Michael Millard is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 49 years of industry experience. He has worked at Merrill since 1977 and has been affiliated with Bank of America, N.A. since 2011. Outside of his advisory work, he owns Huston Road Press, a sole proprietorship through which he plans to publish a novel. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

James Schaefer is a financial advisor with LPL Financial, holding the ChFC® designation and Series 63 license, with 15 years of industry experience. His prior roles include positions at Northwestern Mutual and MassMutual, where he worked from 2010 to 2026. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with research and operational tools.

Courtney Laffler is a CFP® with 22 years of industry experience and has been with Edward Jones since 2011. She holds a Series 66 license and is based in Fairport, NY. Outside of her advisory role, she serves as Membership Director of the Gananda School District PTSA and is involved with the Rocky Mountain Elk Foundation Florida Chapter as a committee member. Edward Jones is a full-service wealth management firm serving individual and institutional clients, managing approximately $1.01 trillion in assets with a nationwide network of over 23,700 advisors. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Michael Morgante is a Financial Consultant at Fidelity Investments, where he collaborates with clients to develop personalized financial plans tailored to their individual goals and priorities. He joined Fidelity Investments in 2024, initially serving as an Investment Consultant before advancing to his current role in 2025. Prior to joining Fidelity, Michael held several positions at Mutual of America Financial Group, including Retirement Plan Consultant from 2014 to 2020, Regional Vice President from 2020 to 2022, and again as Retirement Plan Consultant from 2022 to 2024. His experience spans retirement planning and investment consulting. Outside of his professional work, Michael has interests in baseball, family activities, golf, hiking, military service, and snowboarding.

Kevin Fox is a Client Experience Advisor at Merrill Lynch Wealth Management. In his role, he works with clients to understand their financial situations and introduces them to solutions offered by Merrill and Bank of America. He aims to provide clients with the knowledge and tools to take control of their financial lives and select the platforms that best meet their needs. Kevin holds the professional designation of Personal Investment Advisor (PIA) and earned his Bachelor's Degree from Carnegie Mellon University. His approach involves helping clients identify what matters most to them and their families to develop strategies aligned with their financial goals.

Michael Nelkin is a financial advisor at Morgan Stanley in Rochester, NY, holding Series 63 and Series 65 licenses with 21 years of industry experience. He has worked at Morgan Stanley since 2019 and previously held positions at Citizens Securities Inc., CITIZENS Bank, Bank of America, N.A., and Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and provides a variety of services through its Financial Advisors and Estate Planning Strategies Group.

Jeffrey Kotalik is a Series 66-licensed financial advisor at Morgan Stanley with 27 years of industry experience. He has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009 and was previously associated with Citigroup Global Markets. He serves on the board of the Finger Lakes Museum and is employed by the Pittsford Central School District. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a broad range of advisory programs to individuals and institutional clients. The firm offers tailored financial planning services using structured processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Richard Sylvester is a CFP® and ChFC® with 36 years of experience in the financial services industry. He currently works at Cetera and has previously been affiliated with firms including Commonwealth Financial Network and Summit Financial Group Inc. Outside of his advisory role, he serves as vice president and treasurer of the Rochester Lady Lions travel softball organization and holds coaching and treasurer positions with local sports programs. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a wide range of clients including individuals, retirement plans, corporate and charitable accounts, and institutional investors. The firm offers a multi-manager platform with various portfolio management options and access to third-party managers, supporting discretionary and non-discretionary account structures.

Frederick Spagnola is a financial advisor with Wells Fargo Advisors in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He previously worked for UBS Financial Services for 11 years before joining Wells Fargo Advisors in 2026. 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 investment and financial planning services tailored to clients who meet certain net-worth thresholds, using proprietary research and planning tools to develop recommendations.

Richard Marlin is a financial advisor with Edward Jones in Webster, NY, holding a Series 63 designation and over 43 years of industry experience. He has been with Edward Jones since 1993. Outside of his advisory role, he is a 33% owner of a family LLC franchise, Doody Done Quick, a pet waste cleanup business. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs and strategies. The firm manages approximately $1.01 trillion in assets and supports its clients through a broad network of advisors and branch offices nationwide.

Louis Bouchard III is a Series 63 licensed financial advisor with 40 years of industry experience, currently with Wells Fargo Advisors since 2010. He owns Bouchard Financial Group and serves as co-trustee for his mother’s trust and executor for his father’s estate. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including specialized areas such as business-owner transition and special-needs planning, utilizing Wells Fargo research and tools to develop tailored client recommendations.

Andrew Spencer is a Series 66-licensed financial advisor with Morgan Stanley in Rochester, NY, with eight years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2017 and Morgan Stanley Private Bank, N.A. since 2019. Andrew previously worked at Play By Play Sports, LLC from 2015 to 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients, offering tailored financial planning and a variety of advisory programs. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and investment research in its financial planning process.

