Nathaniel Jones is a Wealth Management Advisor with Merrill Lynch Wealth Management. In his role, he focuses on developing personalized financial strategies tailored to clients' individual goals and changing market conditions. He leverages the investment insights of Merrill and the banking and lending solutions of Bank of America to support clients’ wealth management needs. Nathaniel holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a bachelor's degree from Grove City College. Nathaniel also participates in community volunteer activities, reflecting his commitment to the communities served by Merrill.

Scott Kogler is a financial advisor with Cetera, holding the PFS™ designation and Series 66 license, and has 22 years of industry experience. He has previously worked with Avantax Advisory Services and Avantax Investment Services, and maintains roles at Davie Kaplan CPA, P.C. and Davie Kaplan Wealth Care Advisors. Outside of his advisory work, Kogler serves as Treasurer for the Monroe Community College Foundation and acts as trustee for multiple grantor trusts. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a multi-manager platform with a range of portfolio management options, including third-party managers and bespoke strategies, supported by over 10,000 advisors and more than $256 billion in assets under management.

Victoria Montemorano is a financial advisor at UBS Financial Services with five years of industry experience. She holds a Series 66 designation and has worked at UBS since 2020. Her prior roles include positions at Beau Ventures LLC and Eaton Vance. UBS Financial Services Inc. serves individual, corporate, and institutional clients with brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, using proprietary research and model-based asset allocations to tailor client plans.

David Sano is a financial advisor at UBS Financial Services with 18 years of industry experience. He holds the Series 66 designation and previously worked at Morgan Stanley for nine years before joining UBS in 2025. UBS Financial Services 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 and uses proprietary research and model-based asset allocations to tailor investment strategies.

Stephen Brown is a financial advisor with Stifel who holds Series 63 and Series 65 licenses and has 38 years of industry experience. He has been with Stifel Nicolaus & Co. Inc. since 2014. Outside of his advisory role, he is a co-founder of Iron Smoke Whiskey, LLC, serves as a trustee of Nazareth College, chairs the investment committee at Nazareth University, and participates on the advisory board for the Rochester Knighthawks professional lacrosse team. Stifel serves a broad range of clients, including individuals, institutional investors, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and financial planning analyses.

Stephen Ashe is a financial advisor with Equitable Advisors in Rochester, NY. He holds a Series 66 designation and has 24 years of industry experience, including over two decades with Equitable Advisors and its predecessor, Axa Advisors. Outside of his advisory work, Ashe is involved in several non-investment business ventures, including ownership and partnership roles in multiple LLCs. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, offering financial planning, retirement-plan support, and asset management through third-party managers. The firm operates a hybrid advisory and brokerage model, utilizing a client intake process to tailor financial plans and advisory programs to individual goals and risk tolerance.

Yi Weng is a financial advisor with LPL Financial in Rochester, NY, holding a Series 66 designation and having 10 years of industry experience. Prior to joining LPL Financial in 2016, Yi has been associated with ESL Investment Services, LLC from the same year. Yi also serves as a notary public. 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, and retirement consulting, utilizing both discretionary and non-discretionary management alongside research-supported model portfolios and various investment strategies.

Travis White is a financial advisor with LPL Financial in Rochester, NY, holding a Series 63 designation and 11 years of industry experience. His career includes roles at Five Star Bank, Tompkins Trust Company, Tompkins Wealth Advisors, and The Summit Federal. 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. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, with investment management options supported by model portfolios and research.

David Pitcher is a financial advisor with Cetera who holds the PFS™ designation and Series 66 license, bringing 24 years of industry experience. He has held roles at Avantax and 1st Global Advisors, and he is also a shareholder at the CPA firm Davie Kaplan, CPA, P.C. Outside of advising, Pitcher serves as treasurer and finance chair for Nativity Preparatory Academy and is a board member and finance chair at the Rochester Hearing & Speech Center. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform allowing advisors to use affiliated and third-party model portfolios, with services ranging from financial planning to discretionary and non-discretionary portfolio management.

