William Seybold is a CFP® professional with 30 years of industry experience. He is currently with Cambridge Investment Research Advisors and has held prior roles at SSN Advisory Inc and Securities Service Network. Seybold also operates as an independent insurance agent. Cambridge Investment Research Advisors serves a broad range of clients including individuals, pension plans, and charitable organizations, providing financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm offers multiple investment platforms with discretionary and non-discretionary options, incorporating proprietary and third-party strategies.

Andrew Ward is a financial advisor at Ameriprise with 11 years of industry experience. He holds the Series 66 designation and has been with Ameriprise and its affiliated entities since 2014. Outside of his advisory role, he manages an independent advisory business, Council Rock Associates LLC, based in Rochester, NY. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement who meet certain asset criteria, providing tailored written recommendations on income, Social Security, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver these services, emphasizing managed accounts and utilizing algorithmic tools overseen by a dedicated committee.

Adam Brady is a financial advisor at Morgan Stanley with seven years of industry experience. He previously worked at Manning & Napier Advisors for four years before joining Morgan Stanley in 2018. Brady serves as a board member and treasurer for the Friends & Foundation of the Rochester Public Library, where he is involved in fundraising and investment decisions. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured planning tools and modeling techniques to assist clients in developing tailored financial plans.

Alan Sheldon is a financial advisor with Merrill in Pittsford, NY, holding a Series 66 designation and 15 years of industry experience. He has worked at Merrill since 2011 and is also affiliated with Bank of America, where he has been since 2012. Outside of his advisory role, he is the sole owner of a rental property business in Fairport, New York. 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 to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Matthew Fairchild is a financial advisor at Ameriprise with Series 66 credentials and experience beginning in 2024. Prior to joining Ameriprise, he held roles at Northern Nurseries and SUNY Geneseo. He is also associated with Council Rock Associates LLC as an associate financial advisor. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Gary Stirk is a financial advisor at Osaic with 26 years of industry experience. He holds Series 63, 65, and 66 credentials and has worked at Osaic since 2024, previously serving seven years at Securities America, Inc. and Securities America Advisors, as well as six years at Invest Financial Corp. He is president of GES Wealth Management Inc., a personal S corporation he uses for managing business expenses. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients, including high-net-worth investors and charitable organizations, through a large network of affiliated advisers. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage diversified portfolios, offering integrated brokerage, advisory services, and access to third-party money managers.

Sean Miller is a financial advisor with LPL Financial in Rochester, NY, holding a Series 66 designation and four years of industry experience. Prior to joining LPL Financial, he worked at ESL Federal Credit Union and Equitable Advisors. Outside of finance, he was involved with Smoking Hot Chicks BBQ in 2021. 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 brokerage services, utilizing model portfolios and research from multiple sources.

Sean Keller is a financial advisor with Wells Fargo Advisors in Rochester, NY, holding a Series 66 designation and six years of industry experience. His career includes roles at Livingston International, State Farm Insurance, and two periods of self-employment. Outside of advising, he operates an e-commerce business supplying survival kits and streams video games on Twitch. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services tailored to clients meeting a net-worth threshold, using proprietary research and planning tools to develop customized recommendations.

Jessica Robinson is a financial advisor at LPL Financial with 14 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at LPL Financial and ESL Investment Services, LLC during her career. 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 along with retirement plan consulting and brokerage services.

Robert Galinski is a CFP® professional with 22 years of experience in the financial industry. He currently works with LPL Financial in Brighton, NY, where he has been since 2022. Prior to joining LPL, he spent six years at key Investment Services LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and technology-driven strategies.

Kyle Hulse is a financial advisor at Merrill with six years of industry experience. He holds a Series 66 designation and has worked with Bank of America and Merrill since 2018. Outside of his advisory role, he consults for Pyzon Group, a company connecting businesses and consumers to internet and voice technology providers, and owns Lion and Ox Publication, which produces print-on-demand books. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base including individuals, high-net-worth clients, and institutional fiduciaries.

Frank Piacente is a financial advisor at LPL Financial in Rochester, NY, with 16 years of industry experience. He holds Series 63 and Series 66 licenses and has a work history that includes roles at ESL Investment Services, Eagle Strategies, NYLIFE Securities, New York Life, Mass Mutual, and Hornor Townsend & Kent. 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 advisors. The firm provides a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and technology-driven approaches.

William Kalwas is a financial advisor at Fidelity with 20 years of industry experience. He holds Series 63 and Series 66 designations and has been with Fidelity and its affiliates since 2012. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, employing a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic investment methodologies, advisory roles to registered investment companies, and integration of AI and algorithmic tools in its processes.

Isabel Di Nottia is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill, she worked at Bank of America and has diverse experience including childcare and roles in other sectors. Outside of finance, she provides part-time childcare services at a local fitness center. Merrill delivers managed account services to Bank of America fiduciary clients through model-based and discretionary investment strategies, serving a wide range of clients including individuals, high-net-worth clients, and institutional investors.

Soyeon Caruso is a Wealth Management Advisor with Merrill Lynch Wealth Management. She focuses on helping clients develop personalized financial strategies tailored to their individual goals and changing market conditions. Soyeon provides access to Merrill’s investment insights alongside banking and lending solutions from Bank of America. She holds a Master's Degree from UCLA Anderson Graduate School of Management and a Bachelor's Degree from Rutgers University. Her professional designations include CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Soyeon is also engaged in community service, dedicating time to volunteer with local organizations in line with Merrill’s tradition of community participation.

Linda Mastellar is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. She has worked at Cetera since 2019 and previously spent eight years with Foresters Financial. Outside of her advisory role, Mastellar serves as Chairperson of the Varick Town Planning Board and is involved with the Romulus Foundation for Educational Opportunities, which provides grants for teachers. She also serves on the Romulus Central School Board, overseeing policy and budget matters. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers, managing over $256 billion in assets through a network of more than 10,000 advisors.

Wioletta Saia is a financial advisor at Morgan Stanley with eight years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2013. Based in Rochester, NY, she has been with Morgan Stanley for over a decade. 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. The firm manages approximately $2.74 trillion in client assets and emphasizes a structured planning process that incorporates firm-approved tools and modeling techniques.

Michael Mc Naughton is a CFP® with 34 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. He previously spent 20 years with Commonwealth Financial Network. Mc Naughton is a co-owner of OakWood Financial Services, LLC. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm emphasizes non-discretionary financial planning and investment consulting, utilizing asset-allocation analysis and firm research to develop tailored recommendations.

Chris Reynolds is a financial advisor at Morgan Stanley with six years of industry experience. He holds a Series 66 designation and has worked in various roles within Morgan Stanley since 2019. Prior to his career in financial services, he worked at Windstream Communications and other companies. Morgan Stanley Wealth Management serves individuals and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment models as part of its advisory process.

John Kendall Jr. is a financial advisor at OSAIC with 29 years of industry experience. He has previously worked at Securities America Advisors, Inc. and Securities America, Inc. for 19 years. He also operates Emerald Financial Services, providing financial planning services to clients. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing firm-provided tools and third-party platforms to construct diversified portfolios on discretionary or non-discretionary bases.