies aimed at pursuing long-term success. His approach emphasizes trust, personalized guidance, and ongoing support through every stage of life. Nathaniel's expertise includes general investing, retirement planning, managing new wealth, education planning, socially responsible and values-based investing, and retirement income strategies. He holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Nathaniel earned a High School Diploma from the High School of Health Professions. Outside of his professional work, Nathaniel has interests in baseball, basketball, football, gardening, ice hockey, music, pickleball, reading, spending time with his family, and watching movies.

James Smith is a financial advisor at J.P. Morgan Securities with one year of industry experience. He has previously worked at Fidelity Investments, Emplifi, and JPMorgan Chase Bank. Smith holds Series 63 and Series 65 licenses. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm uses quantitative asset-allocation modeling combined with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

David Marshall is a CFP® professional with 27 years of experience, currently serving as a financial advisor at UBS Financial Services since 2009. He is based in Rochester, NY, and holds Series 63 and Series 65 licenses. Outside of his advisory role, Marshall is actively involved in his community, serving as Treasurer on the Board of Directors for the Montessori School of Rochester and holding positions on the Village of Pittsford Board of Trustees, including deputy mayor and alternative member of the Planning and Zoning Board of Appeals. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm’s advisory approach utilizes proprietary capital market assumptions and research to tailor plans aligned with clients’ goals and risk tolerances.

Stephen Cymbal is a financial advisor with LPL Enterprise in Rochester, NY, holding Series 63 and Series 66 licenses and five years of industry experience. His prior work includes positions at The Prudential Insurance Company of America, Pruco Securities, LLC, Brighton Securities, and Equitable Advisors. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual investors, retirement plans, and corporate and charitable entities. The firm employs a model-driven investment approach, offering access to third-party asset managers, financial planning, and a range of affiliated non-securities products and services.

Michael Colby is a financial advisor with Raymond James & Associates, holding a Series 66 designation and eight years of industry experience. He has been with Raymond James since 2017 and has operated Cafe Genevieve since 2012. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, providing financial planning, non-discretionary investment consulting, and municipal advisory services.

Francis Celona is a CFP® and Series 66-registered financial advisor with 24 years of industry experience. He is currently with Cambridge Investment Research Advisors and has previously worked at Securities America and Allied CPAs, among other firms. Outside of his advisory role, he serves as Treasurer for the Mendon Foundation, Inc. and is involved in a home interiors business as a business manager and accountant. 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 through a network of independent financial professionals, using a variety of portfolio management strategies across multiple platforms.

Jeffrey Rocca is a financial advisor with UBS Financial Services in Rochester, NY, holding a Series 66 designation and 21 years of industry experience. He has been with UBS since 2011. Outside of his advisory role, he serves as a trustee for non-familial and irrevocable trusts, overseeing disbursements and tax filings. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and utilizing proprietary research and model-based asset allocations to tailor client plans.

Thomas Guider is a financial advisor at Cetera with the Series 66 designation and one year of industry experience. His work history includes roles at Cetera Investment Advisers, Davie Kaplan Wealth Care Advisors, and Cetera Wealth Services, as well as prior experience in accounting and education. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management options and access to third-party money managers, supporting both discretionary and non-discretionary account structures.

Michael Bellapianta is a financial advisor with LPL Financial based in Rochester, NY, holding Series 63 and Series 65 credentials and possessing 31 years of industry experience. He previously worked for MassMutual and MML Investors Services for 22 years. Outside of his advisory role, he serves as a notary and engages in non-variable insurance activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive operational tools and a large network of investment adviser representatives.

Stephen Calabrese is a financial advisor with LPL Financial, holding a Series 66 designation and five years of industry experience. He previously worked at Wells Fargo Advisors for five years and JPMorgan Chase for 17 years. 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, utilizing model portfolios, third-party subadvisors, and customized strategies.

Karl Cedarleaf is a financial advisor with Raymond James & Associates in Rochester, NY, holding Series 63 and Series 65 credentials and 26 years of industry experience. He previously worked at Key Investment Services LLC for seven years prior to joining Raymond James in 2019. Outside of his advisory role, Cedarleaf serves as a Cub Master for the Cub Scouts and is involved with Ducks Unlimited and the American Legion. 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, institutions, and municipalities, offering financial planning and non-discretionary investment consulting supported by a wide range of portfolio management styles and affiliated research resources.

Patrick George is a financial advisor with Cetera who holds the PFS™ and Series 66 designations and has 25 years of industry experience. He has worked with firms including Avantax Advisory Services and Avantax Investment Services, and is an affiliated partner at Davie Kaplan, CPA, P.C. He also serves as a trustee for third-party supplemental needs and insurance trusts. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, employer-sponsored retirement plan, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a multi-manager platform with access to discretionary and non-discretionary portfolio management, financial planning, and third-party money managers.

Jeffrey Machiele is a financial advisor with Morgan Stanley in Rochester, NY, holding Series 63 and Series 66 licenses and possessing 36 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2015. In addition to his advisory role, Machiele serves as a board member of the Rochester Christian School Foundation, a charitable nonprofit organization. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs and financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and scenario modeling to support its financial planning process.

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.

Timothy Acker is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been helping clients since 2015. He specializes in family wealth management strategies, managing new wealth, and personal retirement planning. Timothy focuses on offering a comprehensive approach to managing wealth that begins with understanding the client's financial situation, family, and priorities, followed by creating a customized and flexible wealth management plan suitable to evolving needs and market conditions. He provides clients with access to the investment insights of Merrill and the banking services of Bank of America. Timothy holds a bachelor's degree from Pennsylvania State University and is a CERTIFIED FINANCIAL PLANNER® professional. His professional designations also include Personal Investment Advisor (PIA). Outside of his advisory role, Timothy is involved with professional organizations such as Al Sigl and the Rochester Area Community Foundation. In his free time, he enjoys golfing, hockey, billiards, reading, football, and spending time with his family.

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.

Wendy Sydeski is a financial advisor with Wells Fargo Clearing in Rochester, NY, holding Series 63 and Series 65 credentials and 32 years of industry experience. She has worked at Wells Fargo Advisors LLC from 2009 to 2016 and has been with Wells Fargo Clearing since 2016. Wells Fargo Clearing provides retirement plan consulting services for qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory solutions. The firm’s investment approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Lisa Fisher is a financial advisor with Wells Fargo Clearing in Pittsford, NY, holding a Series 63 designation and 38 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and spent seven years prior at Wells Fargo Advisors LLC. Outside of her advisory work, she serves as a costume coordinator for the Honeoye Falls Lima High School drama club and operates a sewing business creating phone pouches for female runners. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm integrates research from Wells Fargo Investment Institute and third-party sources, offering brokerage and advisory solutions while managing approximately $671 billion in assets and employing over 14,000 financial advisors.

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.