Paula Terzioglu is a financial advisor at Morgan Stanley in Rochester, NY, with 19 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2009, including time at Morgan Stanley Private Bank, N.A. Since 2020, she has also been involved in business development for Antpmt LLC, a real estate-related venture. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured, firm-approved planning process.

Yolibeth Garcia Mcgowan is a financial advisor at RBC Capital Markets in Rochester, NY, with 18 years of industry experience. She holds the Series 66 designation and has been with RBC Capital Markets Corporation since 2008. RBC Wealth Management, a division of RBC Capital Markets, serves a broad client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various wrap fee advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers.

Harry Kaplan is a Financial Consultant at Fidelity Investments, a position he has held since 2025. He has been with Fidelity Investments since 2023, initially serving as an Investment Consultant before his current role. Prior to joining Fidelity, Harry worked as a Financial Advisor at Prudential from 2022 to 2023. His earlier experience includes roles focused on high net worth clients at Vanguard and shareholder services and trade processing at Manning & Napier from 2017 to 2022. Harry partners with clients to build financial plans centered around their priorities, engaging in a collaborative process to empower clients to take confident steps toward their financial future. Outside of his professional work, Harry's interests include cooking and baking, golf, music, and parenthood.

John Kramer is a financial advisor with LPL Financial in Pittsford, NY, holding a Series 66 designation and 26 years of industry experience. He worked at Ameriprise Financial Services, Inc. from 2005 to 2019 before joining LPL Financial in 2019. 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 retirement plan consulting, with access to model portfolios and research from LPL Research and third-party subadvisors.

Kenneth Ingersoll is a financial advisor with OSAIC, holding a Series 66 designation and 19 years of industry experience. His prior roles include positions at Securities America Advisors, Inc. and Cambridge Investment Research. In addition to his advisory work, he serves as a partner at Allied CPAs P.C. and holds a vice president position at Allied Financial Services, Inc. OSAIC serves a broad range of retail and institutional clients with integrated brokerage and investment advisory services, leveraging multiple advisory platforms and third-party partnerships to offer diversified investment solutions.

Donald Pisaro is a CFP®-certified financial advisor with 39 years of industry experience. He has been associated with Royal Alliance Associates, Inc. since 1989 and operates his own tax preparation and accounting services business. Pisaro’s additional professional activities include tax preparation of individual, corporate, and fiduciary income tax returns. OSAIC Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pensions, corporations, and charitable organizations through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services with a range of portfolio management tools and third-party solutions.

Mark Blakeney is a financial advisor at LPL Financial with 17 years of industry experience. He holds the ChFC® and Series 63 designations. His prior experience includes roles at Mass Mutual Investors Services, Mass Mutual Life Insurance Company, Prudential Insurance Company of America, and Pruco Securities LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management along with model portfolios and research from multiple sources.

Victoria Lethbridge is a financial advisor with Merrill in Pittsford, NY, holding a Series 66 designation and 23 years of industry experience. She has been with Merrill since 1997. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Paul Diduro is a financial advisor with Mass Mutual Investors Services in Rochester, NY, holding a Series 63 designation and 38 years of industry experience. He has worked at Metropolitan Life Insurance Company since 1987 and has been with Mass Mutual Investors Services since 2017. Additionally, he operates as an independent insurance agent specializing in life, accident, and health insurance. 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 provides ongoing financial planning and offers asset management, wrap and money-manager programs, and educational seminars.

Joseph Crispino is a financial advisor with Wells Fargo Clearing in Pittsford, NY, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Emma Mercurio is a financial advisor at Charles Schwab with a Series 66 credential and experience beginning in 2024. Her prior roles include positions at M&T Bank and several retail companies. She has also spent several years in full-time education. 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 offers a combination of non-discretionary and discretionary investment options supported by centralized custody and due diligence resources.