Michael Silverstein is a financial advisor with OSAIC based in Pittsford, NY, holding a Series 66 designation and having 20 years of industry experience. His prior roles include positions at FSC Securities Corp, Cadaret, Grant & Co., Inc., HSBC Securities (USA) Inc., and Morgan Stanley. Outside of his advisory work, he serves on the board of the Jewish Federation of Greater Rochester and participates in educational fundraising as a committee member for the Honeoye Falls-Lima Central School District Education Fund. He is also involved in promoting the Rochester Film Festival. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment process is model-based, focusing on asset allocation and portfolio optimization with options for discretionary strategies, third-party managers, and alternative investments.

Thomas Goebel is a financial advisor at Morgan Stanley with six years of industry experience. He has worked at JP Morgan Securities LLC and AXA Advisors, and has held roles outside the financial industry, including a position with the Town of Ontario Department of Parks and Recreation. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a wide range of advisory programs, including tailored financial and estate planning services. The firm employs a structured planning process supported by proprietary tools and manages approximately $2.74 trillion in client assets.

Jonathan Schooley is a financial advisor with Equitable Advisors in Rochester, NY, holding a Series 66 designation and one year of industry experience. His prior work includes roles at S.B. Fiber Direct and C&S Sealing and Management. Outside of financial advising, he works as a sales consultant for SB Fiber Direct. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives and third-party managers.

Richard Glaser is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since rejoining Merrill Lynch in 2006, he leverages his background in investment banking, private equity, and entrepreneurship to provide clients with specialized wealth management strategies. Richard focuses on executive compensation, equity compensation services, family wealth management, personal retirement planning, and small business strategies, helping clients to preserve and prudently grow their wealth while developing long-term relationships as a trusted financial advisor. Before his current role, Richard worked as an investment banker in Merrill Lynch's mergers and acquisitions department and spent much of his career as a private equity investor and director of various companies. He has also served as an adjunct professor at the Rochester Institute of Technology, teaching entrepreneurship to graduate students. His involvement in the entrepreneurial and economic development communities includes co-founding Digital Rochester, serving on several boards such as the Greater Rochester Enterprise and the Rochester Angel Network, and participating in regional economic development councils. Richard holds a bachelor's degree from Haverford College and a master's degree from Columbia University's School of International Affairs. He has also studied at the London School of Economics and Middlebury College. Outside of his professional activities, Richard lives in Rochester with his children, Max and Lily, and dedicates time to volunteering with local organizations.

Kenton Hines is a Wealth Management Advisor at Merrill Lynch Wealth Management and The Hines Group, a position he has held since 2016. He began his career working as an engineer, product manager, and data analyst before transitioning to financial advising. Kenton's current role involves developing goals-based financial strategies for clients, with a focus on multigenerational wealth transfer to ensure the continuity of clients' wealth and values across generations. He also leads efforts to incorporate new technology within the firm and serves as a resource for addressing next-generation client needs. Kenton holds a bachelor's degree in Materials Science & Engineering from the University of Michigan and an MBA with concentrations in finance and entrepreneurship from the Kellogg School of Management at Northwestern University. His professional designations include CERTIFIED FINANCIAL PLANNER™ practitioner, Certified Plan Fiduciary Advisor® (CPFA®), and Retirement Accredited Financial Advisor (RAFA). He is also a member of the Rochester Engineering Society and serves on its Board of Directors. He resides in Victor with his wife, Jessica, their two children, and their dog. Kenton's personal interests include outdoor activities such as hiking, mountain biking, snowboarding, camping, and backyard science experiments.

Alex Greenspon is a financial advisor with Charles Schwab in Pittsford, NY, holding Series 63 and Series 66 licenses and 17 years of industry experience. His prior roles include positions at TD Ameritrade Investment Management and Scottrade. 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 advisory relationships with access to discretionary separately managed accounts, providing a broad range of investment solutions supported by centralized custody and operational infrastructure.

Stephen Bergonzi is a financial advisor with LPL Enterprise in Rochester, NY, holding a Series 66 credential and six years of industry experience. His prior roles include positions at Prudential Insurance Company of America, Pruco Securities, LLC, and several financial services firms. Outside of advising, he is also licensed to practice law and engages in Medicare sales. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable organizations. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and insurance product facilitation through affiliated entities.

Bruce Sears is a financial advisor with Wells Fargo Advisors in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. His prior roles include positions at Janney Montgomery Scott and RBC Capital Markets Corporation. Outside of his advisory work, he is involved in a solar panel land lease and a spouse’s furniture-making business in Skaneateles, NY. Wells Fargo Advisors Financial Network offers investment and fee-based financial planning services to individuals, trusts, and institutions, providing a broad range of planning options using proprietary research and tools. The firm integrates advisory services with other financial products and referrals across a large network of advisors.