Michael Caruso is a financial advisor with Raymond James & Associates in Rochester, NY, holding a Series 66 designation and five years of industry experience. His prior work includes four years at L3Harris Technologies before joining Raymond James in 2020. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser with over $500 billion in assets under management and more than 5,400 financial advisors. The firm offers wealth advisory planning and investment consulting to individuals, institutions, and government entities through a variety of programs and emphasizes a non-discretionary advisory model.

Michael Riorden is a financial advisor with LPL Financial and holds the Series 63 designation. He has 38 years of industry experience, including roles at Rw Lloyd Financial since 2006 and Cadaret, Grant & Co., Inc. from 2006 to 2025. Outside of advising, he is involved in the insurance business through Upstate Special Risk. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationally. The firm offers a range of advisory programs and financial planning services, employing both discretionary and non-discretionary management supported by proprietary and third-party research.

John Valentine is a financial advisor at Charles Schwab with 25 years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Co., Inc. since 2001, including Charles Schwab Bank since 2005. He is based in Pittsford, NY. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary client relationships with access to discretionary separately managed accounts and offers a multi-asset investment approach supported by in-house research and a centralized operational structure.

Kimberly Anderson is a CFP® professional with 32 years of industry experience, currently advising clients at LPL Financial since 2019. Prior to joining LPL, she spent 25 years with Ameriprise Financial Services, Inc. In addition to her advisory role, she serves in a fiduciary capacity for the Andrew G Cole Testamentary Trust. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers diversified advisory programs, financial planning, and consulting services through a nationwide network of investment adviser representatives.

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.

Michael H Cooper is a financial advisor with UBS Financial Services in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with UBS since 2011. Outside of his advisory role, Cooper serves on multiple nonprofit and community organization boards, including The Jewish Home of Rochester and CypherWorx Inc., and is involved in investment and foundation committees. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, employing model-based asset allocations and proprietary research from its Chief Investment Office and global teams to tailor financial plans. The firm combines institutional trading capabilities with wealth management services and offers a broad range of capital markets and advisory services.

John Mitrano is a financial advisor with Mass Mutual Investors Services in Rochester, NY, holding a Series 63 designation and 22 years of industry experience. He has worked with Mass Mutual Investors Services since 2017 and was previously with Metlife Securities, Inc. for 13 years. He also holds a role with MassMutual Life Insurance Company. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars through collaborative, annual engagements utilizing firm-approved software to analyze client goals.

Nicholas Berno is a financial advisor with Merrill, holding a Series 66 designation and bringing 21 years of industry experience. He has been with Merrill and its affiliated Bank of America since 2015. Outside of his advisory role, he owns JMBL Development, LLC, a company that buys, renovates, and sells single-family residential properties in Rochester, 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.

Christopher Moore is a Senior Financial Advisor at Merrill Lynch Wealth Management. He provides professional advice and services focused on helping clients identify and achieve their financial goals through personalized wealth management strategies. Christopher works closely with families and corporate executives, delivering tailored financial plans that align with clients' long-term objectives. His areas of expertise include education planning, family wealth management, services for endowments, foundations, and non-profits, employee financial health, managing new wealth, personal retirement planning, portfolio management, socially responsible and ESG investing, tax minimization, and corporate investment strategy. Christopher also offers risk management, retirement income strategies, long-term care, wealth transfer, trust and estate planning services, philanthropic planning, legacy management, and customized lending through Bank of America. Christopher holds a Bachelor's degree and a Master's degree from the University of Rochester. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is actively involved in community organizations such as the Episcopal Diocese of Rochester, Fairport Baptist Home Foundation, St. Paul's Episcopal Church, and Water for South Sudan. Christopher resides in Fairport, NY with his wife, Louise, and enjoys baseball, football, genealogy, golfing, music, and singing.

Richard Miller Jr. is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and 17 years of industry experience. He has been with JPMorgan Chase Bank and J.P. Morgan Securities since 2014. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Katie Rudow is a financial advisor at Morgan Stanley with 16 years of industry experience. She holds Series 63 and Series 66 credentials and has been with Morgan Stanley and its Private Bank since 2016. In addition to her financial advisory role, she has been affiliated with DICK's Sporting Goods since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and financial planning services utilizing structured discovery and analytical tools, managing approximately $2.74 trillion in client assets.

Karen Lally is a financial advisor at Merrill in Pittsford, NY, with 27 years of industry experience. She has been with Merrill since 2010. Outside of her advisory role, she serves as an executor for a non-investment-related entity. 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 individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Nelson Miles III is a financial advisor at UBS Financial Services with 11 years of industry experience. He holds a Series 66 designation and previously worked at Morgan Stanley and PNC Investments. Outside of his advisory role, he is also active as an Uber driver, providing ride-sharing and delivery services. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm’s advisory work leverages proprietary research and model-based asset allocations to tailor financial plans aligned with clients’ goals and risk tolerances.

Ross Marple is a financial advisor at UBS Financial Services with 15 years of industry experience. He holds the Series 66 designation and has been with UBS since 2011. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

James Goetz Jr. is a financial advisor with Stifel, holding Series 65 and Series 66 credentials and bringing 28 years of industry experience. He has been with Stifel Nicolaus & Co. since 2014. Outside of his advisory role, he serves as an Investment Committee Member and board member for Heritage Christian Services Foundation, a human services agency in Upstate New York. Stifel serves a diverse client base including individuals, institutional clients, and municipal entities, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Anthony Murray is a financial advisor with Mass Mutual Investors Services in Rochester, NY, holding Series 63 and Series 65 licenses and having 16 years of industry experience. He previously worked with Penn Mutual Life Insurance Co and Hornor Townsend & Kent Inc for over a decade. Outside of his advisory role, he serves as president and financial advisor at Tessera Wealth Management Inc. LLC, focusing on insurance sales and service. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs, utilizing collaborative planning supported by firm-approved analytical tools.

Donald Hoyt Jr. is a financial advisor at Wells Fargo Advisors with 26 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and has been with Wells Fargo Advisors Financial Network LLC since 2011. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and investment solutions, using proprietary research and planning tools to develop tailored recommendations.

Lori Facinelli is a financial advisor with Wells Fargo Advisors who holds Series 63 and Series 65 licenses and has 34 years of industry experience. She has been with Wells Fargo Advisors Financial Network LLC since 2011. Outside of her advisory role, she co-owns a financial practice, ACE Financial Group, with her spouse. 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 who meet a net-worth threshold, utilizing Wells Fargo’s research, planning tools, and simulation models to develop and present recommendations.

Richard Bucenec is a financial advisor with LPL Financial based in Pittsford, NY. He holds Series 63 and Series 65 licenses and has 25 years of industry experience. Prior to joining LPL Financial in 2024, he spent nine years at Raymond James and Associates. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios from LPL Research and third-party subadvisors.