David Kotalik is a financial advisor with Morgan Stanley in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, with prior experience at Citigroup Global Markets dating back to 1999. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Thomas L Huber is a financial advisor at Stifel with Series 63 and Series 65 credentials and 40 years of industry experience. He previously worked at UBS Financial Services for nine years before joining Stifel in 2018. Outside of his financial career, Huber serves as secretary for The Beamer Hughes Foundation, which raises funds to assist Rochesterians affected by Muscular Dystrophy. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies.

Scott Ricci is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. His prior roles include positions at Cetera Advisors LLC and Investors Capital Corporation. In addition to his advisory work, he operates GSR & Associates, Inc., a tax preparation and accounting business. 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 advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

David Dimitro is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize firm-approved tools and models, managing approximately $2.74 trillion in client assets.

Emily Titus is a financial advisor with UBS Financial Services in Rochester, NY, holding a Series 66 designation and three years of industry experience. Prior to joining UBS, she worked in various roles including at First Watch Daytime Cafe and John Carroll University. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor plans to clients' goals. The firm provides a broad range of services including fee-based financial planning, portfolio management, and capital markets capabilities.

Andrew Kuter is a financial advisor with LPL Financial in Pittsford, NY, holding Series 63 and Series 65 credentials and bringing 12 years of industry experience. Prior to joining LPL Financial in 2019, he worked at Fsc Securities Corp and operated as an independent insurance contractor through KAFL Inc. He is also involved as Vice President and Secretary of Taxwise Plus, Inc., a tax preparation and accounting firm. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing various model portfolios, research resources, and technology-driven strategies.

Amy Hrichak is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 66 licenses and has 35 years of industry experience. She has been with MassMutual and its affiliated entities since 2006. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing, collaborative financial planning using firm-approved software and a range of programs including wrap and money-manager options.

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, holding Series 66 and Series 63 licenses and five years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, Pruco Securities, LLC, Brighton Securities, and Equitable Advisors. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset management programs. The firm’s integrated platform combines advisory programs with brokerage and insurance products and features a collateralized lending program.

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.

William Hager is a financial advisor with Equitable Advisors in Williamsville, NY, holding a Series 66 designation and four years of industry experience. His prior work includes roles at the University of Dayton, the Country Club of Rochester, and Pittsford CSD. 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 LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage channels to implement client recommendations.

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 with Cetera, holding a Series 66 credential and beginning his advisory career in 2026. Prior to joining Cetera Investment Advisers, Cetera Wealth Services, and Davie Kaplan Wealth Care Advisors, he worked at Davie Kaplan, CPA, P.C. and has experience in various roles including positions at ESL Federal Credit Union, Burlington Stores, Inc., St. John Fisher University, and local government and education institutions. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients nationwide; it offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various investment programs and third-party managers.

Michael Bellapianta is a financial advisor with LPL Financial based in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He previously spent 22 years with MassMutual and MML Investors Services. In addition to his advisory role, he serves as a notary. LPL Financial is an SEC-registered adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of financial planning and advisory programs, utilizing model portfolios, research, and various risk management tools.

Stephen Calabrese is a financial advisor at Wells Fargo Advisors with 4 years of industry experience. He holds the Series 66 designation and previously worked at JPMorgan Chase from 2004 to 2021. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that provides a broad range of investment and financial planning services to individuals, trusts, and institutional clients. The firm offers tailored recommendations through planning tools and research, serving clients who meet a net-worth threshold with both general and specialized planning services.

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.